BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: NC
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 have reached out to Experian on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX  Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Experian has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Experian refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal. 

I demand that Experian cease reporting this false information. This is my fourth and final attempt to have this false information removed from my credit file. I attend to take legal action under the protection of Fair Reporting Credit 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 2019-04-06
Company: ERC
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:
ENHANCED RECOVERY COMPANY {$590.00} There is no valid claim, no contracts exist ... accounts were settled with original creditors by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Receivables Management Partners, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this company has a collection account opened on me - i have repeatedly requested any documentation which would validate me owing this debt - i sent mail to both the originator and this debt collection company with the information below - and both have refused to provide me this legally required information for over 1 year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Receivables Management XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX current date XXXX RE :  Collection attempts on a debt I do not owe. 


You have reported a collection account to the three major credit agencies. The amount of this account is {$220.00}. 

I do not believe that I owe this debt and I dispute it. 

I have no idea why i am receiving this bill. I have no idea what service was provided - when - where - by whom. 

In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money? b ) How this amount has been calculated in a way I can understand c ) Copies of the papers where I agreed to pay what you say I owe. d ) The name of the original creditor. e ) Demonstrate that you are licensed in my state, and provide this license number to me. 

Additionally, please provide this letter to the company for whom you are collecting so that they have notice of my dispute. 

Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this. 

You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/23 I disputed information and provided proof of identity theft snd proof of address I have also supplied identity theft affidavits address affidavits as well with said companies XXXX XXXX XXXX Transuion These companies failed to protect my consumer rights and also violated section 605b of the fair credit report act /penal code they have also failed to thoroughly verify fraudulent accounts I have filed a legal suit against the above stated companies I requested that the companies provide proof and documentation as to how they verified the said collections and inquiries on my personal credit report below are the fraudulent Accounts and inquiries from each company Transuion XXXX XXXX they gave

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 2020-12-31
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2023-01-26
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Comenity Bank XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXX/XX/2023 fraudulent activity was reported via XXXX. Called several times to dispute the activity, a few times they hang up/ transfer me from person to person/ and now they won't answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
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: Problem with rewards from credit card

Complaint:
Prior to closing my Chase Sapphire Reserve credit card account on XX/XX/XXXX, I had redeemed all my rewards points to book travel. I had used XXXX points to book accomodations at XXXX XXXX by XXXX XXXX XXXX ( equivalent of Cash value {$220.00} ). 

However my travel plans changed on XX/XX/XXXX and I cancelled my hotel stay. I had intended on reusing the reward points that will be refunded to book new travel. But the points never appeared in my account. Since then I have contacted Chase multiple times to find out how those points can be refunded. Chase keeps on saying that once an account is closed the points need to be used in 30 days. I understand that and that is why I had redeemed all my points prior to closing account. But in the case of travel changes, Chase should provide some grace period of 3-4 days to allow to refund points and then rebook travel. This is deceiving as Chase provided no notification when I cancelled my travel saying that the points are no longer available in my account for rebooking. These are the points I earned based on my credit card spend. Therefore Chase should refund them to me so I can rebook travel.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TrueAccord Corp.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" TrueAccord '' emailed my ex-wife, whom I have been separated from for over eight years regarding a debt that I do not owe. My ex-wife sent screenshots of the email on XXXX XX/XX/XXXX. This was the first time I have been contacted regarding this debt. 

I contacted the company promptly on XXXX XX/XX/XXXX, and they would not speak to me unless I gave them my phone number. I reluctantly gave the operator my phone number, and then she stated that she " could not verify that phone number. '' The number I gave her, my current phone number has been used by me for over three years. Since she could not verify my phone number, she then tried to get me, " verify my address, '' and I refused. The operator would not give me any information, other than agreeing to, " removing us from the contact list. '' The email my ex-wife received states, " This was originally a check written to the XXXX XXXX. This check was presented for payment but dishonored by the bank. XXXX XXXX XXXX, XXXX purchased this debt and has hired our company, TrueAccord to collect the balance due of {$60.00}, plus a returned check fee of {$25.00}. '' I have not used checks in stores since around XXXX. I do not have any outstanding debts that I owe to any businesses. TrueAccord was attempting to fraudulently make pay/responsible for a fake debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Webcollex, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CKS financial closed the account and sold it back to original creditor. Please remove from my credit file.

See attached letter from CKS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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:
On XX/XX/2019 our Cabela 's / Capitol One credit card number was used to make a charge at XXXX # XXXX in XXXX, Idaho. The amount of {$500.00} was charged. Capiton One called us because they thought it to be fraudulent activity. On the phone we went through the charges and were asked which were correct and which were not. We identified, at that time, only the one charge for {$500.00} that was fraudulent. The credit card company removed the charge until XXXX XXXX 2019 when they sent us a letter informing us that they discovered no fraudulent activity and were thus re-instituting the charge against our account. I explained to them again that my wife and I were not even in XXXX. We were in XXXX Washington. I further explained that we have only one card for that account and it was with us in Washington. They said, no matter, we think it is not fraudulent. I requested they hold the charge in abeyance until the problem was properly resolved and they refused. They have not explained any of the things they did to verify their claim. 

I have made a police report and have requested copies on the signature and an image of the person making the transaction. The police will help procure both.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To Whom It May Concern, My XXXX Account was Stolen for the amount of XXXX USD and was Wire Transferred to a Bank Of America Account XXXX, XXXX XXXX. Since then i have not received any information as to what has happened. Last time i spoke with Bank Of America they were investigating money laundering going on. Its been a couple of years since the incident and still dont have a word as to what has happened. Ive contacted both banks and no response. XXXX   is still holding me liable for what happened on my account. Ive taken both banks to small claims court citibank stated its hard to hack a bank account and bank of america stated i should be suing the person XXXX XXXX in which i do not know where this person lives.

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 2023-09-21
Company: EQUIFAX, INC.
State: NY
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:
feel I am being ignored by this company. my report has unauthorized accounts, never did I consent to these being applied for. Never did I have knowledge of them nor did I ever have access to any of these. However, XXXX is not removing them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They failed to respond my request tracking # XXXX item was delivered at XXXX am on XX/XX/2021, in XXXX XXXX, MN XXXX letter attached. which is a FDCPA violation, and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation To whom may concern This complaint is to formally advise you that your company has violated my consumer rights in the following ways. 
Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my letter- FDCPA violation As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. 

This is a notice of default and opportunity to cure ( letter attached ) for I C SYSTEM as the affidavit sent in support of my claim was not rebutted and my demands in the cease and desist were not met. This is an opportunity to settle this dispute by acting in good faith by providing my request of remedy due to the wrongdoings done against me. 

In this attachment will be all previous attachments sent to I C SYSTEM including affidavit of truth, Exhibits A ( Pointing out each violation ). I will be producing an invoice in the future with new violations in the case you default again, and a lawsuit will be commenced against you. 

My specified remedy for damages incurred are as follows : Removal of all negative reporting from all consumer reporting agencies. 
I demand you pay the invoice attached for each labeled violation If you dont comply with my request ( remedy # 1, remedy # 2 ). A Lawsuit will be commenced against you adding further injury, damages, mental anguish, and losses due to me being a victim of violations and identity Theft by your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To It May Concern ; I had An incident where someone broke in my house, ever since that happen my identity has been used by an unknow source. these Accounts are Related to Fraud. I did not Authorize these Account. 
Attached is the police Report of what happen at my home

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 2023-06-07
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called National Credit Systems on XX/XX/2023 about a collection that is showing on my reports. I spoke with XXXX XXXX ( collection manager ). She explained the debt was from a previous apartment I had rented in XXXX and the charges were from carpet cleaning, I ask to see the billing statement from the apartment and pictures she sent photos only, I offered to settle the debt only if she agreed to delete the account of my credit reports, she said she could do that but refused to put it in writing. I told her I needed it in writing, she claimed she couldnt do that she could lose her job. She verbally agreed to delete but refused multiple times to put it on paper. She was very rude and talked over me, said that I wasnt worth losing her job over, she has kids she has to feed, and I could either take her word for it or it can just stay on my credit. She also claimed the phone call was being recorded, I find this very unprofessional they way she spoke to me and tried to belittle me. If she can agree verbally there is no reason she couldnt put the good will deletion in writing. I want this removed off my report asap and this company needs to be sued for the way they speak to clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: CITIBANK, N.A.
State: ND
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:
On XX/XX/XXXX I became aware of a fraudulent inquiry on my credit report from XXXX. The company have wrote me informing me that they would remove the inquiry and they even informed me that the credit card application was not in my name. XXXX  was also notify about this and I have file several disputes through them about this inquiry. They have a copy of the letter that XXXX sent me and even sent me a letter saying that the inquiry would be removed. It is now XXXX and I am frustrated with these companies. I did not apply for any credit card through XXXX and this company is aware of this and said would fix this problem and no one has fixed this problem

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 2023-11-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX Made a {$22000.00} deposit into savings account at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The banker told me as this was XXXX XXXX that I would be getting a higher interest rate of 4 plus percent for 3 months. Which I did not receive. 
On XXXX XXXX I went into the branch and XXXX XXXX XXXX that I had only received the standard percentage rate. XXXX filed complaint ID XXXXXXXX  in my behalf. Several days went by and I received a call from XXXX complaint department Wells Fargo. I tried calling back but the extension XXXX left XXXX was an invalid extension. Extensions at Wells Fargo are only 5 digits. XXXX closed my complaint without resolution. On XX/XX/XXXX I spoke to XXXX XXXX XXXX  she issued a new complaint. I asked that the new complaint be given to someone other than XXXX as he does not provide a valid call back number. Again it was XXXX that called me on XXXX  and left the same invalid extension on voicemail. When you cant reach XXXX back he closes your complaint case without resolution.. why does Wells Fargo make all these roadblocks?? I finally after several attempts was able yo track down XXXXXXXX XXXX  said for me to wait for his callback on Monday and be sure to pick up the call I told him you cant expect people to wait by their phones all day. I asked him for a valid extension for him.. he said that that has been an issue for a long time with people unable to reach him. Finally when I asked for his boss XXXX said I could try extension XXXX what was this game XXXX was playing? I asked to speak with his manager he told me that his manager XXXX was not available. XXXX spelt XXXX for me. I called another associate XXXX and asked to speak with XXXX and my call was disconnected. I finally called again and got XXXX .. XXXX XXXX XXXX XXXX not available but would call me back! When XXXX called back I reported that XXXX was leaving complaint callers a bogus extension and I received no response from XXXX that that would be rectified. So to date Wells Fargo had not paid me the interest money they owe me and they are giving clients misleading contact information so that they can close complaints without resolution please help me with this situation.. I have already started yo pull money from my Wells Fargo accounts to put in another bank .. Wells Fargos tactics are deceptive to say the least.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: U.S. BANCORP
State: DE
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Hi my us Bankreliacard was locked I Called 100x Times was Told to verify my identity I Did I uploaded document and I was told wait 24-48 hours I have wait 5 days and my card is still on hold

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