BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-25
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I applied for a credit card online, was approved and sent a card. I then received notice that they had my ssn wrong. I mailed in the required form. I recently found out they also had my date of birth wrong. I sent in copies of my ssn card and driver 's license to verify. I just discovered today that my card was closed without notification. My credit report Is also wrong. I've also sent in driver 's license and ssn to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Amsher Collection Services, Inc.
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Hey, my name is XXXX XXXX and I dont know nothing about this debt or about no money I just move here, in somebody or someone is use my Name and my address I dont know who they is but its not my, I need yall to call me A.S.A.P! ( XXXX ) XXXX whoever doing this need to be find or be in jail because this is false information.. or Ill get a lawyer!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2021-02-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/21 my XXXX  loan from the XXXX  was ACH transferred to my personal account with Wells Fargo. My lender along with the XXXX  confirmed there would be no problem with this because i am the owner of the business, my social not the business ein number was used and i am a sole prop with a valid XXXX  meaning i am doing business as my business. Wells Fargo accepted this ach and then a day later placed a hold on my account and submitted a request for closure on my account. I called several times every agent i spoke with was extremely rude and continuously hung up in my face. I submitted all requested documents showing this was my business and i authorized these funds to go into my account with Wells Fargo. I provided Wells Fargo with my SBA contract my lender contract, ein issued by the irs and my XXXX  showing i am the sole owner of this business. I was initially told i once i submitted the documents showing this was business and these where my funds the hold would be released. I was then told the hold would not be released and they are holding my funds for 14 days then sending a check through the mail for the balance in the account. Wells Fargo has every right to close the account and do as they please with the closing of the account but they have no right to illegally hold my funds when i have provided all documentation it is a national pademic i was finally able to get assistance and now they are illegally holding funds. I will lose my business due to this those funds where to pay for the renting of my business space for which i was already behind in payments due to loss of income i will not be evicted and incur more fees due to the holding of These funds illegally. NEVER BANK WITH WELLS FARGO they have terrible customer service they do things illegally they discriminate against you and try to make you feel like a criminal and even after submitting all valid documentation they still feel they have the right to hold my funds. I should be allowed to get my funds and then they can close their sorry little accounts with their terrible customer service now i see why they where always in the news for doing so many illegal things!

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 2023-09-28
Company: Experian Information Solutions Inc.
State: NY
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX : {$730.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXXXXXX Balance : {$790.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXXXXXX Balance : {$720.00} XXXX US DEPT ED XXXX Balance : {$9000.00} ; US DEPT ED XXXX Balance : $ {$4100.00} 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 2023-03-17
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: Information belongs to someone else

Complaint:
This is my fourth 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 alleged fraud or extortion. 
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 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 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 2021-09-17
Company: Grain Technology, 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: Account information incorrect

Complaint:
I have reached out to Grain by emailing XXXX and by phone XXXX to identify the issue Im having with making a payment through their website. It does not let me connect my bank account sometimes and then sometimes it connects then disconnects after. On XX/XX/2021 I was finally able to connect the account so I made two payments {$100.00} and {$51.00}. I received a notification on today my credit report that I was two months behind which is incorrect. I have been emailing and calling with no return response and now my credit is ruin. This needs to be fixed immediately, I have always paid my account on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I received a notification on my bank account about a negative impacting debt of XXXX This was made by the XXXX XXXX XXXX XXXX XXXX ( Account reads that the Original creditor is XXXX XXXX XXXX ). 

I have sent three dated letters to the agency. The first letter dated around the month of XX/XX/2021, I received no response. I requested the validation of this debt under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. I asked for alleged services, what the money I owe is coming from, procedures performed and more. I will upload my letters below. I sent it twice, the second time was dated XX/XX/2021. 

This time I received a letter from the collection agency on XX/XX/2021, they called my letter vague, although I couldn't be more specific as you well see. They also called it frivolous- not having any serious purpose or value. 

As an organization that dedicates their time to protecting consumers and investigating the topic of ethical businesses, I ask that you review this activity. 

