BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-29
Company: United Collection Bureau, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company has placed account on my credit report that clearly does not belong to me. The individual who the account belongs to is clearly a minor and had both primary and secondary insurance on the date of service.I contacted the company in XXXX about the account but did not provide them insurance information over the phone. I sent over my insurance information VIA CERTIFIED MAIL in which they had ample enough time to file it to my insurance and get payment before the claim would deny for timely. I have contacted this company several times to get this matter taken care of but they refuses to do their job. I have contacted My insurance company as well. If this company would do their jobs properly I would not be receiving a bill neither would this account be on my credit report. They dont speak a tap of English and I believe that they have no knowledge of how insurance works. They also told me that they received my insurance cards VIA CERTIFIED MAIL but did not file to my insurance company. I had to call them in order for it to get filed and then they tell me that it denied for timely but clearly if they had done their job when first received VIA CERTIFIED MAIL they could have gotten payment from the insurance. Its clearly not my fault that someone at their company dropped the ball on this account. They should be eating this bill!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Around XX/XX/XXXX, my attorney submitted documents to start a loan modification. We have been informing Wells Fargo for years that they had us in the same Pick-A-Payment loan from XXXX XXXX and this loan was found to be invalid by Superior Court Judge XXXX order in XXXX County NJ. However, we never received a formal denial letter through the mail. Yet Wells Fargo Home Mortgage despite numerous attempts to get their attention to stop their illegal foreclosure and sheriff sale proceedings, they continued to move forward even after being old there were a number of issues in my mortgage. Wells Fargo went on and held a Sheriff sale of our property on XX/XX/XXXX which is a clear FEDERAL VIOLATION of 1024.41 Loss mitigation procedures.I believe that they did this in retaliation for me filing complaints with the State and Federal authorities for their conduct which is deemed illegal.

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 2021-06-01
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I became aware of this debt with Caine and Weiner around XXXX XXXX  When I noticed a collection account on my CR. At which point I disputed with XXXX. Around XX/XX/2020 I was notified by XXXX the Debt was Valid. Due to the Pandemic I put this on my get to eventually list. I recently reached out to Cain and Weiner to get this account resolved. They informed me they had no account information to give me, and directed me to XXXX. I spoke with XXXX Fraud department who informed me their system doesn't show I ever had an account listed, and directed me back to Caine and Weiner. I have provided Caine and Weiner with my full name, social and address however they are unable to tell me when and by who this account was opened. Or with any other pertinent information. Knowing this I have asked Caine and Weiner to please have this account removed. As it is Fraudulent. I was told it was nothing they could do. And that I should dispute with XXXX again. Which I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit 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 have not received purchased merchendise from the company " XXXX '' and disputed the charge ( dispute XXXX ). Amex sided with the merchant twice when the merchant only provided a blurry printout of a tracking number which didn't reach my house ( either it was a fake tracking number or it was stolen by the carrier ). I can't launch an internal carrier investigation since I'm not the shipper, only XXXX can do that but their support refused to help me. 
I provided a police report stating I haven't received anything but Amex still sent me the same denial with the exact same response from the merchant. I think they didn't read any appeals and just sided with the merchant by default. This company " XXXX '' is known for it's fraudulent practices of failing to fullfill orders and it's customer support is nonexistent so I don't understand Amex 's insistence to protect them. My police report can be viewed by visiting the XXXX County Sheriffs Office website below and entering my personal details ( XXXX XXXX, XXXX, XXXX XX/XX/1990 ) https : XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
I write to XXXX, Equifax and XXXX XXXX as my credit reports wrongfully continue to be reported as OPEN for my XXXX XXXX account although I voluntarily CLOSED my account long ago and I have diligently sought to have my account marked CLOSED which required immediate mid cycle reporting to every CRA of my closed status. In fact, I have attached a XX/XX/XXXX listing of 2 entries on my credit report documenting that my account was CLOSED. One entry states XXXX XXXX account was closed On XX/XX/XXXX, your XXXX XXXX credit card was closed. A second entry similarly states : Account Information Changed. Remark code added to XXXX XXXX account. Between XX/XX/XXXX and XX/XX/XXXX, the following remark was added to thus account : Account closed by consumer. Since it is admitted that my account was closed and in fact reported as Closed, the failure to block changes from Closed to Open, constitutes an obvious Facially False Data deficiency which is prohibited as warned recently by CFOB Director XXXX XXXX. Kindly permanently delete my account and send me additional statutory damages of {$1000.00} for repeated uncurled willful violations of the FCRA and Metro 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: PA
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/ XXXX XXXX XXXXDate of Inquiry XX/XX/ XXXX-Date of Inquiry XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
1. XXXX  2. XXXX XXXX 3. XXXX XXXXXXXX XXXX 4. XXXX XXXX XXXXXXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: NC
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:
Mutiple Dispute letters sent to XXXX XXXX XXXX XXXX from XX/XX/2022 - present certified mail in reference to obtaining general disclosures and reporting options. By law 15 USC6802. Obligations with respect to disclosures of personal information Financial Institutions are to provide each consumer 3 different disclosures before reporting to a Non Afflilated third party. In response from XXXX XXXX in XXXX they asked can I explain what I need help with and each letter sent clearly stated what I the consumer was asking which is by law my right to have the option to disclose my information to non afflilated third parties. XXXX XXXX has failed to comply with XXXX5 USC 1638 credit cards fall under truth and lending and there are alot of disclosures that are suppose to be given to me allowing me to know my consumer rights with this company. Since I started my disputes in XXXX my Utilization for both accounts are being reported incorrect to all three Consumer Reporting Agencies ; putting me over my utilization limit for each account. Trying to obtain credit with my credit cards being reported incorrectly to Consumer Reporting Agencies is damaging to my character. These companies withhold information from the consumer of what there consumer rights and really hold fast from allowing the consumer to exercise there rights. 
XXXX XXXX XXXX XXXX policy to report any information other than the line of credit that was extended is only applicable if all disclosures have been made by law and there are a lot of disclosures along with 15 USC 6802. 
Accounts with Utilization 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 explanation
Consumer complaint received 2023-06-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023, at XXXX ET, I accessed my " Clearly Better Business Checking '' account online at XXXX XXXX XXXX When Exporting transactions, the exported file contains records that are outside the filter criteria set. In addition, in the account overview, transactions, view, the " Contact Us '' link at the bottom of the page fails to open the contact us page. 

In general, it appears that Citizens Bank recently reprogrammed their online account interface. The presence of such obvious defects indicates that no testing was done, and that the implementation is dangerously incompetent at a level totally inappropriate for banking. 

I attempted to call Citizens Bank at XXXX and an automated system reported that no one was available. It also reported that they are experiencing an abnormally high call volume. This is a lie as I have never called and not been told there is an abnormally high call volume. They have made a practice of deceiving customers into believing their normal failure to answer the phone is something other than routine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CMRE To Whom It May Concern : Account number # XXXX Account number # XXXX I am filing this compliant because I have recently checked my credit report. After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt. 

I ask that this request for validation because I do not recall or have knowledge of this so-called debt. Please provide physical evidence that I have a legal obligation to pay you. That is exactly all I need. Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
If you can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely from my credit report. I look forward hearing from you to resolve this concern. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX  Account NumberXXXX Account name : XXXX XXXX XXXX Account Number:XXXX  Account name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
they blacklisted me but they deny me for another reason but they told the credit manager at the dealer im blacklisted and ill never be able to get a loan from chase

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Green Square Company LLC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
On XX/XX/2018 I was contacted by Premier Recovery regarding an account I am unaware of. When I called XXXX a gentleman answered the phone and said hello. He didn't say the company name. 
When I gave him the file number he called out another someone else 's name. I asked the guy if I could get validation of the debt & he replied that they would not do something that I could do myself. He also refused to give me any contact information to the original creditor when I asked repeatedly. He began to raise his voice at me and didn't assist me with my concerns. I am unaware of the debt and simply was requesting information since I don't recall having an account with XXXX XXXX XXXX. The gentleman was very rude and uncooperative. He was irate because I asked for proof of the account. The guy was very unprofessional.

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 2023-09-14
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Shellpoint has been deceptive in their communication with me regarding my mortgage. I was told that I would be approved for a repayment plan and instead was moved to foreclosure status. I sent a confirmation email to XXXX of Shellpoint 's representative ( attached ) in which we scheduled to reconvene on XX/XX/XXXX to put into place the plan. Afterwards this was totally negated and the lender has been ignoring my email for a response. I also sent in a hardship request form to which I never received a response. 

I suspect I was intentionally delayed so that the lender could move me to foreclosure status and collect additional fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted the company explained it wasnt mine they refused to remove it. I was told if I settled it ( paid it ) they would remove it, when I settled the debt they didnt remove the account from my credit file

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 2023-11-08
Company: EQUIFAX, INC.
State: MO
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 am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts, late closed and charge off account. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction or removal. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution for a correction or a deletion : Kindly correct or remove these accounts : 1. XXXX XXXX XXXX Balance : {$470.00} - Please checked the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

2. XXXX XXXX XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now.

3. XXXX XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

4. XXXX XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Nationwide Doc Prep Inc
State: CA
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I received an email from representatives from : Nationwide Doc XXXX Prep, LLC Telephone : XXXX Extension : XXXX Fax : XXXX who charged me {$490.00} for initial registration on paperwork promising lower monthly payments for my student loans from XXXX. And I also have to continue to pay monthly for paperwork they have to submit every month to XXXX or so they claim. But XXXX rep called me back saying my paperwork was rejected because I was still in XXXX and that I should n't have to pay for submitting the application. That 's when I got very worried. I had used my XXXX XXXX credit card and gave them my personal info with XXXX. Now, I hope I can get this issue resolved somehow since the fraudulent person would n't get back to my emails and calls asking for refund.

Company response to consumer: Closed with explanation