BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received an UNSOLICITED credit card from Wells Fargo Bank. That is ILLEGAL! 
I filed a complaint with CFPB, XX/XX/23, # XXXX. 

I requested that Wells Fargo notify me, IN WRITING that they DELETED my UNSOLICITED credit card account and removed all of my personal info from their system. 
So far, they refuse. The CFPB apparently does nothing. 
Now, I have received an email from Wells Fargo and it states they UPDATED my information! 
I did not request that they update my information, I requested that they DELETE the illegal, UNSOLICITED account they created in my name. 
It gets worse. the 'update ' includes a new address, not the address they sent the unsolicited credit card to. It is from an old address, in another state, from over 10 years ago, when I was unfortunate enough to have an auto loan with the criminals at Wells Fargo.

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 non-monetary relief
Consumer complaint received 2023-05-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I received notification from Chase Cardmember Service on XX/XX/2023 requiring me to respond within 30 days of their letter in regardsto alleged debt in the amount of {$46000.00} for account ending # XXXX. 
Providing me with two options : Make one payment of {$4600.00} by XX/XX/2023 or Make a first payment of {$2300.00} by XX/XX/2023 and a second payment of {$2300.00} by XX/XX/2023. Then the amount of canceled debt will be reported to the IRS. Providing a 1099 Form-C Cancellation of Debt. 
Now on XX/XX/2023 I received notification from XXXX XXXX XXXX XXXX in reference to JP Morgan Chase Bank , N.A . referencing account ending # XXXX. In the amount of {$46000.00}. 
XXXX XXXX XXXX XXXX offering three options:1. Resolve your account in one payment of {$4600.00}. You save {$41000.00}. Resolve your account in 12 consecutive monthly payments of {$760.00} You save {$36000.00}. Resolve your account in 24 consecutive monthly payments of {$570.00} You save {$32000.00}. 

I request to have a full investigation in regards to this account and want verification that this allegeddebt is related to me. 
I am XXXX and with limited income from the government and I hope I am not being targeted because of my XXXX by any financial institution. I have XXXX XXXX and have been dealing with medical issues and do not want emotional stress because JP Morgan Chase Bank is attempting to collect an alleged debt and using a collection agency which I never heard of requesting the same amount in regards to the same account number. I hope this situation has no indication that deceptive practice is being applied to me or any consumer federal law violations. 

I required all original documents and invoices and receipts that related to account numbers ending in XXXX. I also request this alleged account not to be reported to the credit bureaus until the investigation is complete by your agency. 
I have enclosed all supportive documentation from JP Morgan Chase Bank and XXXX XXXX XXXX XXXX. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-12-29
Company: EQUIFAX, INC.
State: FL
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX is a company of XXXX and XXXX XXXX  up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX XXXX XXXX, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell XXXX to refund my purchase. XXXX XXXX XXXX XXXX XXXX XXXX XXXXndor refunds, but does not notify their credit card? Then I try opening a login account with XXXX many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, XXXX, XXXX, Transunion. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell XXXX. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, XXXX, XXXX, and Transunion and cancel my debt with XXXX  I will contact Civil Rights Commission and think about next step on how mortgage is denied. Frauders and liars.

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 2019-04-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  Balance : {$7200.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  Balance : {$5200.00}

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 non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$610.00} XXXX  XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1200.00} XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
Company: LEXISNEXIS
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am asking CFPB to investigate this matter further. I am not XXXXXXXX XXXX sure the XXXX credit reporting agencies is doing me a disservice in investigating the wrong doing of a XXXX party reporting agency LexisNexis and XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As a consumer I have contacted the matter at hand. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and asked them a question, Do you report the case in court to the credit bureau? The clerks response, The XXXX XXXXXXXX does not report information to any credit bureau. Almost like hippo for medical records. I send a certified letter to every credit bureau to remove the illegal reporting fragments. They all stated verified and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 non-monetary relief
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute on XX/XX/2020 with each credit bureau regarding inaccurate/fraudulent accounts. It has been more than 30 days and I have not received a response. I was under the impression that the credit bureaus had 30 days to complete an investigation and if they failed to do so the accounts had to be deleted. Well since it had been past 30 days, I sent each credit bureau a no response letter this was XX/XX/2020. I still have not heard anything from them, I have not received any results or any notification that an investigation had even started. I am becoming frustrated and thinking about filing litigation because the credit bureaus have been ignoring my disputes and that is not cool at all. I was a victim of the XXXX  data breach so I don't know who got their hands on my information. Please delete the accounts immediately. 
XXXX XXXX XXXX XXXX

