BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : XXXX5 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 explanation
Consumer complaint received 2023-07-18
Company: Professional Choice Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A doctor used undercoding in order to charge me for services I didnt even need. This is unethical. The debt went into collections. I got a letter from Professional Choice Recovery Inc XXXX XXXX XXXX XXXX XXXX XXXX I sent {$40.00} to the billing part of the physicians office already. There was never any need for any of this treatment since the debt was unethical anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Avant Holding Company, Inc.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
As with other Companies Avant have refused to give me sn affordable settlement and they never did respond to my letter which was sent over 30 days ago. I also included a picture of the letter that i had faxed to Avant. When i reported being a victim of Identity Theft their phone agents falsely accused me of stealing my own identity. HOW DARE THIS COMPANY. I've tried to work with Avant over and over and i was repeatedly given the run around. Instead of Avant doing like other Companies they never replaced my card and they never changed my address or my email address as you can see in the pictures i've included. Avant did nothing to protect my account and made false accusations as well continue to report payments as Past Due to the 3 Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I use the Chase Sapphire Reserve credit card from Chase. One of the benefits we have is trip protection, provided by Card Benefit Services. I had a qualifying trip interruption that occurred in XXXX XXXX XXXX  and, despite providing all documentation requested by Card Benefit Services, still do not have a resolution for my claim. It's been about 2 months at this point and I am repeatedly told that my claim is in the final stages of review and I will receive a decision in 1-5 business days. Every time I am told that I will receive a callback, they do not call me back. There is an outstanding claim for a couple of XXXXXXXX XXXX and I have no other way to recoup this loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Credit Bureau of the South, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2021, I called deliquent recovery to work out a payment arrangement on debt. I was told by the Judge and Attorney XXXX XXXX on XX/XX/2021 to work out a payment plan with the collection agency. On my paperwork Attorney XXXX notated for me to speak with " XXXX ''. When I called XXXX transferred me to " XXXX ''. I offered {$60.00}, {$80.00}, and {$100.00}. I explained to her that that's what I could afford. She started yelling at me and told me I was ridiculous and I better get out of the double digits. I explained that I was told to call and work out a payment plan. I asked to speak with XXXX XXXX she told me that he was in court and that he worked for them. I told her that my balance is XXXX and she told me my balance was XXXX. My paperwork has the amount, but she trying to make me pay more. Also, they are trying to make me pay for damages to an apartment, however, the landlord could not provide pictures of the damages. I dont agree to having to pay for something that could not be proven. She said she was going to garnish my paycheck and hung up the phone.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Effective XX/XX/2023, Wells Fargo transferred my mortgage to XXXX XXXX. I paid my XXXX mortgage payment on XX/XX/XXXX. My XXXX credit report shows that I have a new account with XXXX and that I have a missed payment with XXXX and that my mortgage balance is now {$1900.00} higher and that I have two mortgages. This lower my score in the double digits. XXXX also shows that I have a 40 year mortgage when I only have a 30 year mortgage. This was reported to XXXX on XX/XX/XXXX. I need Wells Fargo to report my account closed, and I need XXXX to correct my mortgage term, my account balance and my mortgage term, and that I don't have a missed payment. I also need my payment reduced. I had an escrow shortage with Wells Fargo that was spread out over 24 months with a mortgage payment of {$1600.00} that has jumped to {$2100.00}. I am on a fixed income that is net $ XXXX. I believe that that, because I have so much equity in my home, they want me to foreclose. A friend of mine won a XXXX XXXX lawsuit against XXXX, which is the parent company of XXXX, due to fraudulent practices and Wells Fargo has the same practices. Wells Fargo added {$5000.00} to my balance with no explanation and I can't get to the bottom of this with either lender. Please help 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 2021-03-16
Company: Experian Information Solutions Inc.
State: AZ
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:
I have disputed multiple times payment history is incorrect on account. This account is showing open from 2015 and has no payment history but yet has late payments? I have also sent them a certified letter disputing errors and they did not respond at all. It has been 30 days now as well and they have not responded according to the Fair Credit Reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 2023-10-09
Company: Experian Information Solutions Inc.
State: IL
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 deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is regarding account # XXXX, which you claim I owe XXXX. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & XXXX  ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of XXXX} in damages per violation for : XXXX XXXX Defamation XXXX XXXX Negligent Enablement of Identity Fraud XXXX XXXX Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) XXXX XXXX Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office XXXX XXXX XXXXXXXX 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 2023-10-09
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: Reporting company used your report improperly

