BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: S & S Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX  ( 2 hours ago ) to XXXX Good Afternoon, I reached out to your office regarding my hold. One of your associates stated I owned XXXX dollars. The individual was unable to tell me when theses charges occurred due to the legacy system issue. 

I understand that is a system error issue but when I called the Collection they stated I owed XXXX dollars. They said they cant change it without approval. 

I ask your assistance with this matter. I been dealing with XXXX XXXX for over a month. 

I am struggling to get this resolved Best Regards XXXX On Mon, XX/XX/2020, at XXXX XXXX  XXXX wrote : Dear XXXX , We have received your transcript request order ; unfortunately, we are unable to process your request because of a hold ( s ) on your student record.

Listed below is the hold ( s ) on your record followed by the college that placed the hold on your account and their contact information : Accounts Receivable Hold : - XXXX XXXX XXXX College - - XXXX XXXX ( XXXX ) XXXX Financial Hold : - XXXX XXXX XXXX College - - XXXX XXXX ( XXXX ) XXXX Please contact the college ( s ) listed above to inquire and resolve the hold ( s ). Your college Identification number is XXXX. You will need to reference this number when contacting the college ( s ) listed above.

Once your hold ( s ) has been removed, your transcript request will be completed automatically. 

Respectfully, XXXX XXXX XXXX College Transcript Processing Team This is an automated email, please do not reply directly to this email. 

XXXX XXXX XXXX XXXX XXXX  ( 1 hour ago ) to XXXX Good Afternoon, My whole family including a XXXX   sister in law has been affected by XXXX  XXXX. After over a month of battling this XXXX. Now I am faced to fight another battle with the XXXX who's legacy system has been down for months. They are unable to provide any information regarding student 's balances. Students are forced to pay bills with bursar 's office without knowing when the chargers occured and transcripts are not released until the bill is paid. I am in the process of applying for my dream school XXXX for my XXXX XXXX in XXXX XXXX for the XXXX enrollment. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, 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:
contacted XXXX XXXX, Equifax and XXXX in regards to the validity and factual information regarding late pays on 2 specific credit cards, i was not notified or was i allowed access to the information gathered to validate the investigation. all 3 bureaus did not send accurate information regarding the investigation and what the process entailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. USDEPED XXXX {$40000.00} XXXX XXXX {$65000.00} XXXX XXXX {$3500.00} XXXX XXXX {$700.00} XXXX   XXXX {$5000.00} XXXX   XXXX {$5500.00} XXXX XXXX {$790.00} XXXX XXXX {$390.00} XXXX XXXX XXXX   XXXX {$4000.00} XXXX XXXX XXXX {$5200.00} DEPTEDXXXX   XXXX {$1300.00} USDOE XXXX XXXX {$11000.00} XXXX XXXX {$2700.00}

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 explanation
Consumer complaint received 2021-11-06
Company: WELLS FARGO & COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
I noticed a fraudulent ATM withdrawal on XX/XX/2021, for {$86.00} plus a {$2.00} non-wells fargo transaction fee dated XX/XX/2021. 

I submitted a claim and my claim was denied. I called Wells Fargo and the only thing they could tell me that they did a thorough investigation, but they would not disclose how they investigated. 

I have never been to the address where the ATM is located, so it is not possible that I made this transaction.

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number. 

TransUnion fraudulently reported accounts and 2 inquiries on my credit report. 
* Creditor : XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX * Creditor : XXXX  on XX/XX/XXXX XXXX fraudulently reported accounts and 4 inquiries on my credit report. 
* Creditor : XXXXXXXX XXXX on XX/XX/XXXX * Creditor : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX XXXX fraudulently reported accounts and 2 inquiries on my credit report. 
* Creditor : XXXX on XX/XX/XXXX * Creditor : XXXX on 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 non-monetary relief
Consumer complaint received 2023-07-10
Company: DISCOVER BANK
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I XXXX, XXXXagent requested a bill statement monthly payoff for the account on XX/XX/XXXX and the statement was posted to the online account on XXXX. The bill statement is due by the XXXX of XXXX. 
On XX/XX/XXXX the first letter of instructions ( claim of credit ), POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff endorsed was sent to the CFO ( XXXX XXXX XXXX ) over night and was received on XXXX the XXXX at XXXX XXXX ( letter of instructions states 5 business days will be given to receive a response. A copy of the endorsed negotiable instrument of the bill statement monthly payoff was sent to the billing center requested in the letter that was sent to XXXX XXXXPrincipal. No correspondence from the CFO was ever received of completed instructions. The second set of instructions that was sent to the CFO ( opportunity to cure ) along with POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff on XX/XX/XXXX and received on XX/XX/XXXX at XXXX XXXX giving 5 business days to respond. No correspondence has been received at this time from the CFO. The third set of instructions will be sent on XX/XX/XXXX ( default of notice ) along with POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff. Again, given 5 business days to respond accordingly. All instructions were sent overnight using USPS with tracking. Also, all items sent had to receive a signature upon delivery. A copy of this file complaint and all evidence has been sent to the CFO as well. As of XX/XX/XXXX the instructions have not been completed by the CFO at this time. As of now the CFO of Discover Financial Services is in violation and breach of contract of the following laws/acts : 15 USC 1611 , 3-602, 3-603, 3-604, 3-611, 3-408, 3-409, federal reserve act section 16, and federal reserve act 29. Due to the nature of the violation, I am seeking remedy of the bill statement monthly payoff to be paid out for the account with Discover Financial Services and 1 percent of the total assets of Discover Financial Services member bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions. 
15 USC 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 2021-04-01
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
To whom this may concern, I sent a letter to XXXX, Equifax and XXXX concerning the inaccurate information reported on my credit report by your company. I have sent a letter to each of the bureaus and the account came back verified by YOUR COMPANY. I want to know : how did you verify this inaccuracy? 

