BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've written and disputed this account with Convergent Outsourcing. I do not know who they are or why they are on my credit. I have never applied for credit with them! They have never sent me anything in the mail, ever! I did some research and found that if they are going to report to the credit bureaus, I have to apply for credit, I also found that I have the right to dispute the debt, which I've done, and they have sent me nothing, ever! I do not believe they are following the laws I've read about such as the FCRA! I think you need to help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've asked this company to send me a copy of the original contract with a wet ink signature with the verberage indicating I agreed for any account to be sent to a debt collector because I have no business with Portfolio Recovery Associates and they've refused, also the debt in question last payment date with XXXX XXXXXXXX XXXX  is XX/XX/XXXX. Portfolio recovery is reporting this as a new account as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that i have been a XXXX of XXXX XXXX  for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My ex-husband used my social security number and his name hit my credit report. I was supposed to be protected by the courts, identity undisclosed, because he is on XXXX. However, the court clerk did not do her job and now all of my personal information is public. He knew my social security number and is now trying to cause me financial damage like he has done others in the past by switching his last few numbers of his social to open accounts on someone else 's credit and ruined them. I disputed with Experian but that did not change my credit score after he dropped it over XXXX points after he already destroyed me by XXXX and I had to give the only transportation that me and my son had back to the bank because it was destroyed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a XXXX XXXX and I dont make a lot of money, I have the right to privacy In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thank you very much Delete from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. Equifax and XXXX  are also reporting that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Risecredit, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
RISE is reporting unlawfully to the credit bureaus for an account associated with a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX, MN, are pursuing a debt in the amount of {$2000.00}, that was due to identity theft, and my personal and family accounts being compromised/stolen. My own credit cards and family 's credit cards, along with my checking account, were compromised and were used to fraudulently send funds to and from our XXXX accounts and then withdraw them, particularly my XXXX account. My lawyer has contacted this firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
During XXXX, I had over 30 charges for {$13000.00} taken from my account. These were not authorized. I believe someone may have hacked my account and charged my bank until I hit {$0.00}. Wells Fargo denied the claim. They also inaccurately put under my claim reason " He doesn't remember the charge. '' Wells Fargo tried to make it seem like I forgot about making the charges. I obviously do not remember the charge because I did not do the charges and the reason I stated on the phone was they were fraudulent charges. They have now denied my claim. Wells Fargo should have contacted me when the charges started happening repeatedly. They also allowed the pending charges to go through as well after I called them to report the fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Rewards

Complaint:
On XX/XX/XXXX I tried to use my XX/XX/XXXX American Express Reward Coupon at my local XXXX. The Reward Coupon was for a credit of {$130.00} based on my XXXX purchases on my XXXX American Express card during XX/XX/XXXX. My Reward coupon was rejected because it expired XX/XX/XXXX. I was told to call American Express to have it reissued. Today, after calling American Express at XXXX XXXX XXXX XXXX I was told by a supervisor, XXXX, that American Express would only reissue a coupon for 50 % of the {$130.00} because the coupon had expired. I asked, " Did n't I earn all {$130.00} thru my XX/XX/XXXX purchases on the card at XXXX? '' XXXX said " Yes '', but because the coupon had expired, I was n't entitled to any of it and that they would only issue 50 % of it again as a courtesy. If I did n't accept before XX/XX/XXXX, I would not get anything. This seems like a strong arm tactic. I did n't need to use the coupon before yesterday. I need to use it now for our XXXX grocery preparations. American Express is bullying us on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am enrolled in AutoPay with XXXX Mortgage and early in XXXX, I added a replacement bank account for the autodraft. XXXX XXXX 's website, I specifically set the new account as the default account and checked on this more than once in XXXX, way before the draft date of XX/XX/22. XXXX 's site would not allow me to delete the original account. On the draft date of XX/XX/22, they attempted to draft the mortgage payment from my original account which was depleted. My bank charged me an overdraft fee of {$35.00}. I called and talked to the XXXX web services team on XX/XX/22 and they told me that they would need to wait XXXX hours before they could make any adjustments to my draft settings in their system. On XX/XX/22 the XXXX system attempted the draft from the same original account, and due to insufficient funds, I was again charged a {$35.00} overdraft fee. On XX/XX/22 I again called and talked to the web services team multiple times to try to fix this problem and somehow in the process, my online account was deleted. I had to re-register with XXXX 's site. 

I immediately re-registered for XXXX and wanted the mortgage payment to be autodrafted from my bank account on a set date every month. It appears their system is still not working. I use this bank account for multiple autodrafts every month and never have a problem, except with XXXX. I have verified and re-verified my bank information in their system. But the autodraft is still screwed up. And in the meantime i am getting hit with late fees and credit reporting to the reporting agencies. 

Over the last two plus months I have used their message system on their website trying to resolve this and submitted the requested docs. Then all of a sudden they go silent on their message system and start with the threatening letters by mail. I have called multiple times wanting to resolve this and am told i need to speak to a supervisor. One is never available so I request that a supervisor call me so that we can resolve this. Have not received a call yet. Just threatening letters in the mail. 

I owe them 3 months payments which i am more than willing to pay, but need to get these issues resolved. 

I am requesting a phone call from somebody that can research my account history and has the power to make a decision. 

I am also requesting they drop all late charges, and reimbursement of overdraft fees from my bank. 

I am also requesting a withdrawal of any and all credit reporting to any agency that has been reported to. 

Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
College I was attending was n't reporting all the semester hours I was taking to the student loans department. When I raised questions and went to the dean of student services I was lied to and was told different stories. I saved emails claiming I revised a incomplete for a course from last semester and was finishing up that class this semester and it did n't count. I gathered up contradictory emails from the dean of student services and my professor of the class to take to the dean of the college. I scheduled a meeting with the dean. When I went into the building with my evidence that I was retaking the course I was seated in a meeting room. After a few minutes campus police showed up aND trespassed me from campus for 1 year. I was never allowed to finish my degree and hence have XXXX plus dollars in student loan debt. I have proof I was being forced to retake a class from beginning to end. My grades were being changed on assignment sometimes going up sometimes going down. I also have evidence that the reason I had to retake the class was because the professor was n't grading my assignments correctly the first time I took the class.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX, MN, are pursuing a debt in the amount of {$2000.00}, that was due to identity theft, and my personal and family accounts being compromised/stolen. My own credit cards and family 's credit cards, along with my checking account, were compromised and were used to fraudulently send funds to and from our PayPal accounts and then withdraw them, particularly my PayPal account. My lawyer has contacted this firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I opened a Target Red Card a while back, I have never been late on a payment of any of my credit cards for 15 years. I made a payment 3 days before my actual billing cycle ( I was going XXXX and was trying to tye up lose ends ). This payment posted for the earlier billing month making me late. Target Red Card reported this lateness to the credit bureau I called and asked for a courtesy adjustment since I had made a payment just a bit too early and they would not help me. I paid the ballance of the card and will never use it again after this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Credit Adjustments Inc
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt continues to be reported as an unpaid collection account. This was paid in full nearly 30 days ago and verification of that payment was provided to this collection agency via certified mail with return receipt attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
My ex-wife filed our taxes as joint. She has Indiana taxes and I do not. When she filed them, Indiana wrongly decided she was n't eligible for exemptions despite her military status that granted her the exemptions. 
The Indiana IRS reported poorly on my credit and I disputed it, which ended with them sending me a check for $ XXXX. 
It has been over two years and XXXX disputes later, and this remains on my credit and is bringing down my score despite it being wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
There is NO way to contact the XXXX @ Experian to point out the error of their ways bytelephone! They have refused to Freeze my credit! I sent all three credit reporting agencies ( Certified/Return Receipt Requested ) all the documentation they requested for Identification AND copies of the Incident Report that the local police agency kindly provided when I had my driver 's license Lost / Misplaced / Stolen. 
Experian want me to resubmit ALL the exact same XXXX they 've already signed forAGAIN [ at My expense ]. 
XXXX and XXXX have already FROZEN my accounts and provided me with aFREE PIN number to UNFREEZE and REFREEZE my reports in perpetuity. 
FREE, FREE, FREE! 
Which is the whole point of going through MAILING the info to the Idiots. 
PAYING them to mismanage the " Credit Reporting '' Industry is Just Like XXXX ADDICTS!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021, I called the bank to complete a wire transfer. Since I am in MA they do not have a branch but they have Advisor offices. WF started to allow me to go to an Advisor office be certified and then a local office ( branch ) would make the wire transfer. They told me they would set this up and call me back in " 6 minutes '', after 5 hours no call, I then followed but they had no record of any of these actions. After discussing this with approximately 12 people in WF I arrived at square one. I called the Advisory group in XXXX and they are not even in the office. I called a local XXXX XXXX branch that states they open at XXXX with lobby and drive-in and not answer. I called the Executive Advocacy and they said they have 10 days to respond to me. They have totally road block me to make a wire transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I was issued late fees to my Target Red Card account despite payments. On XXXX XXXX, 2015, I made a payment to my Red Card account. Despite my payment, in XXXX, I was issued a late fee on XXXX/XXXX/2015. Then, I made another payment on XXXX/XXXX/2015 ; I was again issued an even greater late fee on XXXX/XXXX/2015. I made payments in both XXXX and XXXX 2015, but I was issued late fees in XXXX and XXXX XXXX would like these reversed immediately, including any interest charged in the months since on these disputed fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Aldous & Associates, PLLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter in mail saying I owe a XXXX XXXX  XXXX cents and I never been to this gym not one time or signed up for this membership

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After careful review of the electronic application forwarded to Credit Acceptance from the dealership XXXX XXXX XXXX, XXXX, NC, I noticed Credit Acceptance changed the APR amount from when I signed the handwritten application of 7 % and after a few weeks the mailed application copy stated 22.9 %. Credit Acceptance can not verify nor confirm that the APR being charged is not an average APR for Car Loans which is Usury due to Unfair and the Illegal Interest Rate at 22.9 %. This APR has caused me harm to my credit report and finances. At the time, my credit scores remain well over 702.

For example, for a Deep subprime car loan ( 300-500 ) is the average APR for used cars up to 20.58 %, my document was changed and forged increasing the APR to 22.99 %. Credit Acceptance can not confirm any different. This is usury that Credit Acceptance can not substantiate. 

Secondly, On XX/XX/2022, @ XXXX XXXX from Credit Acceptance compliance dept called my phone harassing me, when I submitted a cease and desist 2 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Balance transfer fee

Complaint:
Citibank billed me for a balance transfer check in the amount of {$920.00}. I never wrote this check, so I called them to complain about this fraudulent and they sent me a new card and said they would reverse the charge. The next statement shows a balance transfer fee for {$36.00} - this is 4 % of the balance transfer they said they would reverse. Why is Citi charging me a fee for a charge that I never made? Upon contacting their online representative, I was told I need to get on the phone with their call center for a third time. please have them do the right thing without havign to talk to a person every few days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see attached page from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation