BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2023 I mailed a letter to Experian demanding proper verification of their claimed debt that they have furnished on my credit report. Per certified mail receipt, they received this letter on XX/XX/2023. 

Experian has responded to me by citing Section 605B ( c ) ( 1 ) and Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act in an attempt to hide the fact that they have not responded properly to my demand that they fulfill their legal obligation. They are attempting to claim that this alleged debt is verified without having ever done any verification. They attempt to say that it is on the creditor to correct the information, but Experian is the one furnishing this information PUBLICLY and harming MY reputation. Which makes them LIABLE and obligated to legally validate their claims.

In the letter I demanded that they send me a sworn proof of verification affidavit to show how Experian is legally claiming that the account XXXX XXXX is in fact accurate, valid, and complete ( per 15 USC 1681e ( e ) ( 1 ) ).

Because I have never received from Experian any sworn statements, affidavit of truth with notary signature, or any statements under oath - there has been no verification made under U.S. Federal Law.

I have also demanded that they have a party identified by position and authority at Experian who has first-hand-knowledge of this matter swearing that I explicitly gave Experian written instruction to furnish the XXXX  account on my consumer credit report. I demanded that they state this under oath, with their wet ink signature and have a notary present, on the previously mentioned Proof of Verification Affidavit ( Pursuant to 15 U.S.C. 1681b ).

I also informed them that I require to witness the original wet-ink contract that I allegedly signed which created the alleged debt which Experian is furnishing on my credit report. ( Failure to produce the original contract agreement will be evidence of fraud in the claim that I owe any debt and that Experian is allowed by law to report on my credit report. ( Pursuant to UCC 3-302 ) ) I am only attempting to have the records corrected to what they rightfully should be legally and lawfully. Each phone call, online interaction, and mail piece are being documented for this purpose.

It would be advisable that Experian assure the records they are furnishing publicly on my consumer credit report are in order before I am forced to take legal action. ( Pursuant to 15 U.S. Code 1681n )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Bread Financial Holdings, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This is a spam call that is calling multiple times a day about fake debt and threatening legal action, etc ... they call around XXXX! I am TIRED of these FALSE accusations and I don't know how to get it stopped!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: GOLDMAN SACHS BANK USA
State: CO
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:
Disputed amount for {$240.00} due to being sold fraudulent tickets from XXXX and provided screenshots of the tickets, the issues that were supposed to be resolved by XXXX, and proof that the venue was unable to take the tickets. After multiple attempts to get this resolved, Goldman Sachs continued to side with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Medical Data Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime in XX/XX/2023, I realized a unknown collection account added to my credit report. XXXX XXXX XXXX is a collection agency I am unfamiliar with. Medical Data is the original creditor and I have never received a medical bill in my life yet alone been to the hospital. Someone has stolen my identity as well as put numerous unauthorized credit inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: General Motors Financial Company, 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:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letter for a allege debt of {$920.00} to debt collector XXXX XXXX on XX/XX/2023. They receive the dispute letter on XX/XX/2023, after receiving my letter they did not update the unknown account was being disputed within 5 business days per. 15 U.S. Code 1692g ( a ). Within in the 30 days for them conduct an investigation and they did not send me validation of the allege debt. I sent a fallow up letter on XX/XX/2023 they received the letter on XX/XX/2023, informing them they have failed to provide proof of validation within the allowed time that is governed by law to conduct an investigation and failed to provide the notice of disputed within the 5 days of receiving my letter. I requested them to cease communication and remove the erroneous account because failed to be in compliance with the law. I received a letter from XXXX XXXX on XX/XX/2023 that showed the allege debt amount {$920.00} and this is different from the amount that they are reporting I allege owe. This is a violation of 15 US Code 1692e ( 2 ) I sent a letter in detail to three major credit reporting agencies ( Transunion, XXXX, XXXX ) of the violations XXXX XXXX  conducted and requested the three major credit reporting agencies, Transunion, XXXX, XXXX to remove the account as well send me a copy of the investigation they conducted. I never received a copy of the investigation that was conducted. the erroneous account is still continuing to be reported on my consumer report.

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 2023-06-22
Company: Gurstel Law Firm, P.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is my DEMAND LETTER to Gurstel Law Firm P.C. and the attorneys at the Law Firm who have violated Fair Debt Collection Practices Act. Please see attachment for detail of list of attorneys and proof showing which federal violations they committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have stated multiple times with Navient that I am enrolled in school and continue to get 5-6 calls and e-mails per day from them. The harassment is out of control. When I have contacted them via email, I am harassed further to communicate only by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As of XX/XX/2022, and continuing, XXXX, Transunion, and XXXX have0 blocked me from accessing my credit report, and has also prevented me from removing the Credit Freeze and Fraud alert, and will not let me update my email associated with my account. Customer service over the phone, and letters sent to them have been in vain, and nothing has changed. It's been over several months and nothing I have done as a remedy to resolving this account lockout, and removing freezes and fraud alerts has been any success. 