I have attached a letter to express of discontent. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, copy of my Social Security Card, a copy of my FTC report and Drivers License is attached for proof of identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. Also listed on my credit report twice. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is crystal clear that I do not owe you any debt. 

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my credit card account on XX/XX/2018 for return payment. I did setup a payment from my external bank checking account to my BOA credit not knowing my checking bank was going to deduct huge amount from my checking which caused the return payment. I have been struggling with my finances since I started my trucking business in XX/XX/2018. It took me almost 90 days to get my first business from shippers as most required my trucking authority to be at least 90 days before they can do business with me. I called Bank of America to resolve the issue but didn't het no help.

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 2021-06-04
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 XXXX accounts on my credit report that do not belong to me I have tried disputing these with the bureaus as well as the furnishers but nothing is being done I need to remove these from my credit report since I have not signed used or know what these accounts are!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : 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 2023-10-18
Company: EQUIFAX, 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 dont recognize these accounts, delete XXXX *XXXX XXXX XXXX *XXXX XXXX *XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
ON XX/XX/XXXX I received a letter from CHASE Auto Finance stating that my payment of {$190.00} was returned unpaid. Attached there was a coupon to resubmit payment. I called as soon as I received it to make another payment over the phone ( like the one before and got a confirmation number for the 2nd time ) It was automated and could not speak to a person. On XX/XX/XXXX. I received a letter that said my recent payment of {$190.00} was returned so I called again..still no person to talk to only automated.. Once again I had gotten a confirmation number. On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX in XXXX Va. ( on XXXX XXXX ) and Secured a loan to refinance the XXXX from the CHASE auto finance. I had gotten the pay off from " XXXX '' from Chase and gave that to XXXX. XXXX sent a overnight check to the address that XXXX and given them. It was the wrong address. She lives in XXXX AZ. She said the address was XXXX TEXAS! the check did not get to the correct destination and afterward I received a letter on XX/XX/XXXX with the same context and on XX/XX/XXXX one that stated I had fallen behind and to let them know how I would like them to handle the debt. I had already refinanced and had a loan with XXXX XXXX XXXX so I thought it had crossed in the mail. I tried calling XXXX at CHASE but she wouldn't help when I called XXXX they got on the phone immediately and started straightening things out. They over knighted another check this time to the correct address in TEXAS It was applied and my loan was paid off by the XXXX of XXXX. On my credit report it showed that I had 2 loans for the same car and that the one with CHASE was in Maximum delinquency of 30 days in XX/XX/XXXX. My Credit score had dropped from around 823 down 100 points! I was no longer in excellent status! THIS WAS NOT MY FAULT AS I DID EVERYTHING TO KEEP UP MY STANDING EVEN TO REFINANCE WHEN CHASE COULDNT RECEIVE MY PAYMENT. XXXX FROM CHASE GAVE XXXX A WRONG ADDRESS ON TOP OF EVERYTHING ELSE. Had she given them the correct address I would not need to be writing about what is showing up on my credit report and my score dropping. I have worked very hard all my life to keep my good name and good credit! It's says on my report that it wont come off until XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: CAINE & WEINER COMPANY, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i am in need of help because debt collector is not able to provide me with original contract showing that i owe them money. 
i looked up this law 15 us.code 1681i which is the FDCPA and in section 1681i a Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
which mean if i request for my original contract and they can't proof it then they need to remove it off of my credit report. 
they violated my right under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
To whom this may concern, I sent a letter to Experian, XXXX and XXXX concerning the inaccurate information reported on my credit report by your company. I have sent a letter to each of the bureaus and the account came back verified by YOUR COMPANY. I want to know : how did you verify this inaccuracy? 

I have attached a letter to express of discontent. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature.

Attached : A complaint letter, copy of my Social Security Card, a copy of my FTC report and Drivers License is attached for proof of identity

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