BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a letter addressed to my wife, XXXX XXXX XXXX on XX/XX/2022 from Chase Bank advising me that the account on which I am the primary account holder would be closed on XX/XX/2022 with no reason given. My wife is the joint accountholder on my acccount. 

I called XXXX customer service and spent about 2 hours speaking to 3 people, including a manager named " XXXX. '' I was treated fairly rudely by the last, who advised me that my problems were between me and the bank and he could not disclose any information about why my account was being closed. I asked him that if he is a representative of the bank he could not provide me with information, especially after I had proven my identity. XXXX was of no further help. 

If there is some kind of problem with fraud or some other issue and that is why XXXX is terminating my account, then I would like to know what these issues are. Unfortunately, CHase bank is completely uncooperative in this regard. I have gone so far as to do a XXXX audit on both myself and my wife and our records are pristine. Therefore, I'm not sure what CHase 's problem is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: SC
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:
Through non compliance, I have evidence that i have a self executing irrevocable power of attorney authorizing XXXXAlleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type. this account reporting is also a violation of hippa laws.

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 2023-07-25
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: Personal information incorrect

Complaint:
CFPB Complaint : XXXX is at 30 days today with no response from the company in regards to my certified document. XX/XX/2023, I received a letter from the Attorney General informing Experian they had 15 days to respond with their written statement into the merits of my statement. With silence from Experian, my affidavit stands as truth. This is a notice to Experian that I am moving forward to file a claim against the company for the continuous violation of my rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I requested debt validation on a debt that is reporting inaccurately on my credit report. 
LVNV FUNDING LLC/RESURGENT CAPITAL SERVICE account # XXXX**** I received a letter dated XX/XX/XXXX stating VERIFIED. 
XX/XX/XXXX I requested METHOD OF VALIDATION. I then received a statement. I did NOT request a verification, an old bill or an account summary. I requested debt validation ( proof that I owe the debt. I received a statement once again. 
XX/XX/XXXX I sent another letter certified which was received XX/XX/XXXX signed by XXXX XXXX. No response as of XX/XX/XXXX. 
XX/XX/XXXX I called XXXX, spoke with a " XXXX ''. Explained everything above. XXXX advised me to contact LVNV FUNDING directly. 
I tried calling LVNV but wasn't able to speak with a live agent. 
As a consumer Im furious that both the credit bureaus and this collection agency ( LVNV ) continues to stall me out. Im seeking immediate attention as it should be handled in a timely and accurate manner. 


I demand this inaccurate reporting be REMOVED/DELETED from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
Transunion got me messed up. I filed a copmplaint back on XX/XX/22 and they have not fixed the issue yet. There are hard unquiries on my file that were not authorized by me and an Identity Theft report has been filed which they ignored. My previous complaint was XXXX. They responded with a opt-out extended date reply which had nothing to do with why I contacted them. They are past the 30 day limit and keep just sending any response so the CFPB will close the account. According to Federal law the time frame has been passewd and the inquires need to be removed from my credit file. Hard inquires from INQUIRIES FROM - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that are on my credit file that I did not authorize. I have filed an Identity Theft Report. REMOVE IMMEDIATELY OR LITIGATION WILL BEGIN.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-25
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2023-06-02
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:
I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Despite my attempts, Experian has not responded to my request, and the following discrepancy remains unresolved. I kindly request your assistance in rectifying this issue and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : Experian has reported that my account with XXXX XXXX ( Account Number : XXXX, Date opened XX/XX/XXXX, Balance {$27000.00} ) was never late. However, I want to clarify that this account does not belong to me, and I request that Experian corrects this inaccurate information on my credit report. 

As a consumer, I believe Experian has an obligation to respect federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). In accordance with the FCRA, I kindly request that Experian promptly verifies the accuracy of the disputed account and provides me with a written response detailing the actions taken to resolve this matter.

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 2022-04-27
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice from XXXX XXXX, P.A claiming I owe a medical debt of {$5000.00}. I have never done busines with XXXX XXXX, P.A or have ever lived in the XXXX, TX. I have medical insurance and Tricare has confirmed that XXXX XXXX, XXXX. has never attempted to file any medical insurance claim. XXXX XXXX, XXXX. has been listed as knowingly filing fraudulent medical debt and has been sued recently as part of a class action law suit for this. Every attempt at contacting XXXX XXXX, XXXX. has resulted in no one answering the phone and only having a busy signal. This is impacting my credit score and XXXX XXXX, XXXX. has not responded to any communications to provide an itemized list of charges, the date of charges, attempts and dates of filing a medical insurance claim against my medical insurance and producing any records of bills including certified copies of when bills/notices were sent to me from the initial due date to when the alleged bill was past due. I do not believe they have followed any notice procedures or guidelines to notify me of any bills due as I have never received a bill from them and I have medical insurance if these charges are real. 

XXXX XXXX, XXXX. 
Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX They have XXXX XXXX XXXX XXXX XXXX to collect this debt XXXX File Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 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 non-monetary relief
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
University of XXXX continues to put this collection back on my account and I have NEVER BEEN ENROLLED IN XXXX  OR ATTENDED A CLASS.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: PA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-02
Company: Experian Information Solutions Inc.
State: TX
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 asked bureaus to do a thorough investigation of my credit files due to improper inaccuracies on my credit report. The credit bureaus responded back to me that they found no improper inaccuracies in my credit files. However, even after their investigation was completed I still found the same improper inaccuracies in my credit files. 

