BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: JPMORGAN CHASE & CO.
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: WAKEFIELD & ASSOCIATES, 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: Account status incorrect

Complaint:
XXXX XXXX ( as original debtor ) account paid in full XX/XX/2022. Recorded XX/XX/XXXX, XXXX. I have credit card transaction history and paid invoice receipt. However, Wakefield & Associates will not recognize the debt has been paid to original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Ive contacted the company several times for possible settlement. The person that handles my case is using words like you dont get a reward for bills you didnt want to pay when I attempted to negotiate among other negative comments. The person used foul language and kept on making aggressive comments. I ended my conversation more than twice on the phone with him. 
I called the company and asked for a supervisor several times and was transferred back to him. I once spoke to someone claiming as a supervisor and she said she will listen to the recording of our conversation and call me, but I never got a call. They never transferred my case to another agent despite my complaint against this person. I even make a comment that I am trying to pay the debt and Asked why he was attacking me. 
I was in a bad place in my life and couldnt pay my emergency room bill in the past. Now, I am trying to get rid of my debts and work on my credit. This person not only blocked my efforts to do so, he is unprofessional and used his position to emotionally damage someone that has been through a lot of hurdles. 
His name is XXXX and the company refused to give me his last name. 
I would like to negotiate and pay off my debt, but this person is blocking me to do so. 
Thank you

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They closed my account said there was fraudulent actions on my account which it wasn't and they closed it I don't remember the exact dates but I know it was Wells Fargo 's bank

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 2022-03-24
Company: Experian Information Solutions 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:
Few months ago I received a call from XXXX  XXXX about a transaction taking place at XXXX XXXX XXXX XXXX  and XXXX, I did not approve the charges once I was at work. So XXXX XXXX cancelled the card and sent a new one and charges weren't on my account. However, I did discover few weeks later that those charges did hurt my credit score since I went over the limit. This week I received a letter from XXXX XXXX XXXX  that the {$450.00} were for cleaning that took place to a car I rented from them last year. They did apologize for that and sent me a correction and apology letter, but I would like to take this off my record please.

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 2021-07-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 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. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I lost my debit card I contacted Bank of America within several hours. My card was used at the ATM for {$1000.00} and than used twice at XXXX for {$400.00} cash and some groceries. Than this couple went to XXXX and again got {$200.00} and groceries and than spent {$27.00} at XXXX. I went to XXXX to view the couple on photos and the XXXX police were contacted and wrote a report. Bank of America claims that I was involved or allowed this person to use my card. I returned to XXXX XXXX to request viewing their photos of me that day. I would be contacted when the photos were located. The police officer was also there requesting the photos claiming the photos might show this same couple right behind me observing my PIN number being entered. Something BofA didnt do in their investigation. I believe I lost my card at the market

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 monetary relief
Consumer complaint received 2019-10-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
My husband and I had a boat loan with USAA in XXXX. 

My husband died in XXXX. I made payment until XXXX when I decided to sell the boat. I also paid over the loan amount due to having a higher balance then the sales price so USAA agreed to allow me time to sell it without making a monthly payment, since my husband died. They agreed to not hurt my credit yet they did. 

They were unprofessional with the buyers lender and lost the loan info and lost the payment check they received. I almost lost the buyer. I reported this for years begging for credit corrections. The boat was finally sold with a trailer and engines once they got the paperwork right. That was in early XXXX Credit remains incorrect and damaged. 



Im XXXX I needed to buy a new car. I was given a higher interest rate bc USAA had XXXX in debt in my ratio, as they stated I had never paid the loan off. This caused my car interest rate to be higher then I deserved but I had to turn my our family car over to its lender since my husband died. USAA was called again and took months to remove the debt. They agreed they were wrong yet again but that hurt my interest rate. Did not have time to beg them to fix it. I am self employed so my credit is important to me. 

They now ( XX/XX/XXXX ) have a UCC filing against myself and my late husband bc they state we did not pay off the trailer that was part of the boat sale. 

I received a title in my late husbands name last week. Title made out to a deceased man who they know is deceased. Also a title we dont have any rights to because I sold that trailer with the boat in XXXX. This means that never released the title to the buyer. I told their Coorporate office this in XXXX and they did not care about the incorrect UCC filing. I asked them to send me something in writing stating they agreed this has all been handled wrong and they refused. They have not returned calls either. 

I am still begging them to remove the inaccuracies from my credit and send proof of their errors. They have denied my credit appeals and violated lending laws when my credit monitoring company had me request documents they failed to provide. 

Please help. Please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BETWEEN XXXX AND XXXX I HAD ACCOUNT WITH WELLS FARGO I LOST MY ACCOUNT I WAS NOT TREATED RIGHT AFTER SPEAKING WITH SEVERAL MANAGERS. 

