BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-10
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Receivables Performance Mgmt. LLC is in violation of these ordinances enacted this year.

I have attached a copy of the record they sent me without a California license or a date of the last payment made. I have also attached a copy of a letter I sent requesting this info of which I have yet to receive.

Sec. 1 Section 1788.11 ( f ) Sending written or digital communication to the person that does not display the California license number of the collector in at least 12-point type.

SEC. 2. Section 1788.52 of the Civil Code is amended to read : 1788.52. ( a ) A debt buyer shall not make any written statement to a debtor in an attempt to collect a consumer debt unless the debt buyer possesses the following information : ( 3 ) The date of default or the date of the last payment.

( 7 ) The California license number of the debt buyer.

( c ) A debt buyer shall provide the information or documents identified in subdivisions ( a ) and ( b ) to the debtor without charge within 15 calendar days of receipt of a debtors written request for information regarding the debt or proof of the debt.

If the debt buyer can not provide the information or documents within 15 calendar days, the debt buyer shall cease all collection of the debt until the debt buyer provides the debtor the information or documents described in subdivisions ( a ) and ( b ).

This information was copied from : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
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:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
When I purchased my XXXX XXXX I put down {$15000.00} cash. Then financed {$3000.00} that turned into more. It eventually was repossessed and nobody tried to work with 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
Consumer complaint received 2023-11-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
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 have requested for all three of the CRAs and Dept of Education to remove all 18 student loans off my consumer report due to the Privacy Act of 1974 ( 5 U.S.C 552a ) : The Privacy Act of 1974, 5 U.S.C. 552a, is a federal law that regulates the collection, maintenance, use, and dissemination of information about individuals by federal agencies12. The law provides US citizens or permanent resident aliens with a right of access to information concerning themselves that is kept in systems of records by any agency in the Executive Branch of the federal government2. The law also establishes a code of fair information practices to protect the privacy of individuals.

You do not have the legal authority to report any of these student loans on my account, per the disclosure provided by the Department of Education/Nelnet under Section F : Gramm-Leach Biley Act Notice and Privacy Act Notice, that was supplied from the direct subsidized loan and direct unsubsidized loan MPN. No section indicates that these loans ( 18 total ) should be reported in my consumer report ; I have attached proof and require that you delete my consumer report immediately.

As a consumer, I have the right to privacy according to the Privacy Act of 1974 ( 5 U.S.C. 552a ), which requires that the following notice be provided to you ; The authority for collecting the requested information from and about you are 451 et seq. of the Higher Education Act ( HEA ] of 1965, as amended ( 20 U.S.C. 1087a et seq. ] and the authorities for collecting and using your Social Security Number ( SSN ) are 484 ( a ) ( 4 ) of the HEA ( 20 U.S.C. 1091 ( a ) ( 4 ) ) and 31 U.S.C. n01 ( b ). Participating in the William D.

Ford Federal Direct Loan ( Direct Loan ) Program and giving us your SSN are voluntary, but you must provide the requested information, including your SSN, to participate.

The principal purpose for collecting the information on this form, including your SSN, is to verify your identity to determine your eligibility to receive a loan or a benefit on a loan { such as a deferment, forbearance, discharge, or forgiveness ] under the Direct Loan Program, to permit the servicing of your loan { s }, and, if it becomes necessary, to locate you and to collect and report on your loan ( s ) if your loan ( s ] become delinquent or in default. We also use your SSN as an account identifier to permit you to access your account information electronically.

I am requesting that you send me the legal documents and disclosures required by the E Oscar database that show that you have legal rights to report all items on my credit report that I did authorize you to register.

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 2022-04-10
Company: Waypoint Resource Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Returned equipment and paid bill to XXXX for their internet services. Waypoint is saying their final payment was never paid. I let waypoint know when the return was made to XXXX and the bill was paid. I told XXXX to let me know if there would be any other costs. I was told that everything was paid and all had to do was return in equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
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 information incorrect

Complaint:
XXXX XXXX has incorrectly reported our mortgage loan balance as increasing to XXXX  and Equifax for two months in a row. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$540.00} from {$75000.00} to {$76000.00}. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$1600.00} from {$76000.00} to {$77000.00}. 