Complaint:
I would like to draw your attention to 15 U.S.C. 1681b ( a ), which states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. '' To the best of my knowledge, I have not provided any written consent or authorization for these accounts to be reported in my consumer report. This violates my rights as a consumer, as I have not granted permission for the inclusion of this information. 
I strongly assert that no consent implies identity theft or fraudulent activity. As a consumer, I am demanding the immediate deletion of the following accounts from my consumer 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 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 I would like to remind you of my rights under 15 U.S.C. 1681c-2, which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have taken immediate action to address this issue by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for the case. 
My FTC reference number is : 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 2023-11-21
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company was double paid when I requested a refund of the payment they sent me 2 payments backs I canceled then they went into my account and tried to take the money back, they were successful, but the payment was not authorized so I disputed the charge with my bank because the charge was unauthorized an the account had been closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: WELLS FARGO & COMPANY
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:
Wells Fargo XXXX XXXX XXXX reporting to credit bureaus that my name is on the following account as a co-signer. This is not correct. I did not co-sign for this loan. 

Account number XXXX Wells Fargo Case Number ( for dispute I opened XXXX : XXXX Wells Fargo sent me a Fraud Packet to complete and return to them for further investigation. This packet includes their requirement to file a police report and send them a copy as well as a signed, notarized statement indicating that I would support the civil proceedings against the fraud perpetrator. 

I will not complete the Fraud Packet request. However, if I must, the police report will reflect the perpetrator as Wells Fargo XXXX XXXX XXXX. 

I see in 2016, Wells Fargo Bank was held accountable for similar actions to the amount of {$3.00} XXXX in penalty.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX company is currently reporting a negative listing to the three major credit bureaus ( Experian, XXXX XXXX, and XXXX ) regardingt Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are 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 explanation
Consumer complaint received 2021-03-15
Company: Harris & Harris, Ltd.
State: OH
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have requested the negative information reported on the 3 credit bureaus to either be removed immediately, or for Chase bank to show me where I personally requested, authorized or signed for this credit card. I have been asking for this information for 2 years. The negative information " appeared '' on my credit report in XX/XX/XXXX. Prior to that, this information was never on my files. Also I had over 10 other accounts with Chase ( several autos, 2 home loans, other personal credit cards, an SBA loan ) totaling over {$500000.00}, as well as checking, savings and investments with Chase. ( They all are excellent pay with never a missed payment. ) I was never contacted by email, regular mail, phone or fax that this account was ever late, or being charged off. I never received any type of bill on this account, ever. The first time I knew anything of it was when I got an alert from a monitoring service indicating my score had dropped almost 200 points. Chase had all of my contact information and failed to ever contact me. 
I have requested numerous times for Chase to show me the evidence that I signed for this credit card, and they never have. They simply reply to the credit bureaus that it is mine, without proof. Recently they have " updated '' my report to show that it was paid " on time '' going back to XX/XX/XXXX. This was never part of my file, and was not on my file until XX/XX/XXXX when they listed it as charged off. Look back prior to then and you will not find this credit card on my file. This is a recent " addition '' by Chase. 
On my last complaint, Chase first of all said on their 15 day report that they tried to call me at a number that is bogus. My correct number is on all 3 credit reports. It is XXXX, and has been for years. Now as a final response, they claim they can't respond to me personally because I am represented by an attorney. I had an attorney try to get information last year, and he was not successful as Chase ran him around to over 20 different departments. He gave up. They also claim they responded to him, and that never happened. 
I am not represented currently by any attorney and ask that they deal and respond only with me. 

I am asking again, for the 20th time, PLEASE provide proof that I signed for this credit card or immediately remove it from my 3 credit bureau files. 2 years is long enough for Chase to deflect the truth and not respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Unauthorized Closure of Checking Accounts Urgent Resolution Required Dear Bank of America and XXXX XXXX XXXX XXXX I hope this letter finds you in good health. I am writing to bring to your immediate attention a distressing matter concerning my banking relationship with Bank of America. 

Recently, I discovered that both my personal checking account and business checking account were closed without my explicit permission or authorization. I want to emphasize that I did not provide any directive to initiate such closures, and this action has created significant disruption and inconvenience for my personal and business financial affairs. 

It is my understanding that, according to banking regulations, closures of accounts should only occur under specific circumstances and with proper authorization. The closure of my accounts without my explicit consent raises serious concerns about the adherence to legal and ethical banking practices. 

I kindly request a thorough investigation into this matter to determine the circumstances surrounding the unauthorized closure of my accounts. Additionally, I would appreciate clarification on the reasons for this action and request the reinstatement of my accounts if this closure was done in error. 

I believe in resolving this matter amicably and trust that you will address it with the urgency and seriousness it deserves. To facilitate communication and provide any necessary documentation, I can be reached at XXXX or XXXX. 

I anticipate a swift resolution to this issue and appreciate your prompt attention to the matter. 

Thank you for your understanding and cooperation. 

Sincerely, 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