BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This agency is in violation of 15 U.S.C. 1681i. They were to notify me of this in writing 5 days prior i was not. As the original creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identiy Fraud 3. ) Violations of 15 U.S.C. 1681i

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 2022-10-13
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was scammed on my Wells Fargo account. I applied for a job through my community college ( XXXX ) here in XXXX XXXX and took a job as a XXXX XXXX XXXX XXXX XXXX XXXX The job required for us to do some task for them, they would send a cashier check for us and we were to deposit it in our account. So once the first check came in I deposited to my account, and the bank accepted. Once the check was accepted ( XXXX ) my task was to send money to a charity through XXXX. the check was accepted of {$1500.00} without pending and i figured the money was good to send. the next day ( XXXX ) the check bounced back and my account was over drafted {$1300.00}. At this time i realized it was a scam and called Wells Fargo to report a scam and start a claim that same day. I made a few follow up calls between the 10 business days for the claim to be processed. on XXXX i called for a follow up because it was passed the 10 business days with no answer or email from them. Wells Fargo stated my claims were closed and denied.

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 2022-01-18
Company: LendingPoint Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/2021 I made an online payment on their website. Monthly payment is for {$270.00}. I made a payment for what I could afford that day which was XXXX. 
Website froze, message of, don't go back or refresh pop up and then I was charged {$720.00} instead of what I input for authorized payment. 
Filed a claim with them, multiple calls, emails, 11 overdraft fees for {$36.00} each due to their websites error on my bank account. 

My bank stopped the payment, put money back in my account before all those overdraft fees but Lending point took the money from my account again, knowingly it was a mistake and a claim was filed. 

After lots of back and forth and promises by supervisor XXXX XXXX using her work email, XXXX To refund the whole amount and pay for the overdraft fees, final answer was, her boss told her they won't be able to refund any money or any of the overdraft fees. 
They're violating my consumer rights when it comes to federal and state rules, laws, and regulations that govern financial institutions. 
I'm filing a claim against them for abusive unfair and deceiving business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: ALLY FINANCIAL 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: Information belongs to someone else

Complaint:
The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-ALLY FINANCIAL # 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 2021-01-15
Company: Caliber Home Loans, Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was taken to court for foreclosure by CALIBER HOME LOANS ( CHL ) who claim to be the servicing company for XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX as trustee, However the courts found in my favor on three occasions dating from XX/XX/XXXX to XXXX XXXX It is clear the statute of limitations ( SOL ) to collect, foreclose or threaten legal action ; is six years in XXXX  XXXX  XXXX . Despite the ( SOL ) running out XX/XX/XXXX ( CHL ) continues their attempts to collect the alleged debt, place negative information on my credit report violating the Fair debt Collection Practices Act and threaten legal action by selling/ transferring or assigning the non-preforming debt. to XXXX XXXX XXXX. proving their commitment to unfair and deceptive business practices. see Court documents attached costing me over {$150000.00} in lost rents due their court action and harassment in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: GA
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:
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 XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't believe that I had this account with these collectors/creditors. I tried a few times to get in contact with them and request ownership proof, but they failed to give me the important paperwork to prove that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, 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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619  Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: JPMORGAN CHASE & CO.
State: CA
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 was charged an incorrect amount for a 4 night hotel stay at XXXX XXXX XXXX XXXX XXXX. I disputed the transaction with Chase Bank and submitted all proof, but they came back and denied my claim. 
In my opinion, the proof I provided them made it very clear that I was charged incorrectly. 
Unfortunately the hotel would not rectify the problem so I was forced to contact my credit card company for assistance with a dispute. 
Chase did not provide an acceptable resolution even when presented with facts that clearly shows I was charged incorrectly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Nissan-infiniti to write to request that the late payments reported between XX/XX/XXXX & XX/XX/XXXX be removed from my credit report under Nissan-Infiniti account XXXX due to my XXXX  with XXXX in XXXX of XXXX. As you are aware, the XXXX pandemic has had a significant impact on many individuals, including myself. I was in the XXXX  for months on a XXXX completely XXXX. 

Upon my release, I made a payment to my account, unaware that it would be credited to the following month. I was still very XXXX, and was attempting to get all of my affairs back in order. This caused my account to reflect in arrears for a year unbeknownst to me. In essence, the time spent XXXX  put me ONE payment behind, which has been PAID IN FULL but continued to roll on and report for almost a year. I understand that this has resulted in late payments being reported to credit bureaus which has negatively impacted my credit scores. I would like to request that these late payments be removed from my credit reports as soon as possible. 

I have been a loyal customer of Nissan-Infiniti for almost 10 years ( with a total of 5 cars leased through NMAC ) and have always made timely payments on my account. However, due to the XXXX XXXX virus, I was unable to do so during my XXXX. I hope that you will take this into consideration when reviewing my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Blockchain.com, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I've been trying to go in and out of my blockchain wallet and I have not been able to since about the XXXX or XXXX of XXXX I just recently moved a large sum of XXXX into my wallet and I'm having a lot of trouble accessing it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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:
There are 5 accounts on my credit report that do not belong to me they are not mine they have not been signed authorized or used by me!!! 
I need these accounts off my credit ASAP!!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

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 2021-06-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
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 called the mortgage company in XXXX, XXXX and today. I faxed them in XXXX. My balance has not been updated since XXXX. I disputed it with the credit bureau in XXXX. I am being told it is the error of the credit bureau and the credit bureau blames the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was scammed. Someone open an account with PayPal using my information. And I didnt know anything about it until XXXX  sent me an alert regarding an account thats over. And when I checked it was open XX/XX/XXXX with XXXX dollars. I know nothing about.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: VA
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on the XXXX of XXXX around XXXXXXXX XXXX i stopped at the bank of america branch in XXXX, to make a total of XXXX in cash and XXXX in check. when depositing the cash value at the ATM he returned a part to me saying that the total money for a transaction had been reached and then I deposited {$300.00} in check, that's when the ATM froze and secured my card and did not issue the receipt. At that moment I called the number that was at the ATM for assistance and spoke with the assistant named XXXX. he said it was not for me to leave the front of the machine until he said. he reconnected the machine but my deposit was not registered nor returned my mwu card. the technician said he was going to report the case and that I had to ask for a new card and the machine is without access. at that same time i asked for a new card through the bank 's app and went to another XXXX XXXXXXXX agency and made the deposit with the cash reactant i had, because i had to pay the IRS. for the deposit at the XXXX branch I used the XXXX XXXX to access the ATM. I made a claim for the situation but they said that the only deposit I have was the one of XXXX 's never existed. if they checked the ATM video and saw that I was there and also the check for XXXX dollars and my debit card.

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 2021-06-29
Company: Medical-Commercial Audit Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX credit card was missing, plus I moved to my XXXX house in XXXX, and XXXX I have paid it off, and credit repair but it is on there preventing me to own a home XXXX card wasnt remove after I paid them. 
I have no idea about XXXX clinic I already paid them. 
I dont owe no one of these companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed account and remove them if unable to prove that the Items are mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

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 2021-04-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Have not been able to access my free annual credit report through : Equifax XXXX  I have tried multiple times over three months span and still haven't been able to access my free annual credit report even with providing all identifying information accurately.

Company response to consumer: Closed with explanation