BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
this is my prior complaint XXXX they did not address the issue in that complaint but my complaint was closed anyway. 
I would like you to look into this further. Their response is first, a lie, XXXX XXXX never said they may not honor the check. Secondly, they already said this nonsense prior to me filing a complaint. Third, the response does nothing to address the issue that they had the funds-the funds were released to them by XXXX the same day the deposit was made, yet, they held onto that money for 10 days. Its not as though XXXX  did not release the funds and said " wait a minute, lets see the check '' No, they released it right away. 
The letter also says they can contact the other institution and see if it cleared and release the funds early. That is not what they told me, they told me there was no way to lift the 10 day hold. 
Then after all of this, they back dated the deposit to make it look like it cleared on the XXXX. 
All of this nonsense and lies just makes me more upset. 
Please insist on a response with documentation from XXXX saying they may not honor the check.

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2023-06-01
Company: Experian Information Solutions Inc.
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 2022-05-15
Company: Experian Information Solutions Inc.
State: DC
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 was extended a line of credit to use at XXXX and made a second purchase on XX/XX/XXXX. I purchased XXXX XXXX Mens XXXX XXXX XXXX for {$57.00}. The product was never delivered to me. Either it was stolen or lost in delivery. I notified the company that I never received the item and they refused to send a replacement or refund the cost of the item. Because XXXX would not rectify the problem, I never paid off the credit for the product I never received. The product continued to collect interest and XXXX denied taking action in the matter. Now there is a negative item on my credit score for the cost of the item plus the accrued interest, {$150.00}. I reached out to XXXX in XXXX and, again, they refused to address the issue and said the debt needed to be paid. I do not think this is right and feel that is account is incorrect give the context of the original reason for nonpayment. If a package is lost in transport, it is the company 's responsibility to rectify the 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 non-monetary relief
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried several times to file a dispute online. over several days. It always says currently unable to process your request. When I call in they say the online, dispute center is down. This has happened over and over again. Then they tell me I can send it in writing but need to send my ssn card and photo ID. No I will not send that in the mail. I should be able to file a claim online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
this is a very old debt that is being sold and resold to debt collectors that like to fish for money.,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
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:
Why does this account show different collection agencies names and when I look up contact information for the collection agency that is being furnished on my credit report, nothing comes up? There are many FCRA violations here and I have been trying to get this inaccurate information removed from my credit report for XXXX months. I am now disputing this information with the credit bureaus as I have tried to find the agency you are reporting but it has been to no avail. Please explain how you are reporting accurate information when there are different agency names. Also, I was never sent any correspondence notifying me that this account was sold. Nonetheless, the account was paid in full because I do not believe in having unpaid debt. Even though the original company did not do their due diligence to inform me I still paid the balance, and you are still reporting inaccurate information on my credit report. I am demanding that this account is removed due to it being paid to the collection agency. I contacted the original creditor and will attach the letter to this complaint.

