BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a public record entry that was placed on my credit report and I have been trying for over three months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get this inaccuracy rectified. This is my fourth attempt to dispute this item in which I have not received satisfactory results. 
On XX/XX/2017 I mailed a notice to Experian in effort to have the inaccurate item removed or for the credit bureau to produce written documentation ; in reference to how Experian has verified this erroneous public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request, I have spoken with various customer service representatives and 3 of the 5 informed me that the request/dispute is sent as a message to the courthouse and once the court verifies it, the information is sent back to the credit bureau. At that point, I advised the representative that I would like to cancel this dispute and they advised me that because the dispute was already sent to the courthouse, I will need to contact the court directly with my name and the case number. 
After seeking legal consultation, I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. 
At the point, I contacted Experian once again and spoke with another representative ; this time she advised me the information is verified by a 'runner ' who goes to the court house. I asked what information does the 'runner ' give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question ; as a result, I requested to speak with a supervisor. The supervisor advised me due to this being an ongoing re-investigation ; therefore no 'runner ' is involved. She advised me that they use a form which is sent r to the courthouse. I asked what type of form and exactly where the form it sent as the court clerk confirmed that they do not verify any information with the bureaus. Furthermore, I asked if she could provide me with a copy of this form. Experian refuses to give me any physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. I am requesting assistance in getting this ongoing issue resolve.

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 2020-04-01
Company: INVESTORS BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
My bank charged me fees for not having a balance of {$1000.00} I asked if they can waive it as a courtesy and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Genesis FS Card Services, Inc.
State: FL
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 a milestone credit card. I did not remove the auto pay and link to my bank and it kept popping off my account. They accused me of removing it. I did not. I got a late situation XX/XX/2023 and a manager helped me waive charges, pay a huge fee to fix and get a head and confront the auto pay situation etc. She was going to reverse and fix the late reporting etc to credit bureaus on recorded line. I feel she lied to me that this was not done.. I reported XX/XX/2023 to complain.. just now XXXX XXXX at XXXX and XXXX  only apologized for them dropping the ball and said investigation still under way. I said I am not trying to sue you but I will report you if you dont fix this and do have access to lawyers as this is lying about me and incorrect reporting as it was to be fixed .. nothing bad showing up on either credit for ever due to some glitch ... I want all bad stuff aobut me these 2 credit cards reversed asap .. as I am trying to buy a house in this horrible housing market. This will really hurt me,, have reported to XXXX XXXX to fix all the bureaus to no avail .. getting with you and soon fca and having lawyers send a letter soon

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened Wells Fargo Everyday Checking on XX/XX/2023 with {$320.00} welcome bonus. 

Welcome email from Wells Fargo states : " Your application was approved and your new account is eligible to receive a bonus upon meeting eligibility requirements and qualifying activities. '' The terms are : ( 1 ) Open a new Wells Fargo consumer checking account with a minimum opening deposit of {$25.00} by XX/XX/2023. All account applications are subject to approval. 
( 2 ) Within 90 calendar days of account opening ( the " qualification period '' ), receive a total of {$1000.00} or more in qualifying direct deposits to your new checking account.

I satisfied ( 1 ) by making an opening deposit of {$500.00}, which posted on XX/XX/2023. 

I satisfied ( 2 ) by making a direct deposit of {$1000.00}, which posted on XX/XX/2023 and is listed as " Category : Direct Deposit '' on Wells Fargo website. 

Therefore, I have satisfied all requirements of the {$320.00} bonus, but Wells Fargo has not paid the {$320.00} bonus. I contacted Wells Fargo ; they submitted a back-office form but have not heard back since. I am asking the CFPB to promptly take action and credit my account {$320.00}.

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 2023-08-03
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:
I reported identity theft and fraud to XXXXXXXX XXXX that they are reporting to credit bureaus and the account is not my account. I requested XXXX XXXX  remove the fraud from my name and from the credit bureaus and they refuse to remove the fraud. I am suffering loss and harm as a result of their negligence.

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 2023-06-28
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: NY
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 ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX have violated my consumer rights and caused me severe stress and anxiety due to their inaccurate reporting and their willful non-compliance of my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: WELLS FARGO & COMPANY
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:
Good afternoon I have been through so many of your Employees trying to correct the problem with my account. Debit Card #   XXXX     XXXX   XXXX   XXXX . The transaction on  XXXX / XXXX /2017 was not authorized. I called the Claims Department after receiving a Claim #  XXXX . I explained to the Claim Personal that I wanted to stop payment on the transaction for the amount of {$34.00}. Your. Claim Department decide to do what they wanted. Any one may look at my account to see that I never had dealings with that company. According to what I was told when I ordered the Merchandise it was {$14.00} for shipping and Handling only and my card was going to be charged a one time fee of   XXXX  . When I checked my account I noticed I had been charged the amount of {$34.00} I telephoned the company regarding the transactions I was handled in Non Professional way. I requested the entire Transaction be CANCELLED, THE Customer Service person became angry and said she was not going to issues me my {$34.00} back. I did take the Liberty to record the Conversation regarding the Refund my money. The next day I noticed a Credit to my account for. {$19.00}. I called WELLS Fargo customer service representative to ask what was the {$19.00} about. She stated for the different of the {$34.00} .  XXXX    amount. I do n't asked for that. I asked for the entire amount of   XXXX    to be placed back into my account. Now I see today  XXXX  has Debit my account again for {$14.00} that I have not Authorized. Now I have paid these people a total of {$59.00} because your Employees wanted to be bill collectors. Today I asked   XXXX   in the Claims Department to put a Stop Payment on the {$14.00} and the  XXXX . She refused to do so. Now, I f this is impossible for you to get done then, I will contact the Consumer Financial Protection Bureau. I thought I would give you a chance first to resolve this issue. My Remedy,. for my money to be refunded my money and make sure the   XXXX   XXXX   do not debit my account again. I did the transaction in Good Faith, but it seems as though they are not TRUSTWORTHY,. I need not to have any more dealing with that company.
<P/><P/>   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 2018-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received an alert from all three credit reporting agency about late payments from XXXX till XXXX. I have sent in my payments on this account. Someone is not updating accounts to reflect the correct amount due on XXXX that has the same amount supplied to the three credit reporting agency.

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 2023-08-05
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, Subject : Dispute and Request for Investigation of Inaccurate Information on my Credit Report I am writing to dispute certain items on my credit report provided by XXXX, Experian, and XXXX. After recently obtaining my consumer report, I have discovered inaccuracies related to the collections accounts associated with the following creditors : XXXX ( account number ending in XXXX ), XXXX ( account number ending in XXXX ), and XXXX XXXX ( account number ending in XXXX ). 

The inaccuracies that I am disputing are as follows : Incorrect Date of Birth : My date of birth is inaccurately reported as XX/XX/XXXX However, I can provide concrete proof through my official identification and citizenship papers that my correct date of birth is XX/XX/XXXX. 

Account Opening Date : The accounts with the above-mentioned creditors were reported as opened before I turned XXXX years old. As per my correct date of birth, I was born on XX/XX/XXXX. Therefore, it is evident that these accounts were opened before I reached the age of XXXX, which is incorrect and a violation of credit regulations. 

I kindly request a thorough investigation into these matters to rectify the discrepancies in my credit report. The presence of these inaccuracies negatively impacts my creditworthiness and financial standing, which may hinder my ability to obtain credit and loans in the future. 

I can provide copies of my identification documents and citizenship papers to support the verification of my correct date of birth. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days from the date of receipt of this dispute letter to conduct your investigation and provide me with the results. I request that you promptly send me a written response outlining the actions taken to correct the inaccuracies on my credit report. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute and look forward to a timely update of my credit report. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Michigan, 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 2023-04-29
Company: Radius Global Solutions LLC
State: PA
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 locked my credit card because my payments were higher when I had found a full time job after losing my previous job to Covid. However, when i received a letter from Radius, they keep giving me a run around and not allowing me to set up a payment plan to pay off my credit card within 12 months. Now they are demanding my personal information ONLINE including my social security numbers etc. I do not think this is acceptable now that I already had my identity theft happen to me last year. All I wanted was a payment plan set up to pay off my credit card with XXXX XXXX. That is all. The company is Radius Solutions. Not sure if anyone is aware of this company? Is this company legit because they should NOT be asking for my personal information via E-mail. Thank you for any help I can received.

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 2022-09-13
Company: JPMORGAN CHASE & CO.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was recently polishing up my credit to try and purchase a house. I had filed bankruptcy in XX/XX/XXXX and dismissed said bankruptcy in XX/XX/XXXX. Upon viewing my recent credit report, I was made aware of some charge offs that I needed to pay off. Chase was one of the accounts I needed to pay off. I contacted Chase using the number given to me on my credit report. Amount showing owed on all 3 credit bureaus is {$3000.00}. I first contacted Chase on XX/XX/XXXX and spoke with a customer service rep who explained to me that the the account was closed in XXXX and they are no longer actively collecting on this account. I asked to be transferred to the charge off/recovery dept. I got transferred to several depts and finally spoke to a gentlemen that told me I needed to speak to the bankruptcy department. I explained to him that Chase never filed to receive bankruptcy money and that the account according to them was charged off before my bankruptcy. That department was closed because it was XXXX XXXX XXXX I then called the following day XX/XX/XXXX. The bankruptcy dept said the account was not flagged bankruptcy so they transferred me back to the charge off dept. I spoke with a gentleman that said I could not pay on this account. I explained that is showing up on my credit report as a balance owed and also as late. On all 3 credit bureaus it is also showing late payments all through my bankruptcy through XX/XX/XXXX because I originally attempted to dispute it through the credit bureaus. He said maam there is nothing we can do for you. I then called on XX/XX/XXXX to see if I could get a letter stating that they are no longer actively collecting on this account. She attempted and said she could not but they were gon na update my account and I needed to call back in XXXX hours but not over the weekend. I called XX/XX/XXXX to attempt to get the letter. I spoke with customer service rep. I have a recording of the conversation. She said that I needed to fax a letter to Chases communication dept and they may be able to draft a letter for this special circumstance but I could pay no money to decrease the balance owed. I have not heard anymore from them. I attempted to file an arbitration with them but they have not answered my complaint from XX/XX/XXXX. I just applied for an apartment and was denied because of chase charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit report stating there was a new collection account added upon viewing my account I noticed it was a debt that was not attached to my social I disputed it with the credit agencies. That came back and stated this debt was valid when they did n't provide no contract that I signed or no proof that this belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: FL
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 Rights Violated Under Fair Credit Act ( 15 U.S.C. 1681 & 1666b ) Account Number XXXX I hope this message finds you well. I am writing to bring to your attention that my rights, as outlined under the Fair Credit Reporting Act ( FCRA ), have been violated. 

Specifically, I believe violations have occurred under the following sections of the FCRA : 15 U.S.C. 1681 Section 602 : This section addresses the requirements for consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information provided in consumer reports.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This section pertains to the limitations on the disclosure of consumer reports to authorized parties.

15 U.S.C. 1666b : This section covers the requirements for credit card issuers to provide clear and timely disclosures of important credit card terms to consumers. 

I kindly request your attention to this matter, and I am eager to discuss the details further to resolve the issue promptly and amicably. It is my utmost priority to ensure that my rights are protected under 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 2017-07-06
Company: Experian Information Solutions Inc.
State: TX
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:
Since XXXX I have been requesting the removal of a fraudulent address from my credit report and any accounts associated with the fraudulent address. With my most recent dispute, XX/XX/XXXX, I included a copy of my drivers license, ss card, letter from bank, utility bill and police report. Today I received letter from Experian dated XX/XX/XXXX, stating that they needed additional information which according to the letter, I included all of the requested information with my dispute. XX/XX/XXXX I contacted Experian via phone and spoke with XXXX from the fraud department and he informed me that they would not remove the fraudulent address because it is associated with an open account which i have also been disputing to no avail. They have also placed a statement on my credit report saying that I requested they put a fraud alert on my account which I did not. I am requesting the removal of the fraudulent address and any accounts associated with it. I am attaching the letter I sent to Experian as well as the police report and letter from bank. I will not attached my drivers license, ss card or utility bill.

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