I was way from home for college. I finally responded on XX/XX/2021, after I gave them 30 days to send validation. This third letter was certified and was intended to let them know about the failure to validate after multiple attempts. I requested a response be delivered before 16 days, but following their last letter, things do not seem to be moving. This case has made it extremely hard to recover, as a first generation college student with no real support, it has also caused me great discouragement to progress in my studies and caused much mental distress. Additionally, with this horrid pandemic we are all struggling with.I just ask for your help and updates. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: CA
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and 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 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 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 2023-10-18
Company: Experian Information Solutions 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, XXXX, and Experian. 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 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 2023-04-05
Company: EQUIFAX, INC.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NY
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 writing to address a matter of significant concern regarding the handling of my credit report and the removal of negative accounts. I have submitted an FTC XXXX Federal Trade Commission ) report as a means to resolve issues within my credit report. I hope to shed light on the need for Experian to fully understand its role in this process and to question when accountability will be upheld for any perceived negligence. In compliance with federal regulations, I have provided an FTC report to initiate the resolution of discrepancies in my credit report. The submission of this report underscores the gravity of the situation and the importance of a thorough and accurate investigation to rectify any inaccuracies promptly. It is my expectation that Experian will uphold its responsibilities as a credit reporting agency and facilitate the resolution process accordingly. Regrettably, it appears that Experian is failing to understand its fundamental role in the removal of negative accounts. Sending me 4 different emails all with different messages shows this deficiency in comprehending the scope of your responsibilities has led to an on-going issue in the timely removal of negative accounts from my credit report. 

XXXXXXXX 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 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 2022-06-14
Company: Experian Information Solutions Inc.
State: VA
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 Act XXXX XXXX  XXXX Acct XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-11-30
Company: Portage Financial Services Company Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
We got a XXXX XXXX XXXX from this car company in. From the very beginning we had problems with the car from the wheels coming off while driving with my family in the car to the engine and transmission going bad all within a year. After all this finally voluntarily returning the car back in XXXX XXXX. Fast forward to XXXX and my checks are being garnished and I 'm confused cause I never got the chance to explain my side to the judge in court. I believe I should have had to pay the remaining balance after all the issues with car. We were never offered another car or anything after so many deadly issues were reported and happened with the car. After setting up a payment pLan and stopping the garnishment in XXXX my wife lost her job and I became responsible for a XXXX kids, rent, car, insurance, food, and other household bills. I tried to get the payments lowered until we got back to a stable financial situation. I feel like this company knew the were selling faulty cars because after we started having problems the dealership we went to just up and closed no heads up or anything. After I explained everything to the rep about our financial hardships they declined to work with us and lower the payments so we could get back on track. We understand that we missed some paymentsort but after explain our hardships and even breaking down out bills they still were n't willing to work with us. I 've been trying to contact this lawyer of theirs since XXXX and she never answers her phone or respond to voice mails. In XXXX after calling and calling and calling and telling them I was filing a complaint because the were n't returning or answering our calls to try and resolve the situation we were finally contacted by a XXXX XXXX Who works for the finance company. When this second garnishment was started up and we went to the court house so try and fight the case we were told we do n't have to go through XXXX XXXX to set up payment we needed to their lawyer who still does not have a office or even a working answering machine for you to leave a message. As a result of all this my wife is starting to suffer from XXXX from fear of us losing our home and car. As a result of the garnishment as explained in an email we our now suffering more hardships as we are behind on out rent and because of not so good credit I have a car payment of {$610.00}, rent is {$890.00}, we have XXXX kids, insurance, food, and utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Regional Management Corporation
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023 Request for Deletion of Charge-off with XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the XXXX XXXX XXXX  that was previously agreed upon between Regional Finance and XXXX XXXX XXXX XXXX XXXX in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the charge-off is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business XXXX to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Received email from Coinbase indicating that a transaction was attempted using my name and information. The email included an attachment and case ID number. I did not initiate the transaction nor have I ever heard of this company. I tried to contact Coinbase by going to their website, but there was no way to report fraud or identity theft without an ID number for an account, which I don't have. I did not open the email or attachment.

Company response to consumer: Closed with explanation