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 2020-06-10
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:
I was made aware of some accounts reflecting negatively on my credit report today XX/XX/20 because I got my credit ran to see if I qualified for a home loan. I had no idea there were accounts in negative standing on my credit because none of those accounts belong to me. I did not open any of those accounts nor did I give anyone permission to open those accounts on my behalf. I did not benefit anything from any of those accounts nor did I ever make any payments towards any of those accounts. I do not have any written or verbal contract with any of those companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Risecredit, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, mailed a letter to XXXX XXXX XXXX to validate debt. They have not responded in a timely matter. XXXX and XXXX have deleted the account from my kredit profiles. According to FCRA section 611 ( a ) 6 and 7 gives us the right to request a method of verification. XXXX has failed to provide the method of verification within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Diversified Adjustment Service, Inc.
State: TN
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 request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. As per FDCPA, you are required to provide this validation of debt within 30 days of receiving my written request. I believe that you, as well as XXXX, whom I originally entered the contract with, are violating 1692g by submitting incomplete information again to my credit report. This is a severe violation of THE FALSE CLAIM ACT, and I urge you to correct this immediately. Moreover, I would like to bring to your notice that XXXX did not adhere to the law of 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( F ), which includes an agreement to defer one or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period, which began on XX/XX/XXXX, and ended on the later of 120 days after XX/XX/XXXX, or after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX, under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminated. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: L.B.Gray LLC A Debt Collection Agency
State: KY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved from XXXXXXXX XXXX in XXXX and broke my lease on good terms. I moved out of state and they agreed to keep the security deposit, as I was breaking my lease. They also agreed that I left on good terms and the apartment was in good standing. Since then, they have been under new management several times. Back in XXXX, I was moving into an Apartment who said that it was on my rental history and that I would not be able to move in until that was resolved. I called XXXX XXXX at that time and sorted it out and they sent an email to the Views at XXXX XXXX ( the new apartment I was moving into ) to let them know that it was a mistake and I didnt owe them anything. I was able to move into the new apartment because of that email. I didnt hear anything else about this and have lived in several places since XXXX. I didnt know it was an issue until I recently applied to a new place. Thats when I was alerted to this on my credit, stating I owe {$2500.00}. I called XXXXXXXX XXXX  again. They are under new management and the woman I spoke to claims my file is vaulted. She said they have limited notes to view on my file. The manager said they are unable to do anything regarding my dispute of their error. I spoke with Lb gray, the collection agency they are using. That was XX/XX/XXXX or XXXX. I let them know that I never received a letter. They said they mailed one out last summer. I definitely didnt receive it, though. I let them know that Im currently disputing this with the credit bureaus and they said they can not do anything to help me until that is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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 status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX XXXX Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
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 explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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:
Two of the three credit reporting agencies ( XXXX and XXXX ) still improperly show a debt in collection that I do not owe. I have attempted resolution with a prior complaint ( XXXX ) to no avail. 

In 2018 a " XXXX XXXX XXXX, XXXX '' placed a collection debt on my credit report -- I was never notified of it otherwise. As a result I contacted them to resolve -- I had no unpaid debts to my knowledge. At the time they just Identified Bank of the West ( BoW ) as the creditor to which I explained that I had recently resolved a bank error and there should be no negative records ( backed up by letters from the bank and a corrected XXXX credit report ). They gave me no more information and they refused to change the report. I then filed the first CFPB complaint ( above ). 

Only in the their written response to the CFPB complaint did they identify the debt as associated with a checking account at BoW ( at the time, joint with ex-wife ) that has long been closed. I had no known debt from any checking account anywhere. So I set out to research and find the source within BoW and to contact the local branch where the account was held to verify the activity. After four ( 4! ) years of communications and efforts they have never been able to identify any debts/fees owed by me to the bank nor any records of the account being delinquent. I, of course, offered to pay in full if that was the case. They have in fact stopped communicating on the matter. Email trails of communication with customer service person and bank manager attached. 

This XXXX XXXX XXXX debt is false and not mine. I was never notified by any entity within BoW -- despite extensive efforts on my part to research and find it -- of any debt or fees owed. I have tried for four years, from the banks central records to the local bank manager to find a record of the debt and have even offered to pay it if verified, all to no avail. 

This is not reflective of my credit worthiness ( the correct credit report XXXX has my XXXX XXXX at XXXX ). This record of delinquency should be removed from my XXXX and XXXX credit reports with no negative reporting immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions 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:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPTEDNELNET XXXX DEPT OF EDUCATION/NELN XXXXXXXX XXXX XXXX XXXXXXXX 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 2021-04-18
Company: JPMORGAN CHASE & CO.
State: HI
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:
JPMCB is reporting unvalidated negative information on my credit profile to the three major credit bureaus ( XXXX XXXX, & XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have contacted the company and emailed and called a supervisor named XXXX XXXX XXXX who refuses to respond. I sent him proof that the case was dismissed by the court and the company is refusing to stop collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
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:
I have never been late in any of my payments for the past 11 years. I made a payment but for some reason it did not reflect suddenly I get a 120 days late on my credit report. I paid off the entire loans. We are in COVID and working with a lender to save a XXXX XXXX XXXX and this incorrect information is ruining the chances of saving XXXX XXXX. I went ahead and paid them off so that I don't have to deal with this. It is COVID there is a pandemic and these predators are doing anything necessary to prevent you from moving ahead. I am 100 % sure that I made a payment in the beginning of XXXX yet it is not reflecting. Just please be a decent human being and don't destroy my life.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Someone has assumed my identity to apply and receive credit without my knowledge or consent. This has caused financial hardship to my credit profile

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