The loan balance as of XX/XX/XXXX on the XXXX XXXX page for our account is {$74000.00}. 

This has had a negative impact on our credit report for two months running lowering our score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The Transunion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX Balance : {$0.00}

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 2022-04-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have tried to get insurance on my home with Well Fargo Bank for two years and was unable to continue with the insurance companies that I had insurance with for 7 years, which was XXXX XXXX and XXXX XXXX They insured me for about two or three months and once the bank send them the funds out of my escrow account and send the rest back to me. I let the bank knew what happen and they told me they will charge me XXXX a year if they would have to insure it, so I looked and every one told me they could not insure me because the roof was over a certain age it is a risk. I just received a insurance policy from XXXX insurance for XXXX last week. Wells Fargo send me a bill last month for XXXX for my mortgage. My mortgage payment was XXXX until they changed it to XXXX then when I called to tell them I can't afford than and they changed it to XXXX which is illegal the way they did it for last year and this year for XXXX which left me with a balance for XXXX plus. I did not get any proof of insurance from them! seems like this is not truth in lending, this is 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 2023-11-30
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting 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 has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. ( These are all account numbers stated on Experian.com and they read : XXXX XXXX XXXX account number : XXXX, XXXX account number : XXXX, XXXX XXXX XXXX account number : XXXX & XXXX XXXX account number : XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts 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 2020-03-25
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Dear Representative, I checked my balance at XXXX XXXX  on Monday, XX/XX/2020 and realized I overdrew my account. I had 3 charges which came through ; {$17.00}, {$20.00}, and {$99.00}. My account was overdrawn for {$98.00}. I arrived at XXXX XXXX XXXX XXXX, XXXX, CT bank at XXXX XXXX  to give the teller {$100.00}. The teller stated the branch was closed however, the sign indicated they close at XXXX XXXX. I had to go home get my debit card and return to deposit the {$100.00} through the ATM machine. I deposited {$100.00} around XXXX XXXX. The next day I was charged for two overdraft fees. I called ( XXXX ) XXXX around XXXX XXXX explaining the situation and was told by XXXX he could not issue me a credit due to I had received a courtesy credit like two weeks ago. I received credit for an overdraft because the cable co. charge me twice in error, and before that, XXXX charged me pre-maturely and credited the charge back. 

I am reaching out to you because I am receiving unemployment and trying to pay my bills. I feel the bank is exploiting me and any possible opportunity to charge an overdraft. Please advise. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-23
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:
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Reported two 120 Day lates, Both in XX/XX/XXXX ( XX/XX/XXXX ). There is a {$0.00} balance on this account. I have made numerous attempts disputing this negative reporting, both to XXXX XXXX and Equifax Credit Bureau but as of to date there has been no resolution of corrective action granted. 

My issue is not soley with XXXX XXXX it is with Equifax. It is my belief that due to my continuous disputes of the XXXX account, regarding the matter of inaccurate/false reporting, Equifax purposely and falsely marked two 120 Days late on my credit file, XX/XX/XXXX. 

Today, XX/XX/XXXX I made contact with SN Servicing, I spoke to 3 representatives to inquire of the exact year and date of their last reporting to Equifax regarding the negative account. I was told that the account was closed and last reported to Equifax in XX/XX/XXXX and they have not reported any other negative information regarding this account since. If XXXX closed the account and last reported XX/XX/XXXX how could it be possible to have two negative reportings of 120 Days in XX/XX/XXXX as it is reported on my Equifax Credit file. 