The account name is XXXX XXXX The account number is Account # XXXX And XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
15 U. S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction, or consent

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 2021-01-11
Company: C/C Financial
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased furniture from XXXX XXXX in XXXX XXXX XXXX, Florida. Which it cost {$1300.00}. I put down {$650.00} which only owing {$670.00}. I was at work the young lady did everything over the phone. I didnt sign Lease agreement. Which asked for proof of signature? They wouldnt evening send it to me. They have reported improper information to credit bureaus say I {$870.00}. One I dont owe that because the young lady said 90 days same as cash. Which I thought I was paying XXXX XXXX not Preferred Leasing. Not mention they reported I was late on XX/XX/XXXX when this account has been closed since XXXX of XXXX. Which I will upload all documents. Attached is the document that I received from XXXX XXXX no Lease Agreement. And highland all payments that have been made adding up to {$670.00}. I want this information to be removed and deleted from my credit file ASAP. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit Management has willfully and continuously violated my rights as a federally protected consumer, since the creation of this account on XX/XX/2022. This is a fraudulent account in which Midland used my personal information without my consent in order to extort a monetary benefit, claiming that I owe an alleged debt. It was not clearly and conspicuously disclosed to me that the alleged debt information may be communicated to 3rd parties and I was not given the opportunity, before the time that the information was initially communicated, so that I could direct such information NOT TO BE COMMUNICATED IN ANY WAY. 

Without my consent, Midland has been reporting this fraudulent account since XXXX of XXXX to XXXX, XXXX, and XXXX consumer reporting agencies, causing significant damage to my consumer credit file, ( see attachment ). I have been denied credit based on the reporting of this collection account on my consumer report, ( see attachment ). On XX/XX/2022 I sent Midland a debt validation letter that was received by an individual on XX/XX/2022, ( see attachment ). Midland failed to respond to the debt validation with the information requested and continued collection efforts during the 30 day dispute period. On XX/XX/2022, only a few days after receiving my dispute, Midland updated the collection balance, status, and failed to give notice on my XXXX consumer report that this account was disputed, ( see attachments ). This is considered communication and is prohibited during the 30 day period for validation. Midland failed to cease communication as instructed in the debt validation letter and continued to update the collection status to all 3 consumer reporting agencies on XX/XX/2022, ( see attachment ), and has failed to validate the debt or show reasonable evidence that I owe Midland Credit Management any alleged debt. I have never signed a contract with this company, had any goods or services provided to me by this company, and never given them access or permission to use my social security number or any other of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2021-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My late Aunt XXXX had a Checking & Savings at Bank America for decades. The bank statement she received for the last 25 years has showed my father as a joint signature & myself as a beneficiary. I have called multiple locations to try & get an appointment to close with my father present who is XXXX. Last Friday, I went in person to the XXXX MA office because I had not yet received a confirmation of my appointment- I was met by a banker & his manager who said although the statements read that way - there internal paperwork is unclear?? This is gross negligence! How would my late Aunt know there was a problem? She relied on the bank to look after her accounts - now in the moment of need due their errors- Im not able to complete the Wishes of my Aunt.

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 monetary relief
Consumer complaint received 2018-04-26
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XXXX, SC with a mortgage from Wells Fargo Home Mortgage on XX/XX/XXXX. I have an escrow account with Wells Fargo where monthly payments include funds for property taxes in XXXX County, SC. Also, an initial escrow payment for property taxes was paid at closing totaling {$2200.00}. According to the 1098 from Wells Fargo in XX/XX/XXXX I paid {$2600.00} into escrow with them for property taxes. The Wells Fargo mortgage statement of XX/XX/XXXX states that they dispersed {$2600.00} to XXXX County for property taxes. I received an Execution Notice dated XX/XX/XXXX from XXXX Countys Office of Delinquent Tax Collector for delinquent taxes, penalties, fees and costs ( {$3000.00} ) threatening tax sale if this amount was not paid, claiming my property tax for XX/XX/XXXX had not been paid. Following multiple attempts to get Wells Fargo to resolve this and explain, on XX/XX/XXXX I went to the XXXX County Treasurers office and they confirmed that my property taxes were never paid. I immediately paid the amount claimed to clear my name. Ive made numerous attempts since that date, including phone calls and online complaints, to get Wells Fargo to reimburse me without success. Initially they told me they would open a case to investigate and resolve the matter by XX/XX/XXXX. After complaining again that Id heard nothing, I was told the case was still open not resolved and needed until XX/XX/XXXX. I again requested an immediate explanation and reimbursement of the amount I had paid. Absent any timely satisfactory response or reimbursement as of this date, I am filing this complaint. requesting reimbursement of the {$3000.00} paid by me out of pocket plus interest.

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 monetary relief
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently reviewed my Experian credit report and noticed two fraudulent accounts were reinserted back on my credit report without being notified within five business days per FCRA Guidelines. I have talked so many representatives at Experian Fraud Department regarding documents that I have uploaded on www.experian.com/upload portal and they always say that my documents are illegible. The last time I talked to representative at Experian, I told him to submit a trouble ticket regarding Experian website that is not working properly because when I submit my documents, it always tells me that it was submitted and uploaded successfully, but when i call Experian, they tell me a different story.

Experian has violated by rights under FCRA 611 5 ( B ) ( ii ) ( A ) by reinserting deleted items without notifying me within five business days. I have also attached copy of my Experian report where they deleted these fraudulent items in the past as well as a copy of my police report and FTC ID Theft Report : 1.  XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX Account # : 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