BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-07
Company: WELLS FARGO & COMPANY
State: MD
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 initially had a mortgage loan with Wells Fargo, they did not report the mortgage loan ( {$270.00}, XXXX ). I went to closing on my townhouse on XX/XX/XXXX and my mortgage loan has yet to show on any credit bureau. The mortgage was transferred to XXXX Bank. I made two payments of {$1900.00} with Wells Fargo, and I believe these payments should have been reported to any of the Credit Bureaus. 

I went to the Wells Fargo Bank on XXXX XXXX, XXXX, MD and spoke with one of its bankers. He said that the mortgage of {$270.00}, XXXX should have been reported immediately. 

I faxed a letter to the Wells Fargo Mortgage Department, per instructions from the gentleman who helped me at Wells Fargo Bank, XXXX XXXX, XXXX, MD. 
I received a voice message today, from one XXXX XXXX, who stated that she would be my point of contact regarding the letter that I faxed. Her telephone number is XXXX ext. XXXX The individual who handled my mortgage loan was XXXX XXXX, XXXX. He is no longer with Wells Fargo, so I've been told. 

If someone could contact me, I will be able to give my Mortgage Loan #. At present I am at work and do not have that information with me.

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 2021-09-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Good evening, I will try to make this as short as possible ; taking out emotion and giving facts only. 

XX/XX/2021- my tenant writes a check for her rent. {$400.00} She banks with XXXX  XXXX XXXX XX/XX/2021- I mobile deposit the check in front of her and hand the check back to her for her records. 
We live at the same residence. Her being in control of the check, never being late or having prior issues, built trust to hand her back the check. She still deserves the trust. This issue is not a result of negligence Unbeknownst to her and ( and I ) the check was stolen. 
On XX/XX/2021 the same exact check, endorsed by me, was deposited into an account at JP Morgan Chase Bank. Fraudulently. 
My tenant noticed it right away and called her bank. 
XXXX  XXXX XXXX reversed the fraudulently cashed check. My check remained valid. 
On XXXX XXXX I received an email from my bank XXXX ( XXXX XXXX, XXXX ) stating that they had reversed the check that was deposited on XXXX. 
I called my roommate immediately to see if they stopped payment on the wrong check. 
She called XXXX  XXXX XXXX, confirmed they had not stopped payment nor received funds from my bank. 
I called my bank. Started a fraud claim. Stride took the money out of my account and sent it to Chase. 
My tenants account was never credited for my reversal, Chase Bank will not talk to me. Ive spent 3 hours on the phone, gone to the physical branch, and went to XXXX all to no avail. My bank points the finger at Chase. Chase points the finger at anyone else. XXXX XXXX XXXX has no idea whats going on. 
I know there is information about the thiefs account on the back of the check. There is a batch number, a branch location. I know they could figure this out- who stole the check, who deposited it, and where my money is. Thing is, no one will help me! 
Stride says contact the issuer. The issuer is showing the cleared check to me at stride. They reversed the Chase deposit. How did XXXX end up giving my money to Chase? Why wont anyone help me?! Ive filed a police report. Ive done everything I can in my power to fix this. I need intervention from someone with a stronger fist than me. I want to press charges. I want my money back. I need this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In accordance with the fair credit reporting act, 15 USC 1666b ( a ), A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted regional procedures designed to ensure that each periodic statement including the information required by section 1637 be of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. My rights were violated because I did not receive such notification

Company response to consumer: Closed with explanation
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:
Experian and XXXX are reporting an account that I paid off 100 percent as a charged off account! This is a MAJOR violation, and this is not legal whatsoever. I have tried numerous times to remedy this problem and you have come back and stated that this account was verified. How was this account verified when the data furnished from all 3 bureaus are incorrect and inconsistent with one another? If this account is not removed from my credit report, I will be filing a statement of claim against Experian and XXXX if this account is not removed from my credit report immediately. I am demanding that the following account be removed from my credit report : 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 2022-07-22
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2023-10-11
Company: Capital Alliance Financial, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Good Afternoon, My name is XXXX XXXX and I'm a Michigan resident. I want to file a complaint and federal charges against Michigan State IRS. I receive XXXX and I filed a renters rebate with XXXX XXXX in XX/XX/2023. The Representatives for Michigan IRS have been discriminating against me. Every time I call them they make XXXX comments and held up my refund. I filed in XX/XX/2023 and in XX/XX/2023 they informed me that an unknown entity was garnishing me refund. When I asked for a copy of the Garnishment they refused to mail me a copy. I called the court that issued the Garnishment approval. The clerk informed me that I did not have a court date for the approved garnishment or a notice of service. 

I don't know how the lawyers got a garnishment without a court date? I asked the clerk to provide the address where I should have been served a notice of Garnishment with the court date and she said there isn't one. I called the Michigan IRS back and they said the lawyers don't have to follow the steps to obtain a garnishment. I don't know how they knew I was receiving XXXX?? The refund is {$1600.00}. It's not about the money. It's about their XXXX practices and the mission to try and oppress me because I'm not XXXX. 