Please, I need to understand if and why this is a fair, accurate, and truthful reporting according to Equifax. PLEASE HELP! My husband and I have been declined a mortgage due to this false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: WA
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:
The Data Furnisher named XXXX XXXX XXXX XXXX used fraudulent deceptive and unlawful mean to obtain the consumer consent to disclosed and furnish private, nonpublic, personal identifying financial information about the consumer with EQUIFAX whom is a third party as it relates to account number XXXX. The laws mentioned in the attached Affidavit of Fact Doc # XXXXXXXX XXXX XXXX XXXX XXXX that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless - ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. No such disclosures were ever provided to the consumer so no opportunity was ever offered. Therefore EQUIFAX is reporting private account information in the form of transactions and experiences that it has fraudulently obtained form the Data Furnisher. Lastly 15 USC 1681a ( d ) ( 2 ) ( A ) and RCW 19.282.202 states a consumer report does not include transactions and experiences. Obtaining consent to disclose private identifying information by deceptive means and using that information constitutes Identity Theft pursuant to 15 USC 1681 ( q ) ( 3 ). I am attaching a copy of my official notarized complaint by affidavit along with proof of identity and evidence that supports my claim. Please be advised that a copy of this notice has been mailed via USPS certified mail return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
IMPORTANT TO NOTE : We are wintering in XXXX XXXX XXXX, AZ from XX/XX/XXXX to XXXX XXXX. After returning to XXXX, our address will be : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and our phone number will be : XXXX. Email remains the same. 

XX/XX/XXXX : My husband tried to withdraw {$500.00} USD from the CHASE ATM at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ with his XXXX debit card. ( I am joint on the account with him. ) He got a slip with the date, time, ATM address, last XXXX digits of his XXXX #, Term ID and Sequence # on it, no withdrawal amount printed, slip attached. HE DID NOT GET THE MONEY ; however, our XXXX bank shows the money withdrawn, bank printout attached. 
XX/XX/XXXX : I called XXXX Lost or XXXX, XXXX, spoke to XXXX. No help. Our bank needs to inquire. Phoned our bank, XXXX XXXX, Lost or Stolen, XXXX, spoke to XXXX. Need wait until XXXX XXXX opens Tuesday, XX/XX/XXXX. 
XX/XX/XXXX : Started the lengthy process of contacting our bank, receiving, signing and sending back an Indemnity Agreement, copy attached, and phoning and emailing back and forth with them, copy of communications attached. 
XX/XX/XXXX : Indemnity Agreement XXXX XXXX XXXX, received, signed and emailed back to our bank. 
XX/XX/XXXX : Emailed our bank to follow up. Our bank contacted their settlements ' department who has heard nothing from CHASE. 
XX/XX/XXXX : XXXX went to CHASE. They will not talk to him as he doesn't have an account with them. XXXX commented, " We've been having problems with our machine. '' Really? And they're still using it??? 
XX/XX/XXXX : Followed up with our bank again. She asked me to wait to file this form until she heard back from their settlements department. again. 
You will note in the attached document of email correspondence with our bank, something similar happened last year. XXXX was charged twice for one withdrawal. Our bank had some issues with Chase 's responses, and ended up giving us back the money with the provision : " If anything unforeseen happens, we will have to take the money back. '' We have no idea how long it took for XXXX XXXX to receive that reimbursement for CHASE 'S  error. 
XX/XX/XXXX : I heard back from our bank. Again, CHASE has not responded to them. 
It is astounding that CHASE does NOT respond. I was told last year that it can take up to six months to recoup money they have kept. 
We are hoping you folks can make them accountable for responding!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions 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:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Date : XX/XX/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 2021-09-22
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection company that has put two medical collections on my report but i paid the doctors co pay when i went and my insurance paid the other parts. So this is not owed. I have tried disputing with the credit bureaus to get removed but have not had any success. Please help me to get these removed as they are not owed and i've never received a breakdown for what they're for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check # XXXX in the amount of {$90000.00} from account ending in # XXXX that I hold with XXXX XXXX XXXX XXXX for a HELOC loan that I own into my personal checking account with Bank of America on XX/XX/XXXX. BOA accepted the funds on XX/XX/XXXX and have been holding these funds since then in a " pending '' status as they deemed the check counterfeit. They have since closed all of my personal banking accounts and have refused to release these funds to me that I rightfully own. I have contacted bank of America numerous times over the past three weeks along with representatives of XXXX and a personal hired attorney to provide validation of funds and rightful ownership over these funds. I am suppose to close on a home on XX/XX/XXXX next Friday. BOA is jeopardizing my home purchase and I am in the process of filing a lawsuit against BOA for damages that I may incur should I fault on this real estate contract. BOA has refused to work with me or provide me with any information regarding updates nor have they allowed me to provide any proof or material to show legitimacy of ownership over these funds.

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