I FEEL I AM OWED MONIES

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 2023-03-13
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. Below are the listed items that need attention : XXXX XXXXXXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX  XXXX Balance Owed : {$220.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: CNG FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company had continued to violate my consumer rights by reporting inaccurate information to the credit bureuse that i owed them a debt that they bought from another company whom i never did business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Zions Debt Holdings
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This collection company is trying to collect a debt that i have no clue who this company is. They are violating my consumer rights by reporting inaccurate information to all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
to whom it may concern : Under federal law any collection company must posses : a contractual agreement with original creditor that you have the right to collect this debt, must have original document with my signature on to validate this debt, proof of debt original contract, if you have to request this to the original creditor it means you don't have it therefor you are reporting this account illegally, violating federal law, I am a litigious consumer and I with enforce my right, I know that I can request monetary retribution damage for your illegal report. Please remove this report from my credit or I will pursue monetary retribution. Thank you for you quick responds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-09-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I ATTEMPTED TO FILE A DISPUTE WITH XXXX IN REGARDS TO AN ACCOUNT THAT THEY HAVE LISTED ON MY CREDIT FILE. THE ACCOUNT IS LISTED AS " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
THIS ACCOUNT IS TOO OLD TO BE LISTED ON MY CREDIT FILE AND XXXX REFUSE TO REMOVE IT. WHEN IT ATTEMPTED TO HAVE IT REMOVED, XXXX STATED THAT THEY WERE UNABLE TO INVESTIGATE THIS DISPUTE. TECHNICALLY IT IS NOT A DISPUTE, IT IS A REQUEST FOR THEM TO REMOVE THIS INFORMATION PER THE FCRA.

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 2022-03-25
Company: CITIBANK, N.A.
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:
I am a proud XXXX old American citizen and a good standing Citi client for three decades. I firmly believe in the sound American moral values and can not believe that the Citi team of investigators took the side of a criminal XXXX Organization by the name of XXXX XXXX in a case where the scam/fraud is so evident. 
I normally take my precautions to avoid criminal traps and schemes, and, in hindsight, I should have not used my card in a XXXX Bar, but I errounesly taught I I would have some protection from an institution like Citi Bank that claims to be on the consumer side before, during and after any purchase. 
Almost {$20000.00} ( approximately my Social Security yearly payment or the price of a car ) where charged in a couple of hours in a foreign country Bar on XX/XX/2021 without triggering suspicion and an alert to the card holder. 
In absence of red flags, I expected some form of protection from Citi Bank, and I called as soon as possible asking to block my card, when the criminal charges were still pending. 
The calls and the circumstances were vetted and verified by the Citi Office of the President. Denying the absurd charges to these criminals would have been the easiest way to resolve the matter. I have no doubts that I am one of hundreds victim of their criminal scheme. These habitual criminals would not and could not have any justification for their fraudulent charges and would have accepted the denial of their bogus claims without questioning. Ruling in their favor means to encourage criminal activities.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with fraudulent unauthorized inquiries

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 2019-10-08
Company: 1st Franklin Financial Corporation
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
1st Franklin Financial or the process server by the name of XXXX XXXX claimed to have served me with papers on XX/XX/XXXX for a loan from XXXX which it completely false. Not once was I notified, served nor did it even show on my credit report stating I even owed them. Case # : XXXX-XXXX, process server lied about me being contacted and I didnt sign anything. I would like to know what kind of legal action can be taken against XXXX XXXX for his false statement as well as 1st Franklin Financial since it has affected my ability to get approved for ANYTHING.  Theyre trying to garnish my wages and I will not let that happen willingly.

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 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After submitting my complaint I was told that the " complaint did not appear to be submitted by me ''. I called the CFPB to confirm that I did in fact submit the complaint and was told to upload a copy of my credit reports showing the violation on XXXX, XXXX, and Transunion. There is no option for me to upload this to the existing complaint. 

This, AGAIN, as previously stated numerous times is in violation of my right to privacy under the FCRA. I want this removed from my credit file immediately. 

My full name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX My phone number is ( XXXX ) XXXX-XXXX This is the information you have requested from me so I'm providing it to you again.

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 2022-02-15
Company: AMERISAVE MORTGAGE CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022 my husband and I applied to refinance our home mortgage located at XXXX XXXX, XXXX Mi XXXX with Amerisave. We paid {$500.00} to Start the process and lock the rate of 2.75. For the next three months we we told to submit and resubmit our paperwork over and over and over, at least 4 -5times. I expressed our concerns repeatedly that why are we being asked to keep submitting the same documents along with additional documents. We were told by our own officer, XXXX XXXX of AmeriSave, that this was standard and she had no idea why the loan documentation people are indicating they never received the multiple copies. She assured us the rate lock wouldn't expire. 

About four weeks ago, the officer stopped responding and then the emails were listed as undeliverable. I called 800 AmeriSave number and complained and was assigned a new loan offficer who tells us the rate lock expired and we will need to pay {$13000.00} to get the rate and terms we agreed to. Of course we will be unable to find this rate at another company as the rates have gone up. I think Amerisave simply delayed and delayed us in the hope we would be squeezed to come up with a ton of money to close knowing full well the interests rates jumped up. This cant be legal-They committed fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief