BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: Specialized Loan Servicing Holdings LLC
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
SPECIALIZED LOAN SER XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2021-05-11
Company: JPMORGAN CHASE & CO.
State: TX
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:
CHASE can say that they won't handle my case when did they make decisions for the FTC! 


LOOK at my case FRAUD WAS DONE And I want it corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: American Coradius International LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After selling a product on XXXX  and using XXXX as a payment form, the buyer of the product stated false claims and after 2 months of use wanted his money back resulting in a negative balance for {$670.00} plis {$15.00} Processing fee on my XXXX account. 

I offered resolution as to a partial refund to the buyer and got no reply. Right now the buyer STILL has my product and never returned it for a refund and I am out {$680.00}. 

Meanwhile as I am striving to build me credit I did get a letter from a credit bureau claiming this money which I DO NOT OWE. 

I have attached the list of conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a collection with this company called Debt Recovery Solutions which is unknown and I do not owe this company anything. I have disputed and requested verification and nothing has been received. I need some help. 

Debt Recovery Solutions {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my mortgage in XXXX. Wells Fargo Delayed the closing and the rate lock expired. I have emails that I addressed this matter with Wells Fargo from XXXX. In XXXX Wells Fargo was fined {$1.00} XXXXXXXX XXXX AS A RESULT OF THIS MATTER.Wells Fargo still did nothing about the abusive practices. Only a few customers were addressed. In XXXX, XXXX, Consumer Affairs discovered that Wells Fargo still had this matter outstanding, and assessed another $ XXXX in fines to Wells Fargo. 
I received a check ( with no explanation ) dated XX/XX/XXXX. A letter attached to the checks offers no clear documentation of how Wells Fargo arrived at the amount of what they were sending me.No supporting Documentation was provided at all. Just some numbers provided by Wells Fargo Customer service Customer Service Dept. I want full documentation. of XXXX XXXX XXXX Calculation - Interest period dates and percent for state of Ohio. Wells Fargo has insulted me bay saying they are paying me and additional {$170.00} for time I did not have the fee 's This is what they think I'm worth. AND IT IS NOT ACCEPTABLE. WHO CAME UP WITH THIS FIGURE. ALL OF THIS WAS DONE BY WELLS FARGO CUSTOMER SERVICE DEPARTMENT. NOT ONE LEGAL PERSON WAS INVOLVED. I CALLED WELLS FARGO TODAY AD VERIFIED THIS. THIS IS AND INSULT. THEY ADDED {$5.00} AS A " JUST BECAUSE '' Then Wells Fargo is telling me to contact a tax consultant and/or an attorney to see if I have a tax liability. And Wells Fargo expects me to pay for this service when Wells Fargo is the guilty party. Wells Fargo should be paying any and all fee 's that a customer incurs as a result of this matter. Wells Fargo wants me to take the pennies that they sent me, spend it all on an attorney or tax consultant. Wells Fargo is the guilty party. I am not standing for this. Wells Fargo need to pay. And {$170.00} is not acceptable. What makes Wells Fargo this I am only worth {$170.00} when they are paying BILLIONS IN FINES. I WANT A COPY OF WELLS FARGO 'S RESPONSE TO THIS COMPLAINT FOR MY TEAM. THANK YOU. 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 2023-10-27
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1XXXX XXXX XXXX  balance {$940.00} no action was taken by the company 2.PYOB balance {$750.00} no action was taken by the company XXXX ) XXXX XXXX {$1100.00} no action was taken by the company 4 ) XXXX XXXX XXXX balance {$280.00} no action was taken by the company 5 ) XXXX XXXX XXXX XXXX  balance {$230.00} no action was taken by the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

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 2023-07-19
Company: EQUIFAX, 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:
I am writing to dispute the account referenced XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : SOUTHWEST CREDIT SYSTEMS Account XXXX Please remove it from my credit report. 

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. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under 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 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. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX  CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX XXXX STATE SENATE XXXX  : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX  CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
According to the Fair Credit Billing Act, the credit card company has 90 days to investigate and properly communicate to me the results of my dispute. The credit card company failed to acknowledge my dispute complaint when I initiated it back in XX/XX/2022 and subsequently they never mailed me documents following up about the dispute and instead they closed it themselves without any explanation to me and they did this after the 90 day period in late XX/XX/2022 well past the 90 days. The reason for the dispute is that I was promised a credit refund on this card from Lowes that I never received from the store. I had written communication from the management that promised me such a credit refund. Despite me explaining to the credit card company the circumstances, they still decided to improperly file the dispute as me not receiving the products or service when I never made such a claim to them. This mistake further delayed the dispute process. 

I have reasonably doubt that the dispute was not done in good faith because even when I sent in copies of my communication with the store, the credit card company did not follow up to ask questions surrounding the circumstance and did not communicate at all with any updates. After Lowes closed the investigation and I had no other recourse, I finally was able to meet with the manager at Lowes who confirmed the credit due to me and issued the appropriate refund. 

However, during the investigation, I was not able to reach Lowes and the credit card company was not taking my complaint at all serious by first not even listening to what I had to say and filing it. After the credit card company denied my dispute some months after, Lowes did issue the appropriate refund. However, I still think that the Lowes credit card should pay me the sum of the dispute amount as penalty as penalty for not properly adhering to the FCBA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a Lowes 4 Pros account. If you need any additional information, please contact me at 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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
wrong address and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit reporting company has stated that my account for XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/XXXX-XX/XX/XXXX. 1. Where is the proof? 2. Why is this account being updated?

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Dates go from XX/XX/XXXX XXXX  through XX/XX/ Amount : {$1500.00} Action taken by company : No action was taken by company I am writing in response to a credit report that I recently received, which suggests that I owe some amount. However, I have not received any documentation or proof substantiating these claims. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards, therefore the data in my credit report can not be accurate and complete. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My bank account was closed in 2019 due to fraud on my account at Bank of America. I went to the bank to see why my {$27000.00} was missing from my account and I was told that I withdrew my own money. I don't have online banking or a card. So I'm trying to find out what the bank did with my money.

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 2021-05-11
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged a {$36.00} fee on my account when I put the funds in the same day to cover it! They are crazy with these fees and putting them on your account when they shouldnt be!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
on XX/XX/23 I sent a letter to transunion asking them for supporting documents to support their claim that i owed suched debt. I have yet to receive any kind of response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: Experian Information Solutions 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:
A 30 day late showed up on my credit report for a credit card I applied in XX/XX/2021 I never got the card or approval. I contacted the credit agency and the credit card company " XXXX XXXX '' telling them that I never got approved, never received a card or statement or email or phone call, so I didn't know I need to make a payment. To please remove this late charge from my account. I filed a dispute, provided documentation and nothing. I contacted XXXX XXXX they only accept email and can not communicate. It appears that they opened an account didn't tell me and then charged me a {$25.00} fee, a late charge and a 30 day late notice on my credit report. The agencies are aware but will not do anything. I paid the {$30.00} that was there, but now I don't know what to do about the 30 day late. My score went down XXXX  points and this has caused damage to my family as we were financing our home and now we can't.

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 2019-08-07
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: Account status incorrect

Complaint:
I have filed disputes through XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I filed another claim on XX/XX/XXXX through XXXX XXXX but it was canceled against my will. Those claims were all verified as received by Transunion when I called multiple times. I filed another claim directly through Transunion XX/XX/XXXX. All of my claims were rejected. I have called Transunion numerous times, and when I speak to a representative every time they have told me that because I have no proof of the loan being paid off they won't close it. I was even told by a representative that it will automatically drop off after 6 months and that at that point I can resubmit another claim. I have called the creditor directly and they said there is no way to send a payoff confirmation and information is automatically sent to the creditors. My account with XXXX was updated almost immediately, I don't know why Transunion refuses to update my information even after paying off my loan 9 months ago. My credit has been effected by this, and there is absolutely nothing I can do myself to fix the situation. Transunion refuses to work with me, and even gave me an attitude and hung up the last conversation I had with them.

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