I want my refund. They have no right to steal. They engage in criminal practices in order to enforce their agenda to oppress people that look like me. They stalk my social media, emails, and text messages. They're so miserable and wicked. Can you release my refund. I have places to go and people to see. My number is XXXX. I think they put spy ware on my phone to listen to my conversations. They always want to know what I'm doing XXXX XXXX  days. It's so sad and pathetic. My patients is running low. I will look forward to a response and a resolution ASAP at your earliest convenience. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a attempted arbitration in the matter of LVNV AND XXXX XXXX. In which they have defaulted in the administrative process. No response or delay in not paying fees regarding administrative process hinder resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$4500.00} written off. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$1100.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$1300.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$360.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Synter Resource Group, LLC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I received 2 collections letters from either UPS or someone pretending to be XXXX regarding unpaid shipping invoices. 

I didn't recall shipping anything recently other than " free returns '' with XXXX, so I called XXXX to see what was happening. They claimed that I would never receive a bill for shipping a free return and if there was a charge it would go through XXXX. 

So, today I called the Customer Service number for XXXX and was talking to a gentleman who hung up on me when I asked for the specific details of the invoices. Then I called an 800 number on the collections letter and talked with a young man named XXXX, who told me that it was all a big mistake and that he was XXXX  out the account, but that he couldn't do anything about the collections company, Synter Resource Group, LLC who was initiating a collections action against me. 

I believe that this is a scam and that the invoices were false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 do not recognize how this account is reporting on my credit report, I don't recognize the account status, I don't recognize the account high balance nor do, I recognize the late payments associated with it everything reported here does not meet the FCRA. 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate 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 2019-02-06
Company: EQUIFAX, INC.
State: SC
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, GA XX/XX/2023 Midland Credit Management XXXX XXXX XXXX XXXX XXXX, California XXXX Subject : Cease and Desist Communication Pursuant to FDCPA, Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ) Dear Sir/Madam, I am writing to you in regards to the communication I have received from your company, Midland Credit Management XXXX regarding an alleged debt. This letter serves as a formal notice demanding that you immediately cease and desist all communication with me through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the natural person and consumer, via EMAIL ONLY, as outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ).

Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt.

According to my rights as a consumer under the FDCPA and pursuant to Title 15 USC 1692c ( c ) ( 2 ), I am entitled to request the following remedies : XXXX  out the balance of this account. 
Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was XXXX  out via email. 
Cease and desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XX/XX/2023. 
Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. 
I expect full compliance with this request within fifteen ( 15 ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. This may include filing a complaint with the appropriate regulatory agencies and seeking legal action against your company. 

Please be aware that any further communication from your company after receiving this letter will be considered a violation of the FDCPA and may be used as evidence in legal proceedings against Midland Credit Management. 

Kindly confirm in writing that you have received this cease and desist letter and have taken the necessary actions to halt all communication in relation to the alleged debt. Please note that any further contact or attempt to collect on this debt without providing proper validation or proof will be considered a violation of the FDCPA. 

Thank you for your immediate attention to this matter. I trust that you will respect my rights as a consumer and comply with this request. I look forward to receiving your written confirmation. 

Sincerely, XXXX XXXX XXXX XXXX and Consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
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:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a business checking account with Bank of America in which there is very little activity. The account was opened in XX/XX/XXXX. Based on the structure of the account ( minimum balance + business saving account ), I was never charged any sort of fee to have the account in place. That being said, in XX/XX/XXXX Bank of America started charging me a {$16.00} fee in my account due to not meeting the minimum balance in the account ( XXXX average balance ). I was NEVER notified of this change, when I discussed with Bank of America representatives ( late XXXX, XXXX ), they indicated that the minimum deposit was ALWAYS XXXX ( it was not, as I wasn't charged a fee for ~3+ years ). As I do not actively use the account, I wasn't aware I was being charged a fee until earlier this year. At that point in time I contacted Bank of America and they refunded me {$48.00} in fees ( 3 months, {$16.00} each month ). Since XX/XX/XXXX I have been charged a total of {$400.00} in fees from the Bank, despite NEVER being notified of the change. It feels absolutely predatory in nature. I have more than ample funds in other accounts with the institution where I could shift funds around to avoid the fees, but, again, I was never made aware. I have been a customer with Bank of America for 20+ years and was an employee with the company for close to 10. This is simply not how you conduct business. If I can not get this corrected I will move my funds to another institution. I currently am employed by a competitor yet I have kept my funds with BAC. When I contacted BAC, I couldn't believe a representative was unable to tell me the specifics of when I started getting charged fees ( they claimed to have minimal history ) nor when the fee structure changed ( they claimed it never changed ). I had to spend time doing my own due diligence by sorting through years of monthly statements to ascertain the exact time in which the fees started and the totality of the fees charged. I look forward to bringing this issue to resolution and fully expect to be refunded the fees charged, in full, due to the lack of correspondence by Bank of America to make me aware that the minimum deposit balance had changed. I hope to hear from you soon regarding this matter. Thank you.

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 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I XXXX XXXX had a Capital One limit of {$3200.00}. I been subject to a fraudulent operation on which a Third Party XXXX XXXXXXXX XXXX XXXXXXXX XXXX, contracted me and made me purchase products using my capital one credit card without being reimbursed totally. 
During this fraudulent operation, XXXX XXXXXXXX XXXX XXXXXXXX XXXX made me purchase goods in excess of {$10000.00} with only partial reimbursement of {$5500.00}. 
Capital increased the credit limit without any warning to make aware me of the fraudulent operation. thus allowing account balance to exceed limit. Mi original credit limit is {$3200.00} Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
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 have tried over and over submitting and sending these documents for this dispute please help sending this over as its been very frustrating. I will be getting my attorney involved.

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