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 2021-05-03
Company: FC HoldCo LLC
State: AZ
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:
This account was included in bankruptcy, and should be removed. The information reporting on my credit is inaccurate including amount due and the date of last payment.

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 2020-12-29
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2020 I called XXXX about the two paid collection accounts I have on my credit report. They told me they didn't have those two accounts in their data base and it shouldn'r be reporting. All three credit bureaus are reporting the {$230.00} paid account as collection/charge off. Equifax and XXXX  are reporting the {$83.00} paid account as collection/charge off. I have sent all three credit bureaus a method of verification letter on XX/XX/2020 and they have failed to respond back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
All 3 of my credit reports are reporting the same account containing a lot of inaccuracies. The account I am referring to is XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Account XXXX This account is reporting inaccurate late payments and I have been going back and forth trying to correct the information. If the information can not be corrected, the account has to be removed off of all 3 of my credit reports because it is reporting inaccurate information and violating the FCRA. 
All 3 Credit Bureaus are reporting that I was 30 days late in XX/XX/XXXX, then you reported again that I was 30 days late in XX/XX/XXXX. They then reported that I was 60 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. How is this so? I can not be 30 days late for two consecutive months back-to-back, then 60 days late the month right after the previous two months, and then 60 days late again the following month. It is impossible. This is a serious error in your reporting. 
I have written multiply letters dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS Specialized Loan Servicing The process seems unfair. It appears to lean favourablly to the company whom one is complaining. As in this Complaint NBR XXXX. When going online to add to my complaint the account is CLOSED? This has been CLOSED without any request for reply from complainant which equates with the BIG FINANCE replied and we believe the BIG MONEY. There was NO email, phone call or snail mail from SLS to me as a reply, which one would believe is forthcoming, to my complaint. 

PLEASE know when calling again, voice message states we can make new complaint. 
This appears to be NOT TRUE as XXXX today informed me NO NEW COMPLAINT CAN be made against the SAME COMPANY? My contention is this is a NEW ISSUE with the SAME COMPANY arising out of the COMPANY 'S REPLY. Their reply is bogus, inaccurate and appears to be a gerbiling tactic. 

SLS is NOW ASKING for a POA ( Power of Attorney ) from the Buyer on the Short Sale. 
This has NEVER been requested prior in SLS list of required documents. There is NEVER a reply from SLS. NO SUPERVISOR/MANAGE has given the courtesy of a call back, yet each and every time I've requested this I've been told " 24 to 48 hours I would get a call back from a manager/supervisor '' This has NEVER happened. WHY? 

Requesting a Power of Attorney from the Buyer seems a stalling tactic. The Buyer has signed the Offer to Purchase, the Addendum as REQUESTED BY SLS, provided the HUD as requested by SLS along with the PROOF OF FUNDS PLEASE Explain why SLS is NOW requiring a POA from the Buyer along why they are performing more BPOS?

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 2021-05-03
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recived an email from my school regaridn a work form home oppturnity. I sent an email to it and shortly after i recived a text message from this guy name XXXX XXXX XXXX. He told me this was a work from home oppturnity and i would need to be his personql assistant. He sent me a checkfor XXXX and to depaoit it into my bank acocunt. After i did that he told me to trandfer those funds via XXXX to other XXXX  for work related stuff. I sent him that moneg back. Then i found out that my citibank account was blocked becuasr this was a fruadlent check and i was a victim of scamm and fraud. My citibnak account was closed and my own money was. Taken from me. Citibank told me to file police report which i will be doing shortly and report this fruad. I need my Citibank account opened and i need my money. Please help i have all the evidences. The text messages the emails. Citibank is telling me that my acocunt wont be opened and my own money XXXX wont be given back. Please help me

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