BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-02
Company: Columbia Recovery Group LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I received a letter from XXXX XXXX representing XXXX XXXX XXXX XXXX   ( apartments ) claiming there was a final charge of {$920.00}. There was no statement of charges, no receipts, no explanation of charges, and no proof of any charges owed. I emailed them several times and wrote to them for an explanation of charges and never received any response. Therefore, I turned the matter over to the Attorney General of Idaho, because they needed to contact me within 30 days of move-out to settle charges. The move-out date was XX/XX/XXXX. Therefore, 60 days had passed before contact breaking Idaho Code Section 6-321. They also never at any time informed me where my deposit went breaking Idaho Code Section 6-321 and Lease Section 42 of lease signed on XX/XX/XXXX for 10 months. After me contacting the Idaho Attorney General, XXXX XXXX sold the debt to out-of-state company Columbia Debt Recovery XXXX XXXX. I started receiving letters and phone calls from XXXX at Columbia Debt Recovery. ( included ) XXXX threatened to ruin my credit and turn me into all three credit bureaus if I didn't pay this debt. I asked him for the proof or a statement and he claimed he had proof but could not share it with me. He was calling 5-7 times per day. I finally told him that I did not wish to be contacted by phone anymore and only US Mail  under FDCPA and hung up. I disputed the charge with XXXX XXXX and was told it was for extra rent. I did not owe extra rent and everyone agreed on the Move-out date. ( included ) I received a notice on XX/XX/XXXX that my credit had dropped by 32 points and I checked and sure enough, Columbia Debt Recovery, XXXX XXXX has reported this debt to my credit as threatened by XXXX. Please review the included documentation. Idaho Code was broken multiple times and I have never received a straight answer from anyone what the debt is for after asking multiple times. Also, you can see the Move-Out Inspection notations were Excellent.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-30
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:
I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX. 

XXXX requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

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 2020-09-26
Company: Experian Information Solutions Inc.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received my credit score and credit report updated for the month of XX/XX/2020 with a 14 point drop. The credit reports I received explicitly mentioned that there was nothing justifying the drop. I submitted all my financial data to a financial analyst who confirmed my suspicion that it was a mistake. 
Whether the mistake was malicious or not we dont know. In one of the reports, something about my medical information, which surprisingly couldnt be disclosed to me but could be disclosed to credit agencies, was mentioned. If so, I demand the credit agency contact the source of this information since I am in a legal contention with them and they not I owe me money. 
This third party has retaliated in many forms, none legal, and I have been able to dodge their attacks. I demand the credit agency to fix my credit score. I worked very hard to reach the excellent credit score I  had and I do not intend to accept more corporate retaliation. 
This issue involves all three credit agencies : XXXX  Experian 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 2023-06-30
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-02-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my checking account on XX/XX/XXXX with a balance of {$530.00}. A check was suppose to be issued to my address. After a month 's time nothing arrived. I called telephone banking at XXXX on XX/XX/XXXX where the agent said another check would be issued. Nothing arrived again. 

On XX/XX/XXXX I visited the branch at XXXX XXXX, New York and spoke to a banker who reach out to branch support for help. I believe Branch support 's agent name was XXXX. He said they were unable to help and connected us to telephone banking. After one hour on the phone with telephone banking they were unable to locate the two checks that were sent out and asked us to check with branch support again. The telephone banker 's name was XXXX XXXX ( XXXX ). He checked with a supervisor who was unable to help or offer a resolution. 

Nobody at Chase is able to resolve this situation. I've sent a total of 3 hours trying to resolve it on my end. They are holding my money with no clear path on how to get it back. I'm hoping CFPB can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-30
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-12-18
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: IL
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent out a letter to Trans Union, XXXX and XXXX, notifying them that after checking my credit report there were several inaccuracies being reported of late payments. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days I sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.

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 2023-03-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On Thursday, XX/XX/XXXX, I walked into Wells Fargo Branch at XXXX XXXX XXXX. XXXX XXXX, CA XXXX, and I tried to cash my check issued from XXXX XXXX  w an option to be payable through Wells Fargo Bank. I advised the Bank Teller that I had verified with XXXX Customer Service and Wells Fargo Customer Service agents via their XXXX customer service number the day prior, XX/XX/XXXX, that this would be possible. I had spent XXXX hours on the telephone verifying and providing check details and amounts that this was possible. They informed me that they would need to verify the check, and I was ideally understanding of that process. They came back XXXX minutes later, telling me that the check review was verified for funds but that they are trying to figure out how to cash it for me. Another XXXX min later, the Branch Manager, XXXX XXXX XXXX, XXXX ID # XXXX, informed me that the agreement between Wells Fargo and XXXX XXXX  did not allow the amount of my check to be cashed. I asked her what the limits were and explained that I had called the day prior and planned and prepared for this, but no one explained that information or provided it. Another Manager walked up and stated with my check in hand that she could run the check, but it would show as processed. I asked if she would run it and process it ; I would need a guarantee of payment, and she couldn't provide me XXXX and yelled at me and said fine then. The Branch Manager, XXXX, then stated that she was not required to verify that information for me and continued to refuse to cash the check based on any other facts ; I then asked if we could call XXXX XXXX  to demonstrate what they had told me or if she could provide documented proof as to why they are refusing to cash my check. She said we are not required to help you, and you can leave now. After spending over an hour there providing my current driver 's License and Passport as identification after waiting and verifying proof of funds for the check, they did not want to process it based on allegations that could not be proven or provided. I believe this was like another instance of the banks refusing to give people their funds and abusing their power or pure discrimination, or I have been racially profiled because I am a XXXX Woman and was treated as if I shouldn't be entitled to my funds. 

My check was a settlement check and verified multiple times for {$80000.00}. I understand banks do not hold excess notes for issuance, but I also stated I was willing to take cash notes and a cashier 's check as they are all negotiable instruments and under the UCC laws that state such facts. 

I do not trust Wells Fargo, so I refuse to be cohered into opening an account and be subject to financial abuse versus cashing a 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 2020-12-19
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash app withdrew money from my bank account after I closed my cash app account. Someone fraudulently disputed money they sent me to send to someone else. These two people may have conspired to steal money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$2500.00} ; ( OriginalCreditor : XXXX XXXX ) 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 2020-12-19
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
credence resource management sent a letter to me stating I owed THEM money. after sending CRM a validation notice for them to prove i owe this alleged debt on or about XX/XX/2020 certified return receipt requested. by U.S.P.S I was ignored, now they won't stop calling me and my wife 's phone number and my computer phone number. I have saved all the calls from them and asked them repeatedly to stop calling. the harrasment continues on a daily basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX. 2020 they called me a total of 7 times back to back i have told them before that I would make them payment towards the end of the month and frequent calls throughout the day are not necessary or needed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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:
When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate.By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

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