I have spent hours upon hours on the phone with their customer support only to be told that they are unable to access my report and scores, and can not do any changes, or remove any freezes, or fraud alerts that are preventing me from accessing my reports and scores until I speak with a higher chain of command, and as of now, XXXX, XXXX, and Transunion do not have a phone contact list, or method of reaching their higher level of support, nor does it give you an option on which type of support you wish to receive from their customer service. 

All three credit reporting agencies have neglected me, and their customer service, and support mocks, and ridicules my situation of being unable to access my credit reports, or even accounts with these bureaus ' because they say I should stop wasting their time. I have attached what little evidence is needed for this, but it will show you the PDF screenshots with the source timestamp, and website link too for each bureau 's block of me accessing my account, and ongoing errors that have been hindering the financial well being of both myself, and the Business ', employers, etc. that I do business with from time to time, and it requires them being able to access my reports and scores with my permission. When I give them consent to do their screenings, and credit reviews for a financial account opening, it turns out denied for being unable to access it, or any bureaus reports and scores for 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 2023-05-05
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. Midland Credit Management claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with Midland Credit Management, I DID NOT ASK for it nor are they privy to contract with me. Midland Credit Management has been negatively reporting on my credit report for 4 YEARS, 11 MONTHS and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. Midland Credit Management only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to Midland Credit Management, they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE Midland Credit Management and original creditor anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I noticed that I wasnt able to get into my mobile app of my bank Citi Bank, around the last week of XXXX, estimated around the XXXX of XX/XX/2023. I called and a representative informed me that the dispute team department for some reason blocked my account but it doesnt say why. The representative had me on hold for almost an hour and he would check on me to keep me informed whats going on. 

The representative informed me that someone from the fraud team will give me a call in a couple of days. I didnt noticed a call on my end for a couple of days so I called and was told that my account will be closed. I asked why was my account closing and was inform by a different representative that he couldnt give me the information. I request to speak to a supervisor and the supervisor told me the same thing and mentioned about receiving a letter explaining why and hung up on me while in the middle of conversation. 

I received the letter in XX/XX/2023 but it didnt explain to me why my account was closing. I called on XX/XX/2023 and was informed by a different representative that I will be receiving another letter why my account was closing and the funds that was in my account will be be in a form of a check, which didnt make sense to me. 

Since the closing my account I have been struggling financially with paying my bills and this situation has caused me to be in a financial crisis.

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 2023-05-08
Company: EQUIFAX, INC.
State: IN
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize the credit inquiries listed below. Please remove them from my credit profile and credit report. 

Creditor Name : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/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 2022-08-05
Company: WELLS FARGO & COMPANY
State: IA
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:
Wells Fargo reported me for late payment in XXXX of XXXX. This was a surprise to me, because I had not used the card for the previous year. So, somebody had been making fraudulent charges on the account. I reported the fraudulent charges, and was told that they would be removed. Wells Fargo lied. And, they reported me again in XXXX of XXXX. I paid off the account by XXXX of XXXX. Even though the charges were not mine, I wanted to avoid further damage to my credit report. Wells Fargo has never removed the fraudulent charges. Wells Fargo had not sent me statements since XXXX of XXXX. This is the main reason why I stopped using the account. I finally received a statement in XXXX of XXXX, after many contacts with Wells Fargo. My bill was paid at least 5 months BEFORE it was ever received. This was an EARLY payment. Not a LATE payment.

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 2023-05-08
Company: Convergent Resources, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail a few days ago from Convergent Outsourcing , Inc. in regard to a debt collection of {$1400.00} that I do not owe. Due to the fact that I have no recollection of the said account that are referring to. I am an identity theft victim as of XXXX. I have a police report, and a FTC report, and my credit file reflects this status. 

I am going to be emailing the company at XXXX with this report attached, along with the police report and a cease and desist order. 

That any further reports on the credit, communication, etc will be automatically forwarded to my attorneys and their teams.

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 2023-06-20
Company: Chime Financial Inc
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/ Welcome to Chime email. ( I did not open an account ) XX/XX/ This is to inform you that the phone number associated with your Chime account has been updated to XXXX XXXX XXXX XXXX email. ( This is not my phone number ) XXXX Your card is on the way email. ( I did not request a card ) A dozen more emails through XX/XX/ when I complained about both the emails and the supposed account that I did not open. 
Emailed response : Send us your Social Security #. 
They also want a police report on identity theft. And in another email, they have asked for a picture of a government ID. 
NO WAY! 
These people have a rampant history of opening accounts without permission and sending out cards to people. They always refuse to do anything about it without Identity verification and usually require SSN and Driver 's Licenses, from what I have read of other people 's complaints all over the internet. 
I have notified the company that they are in error. I am NOT giving them ANY Personal Identifying information ; whatever they have- they obtained illegally. They are not trustworthy and I should not have to given them information they can harm me with. 
I don't believe my identity was stolen, unless it is stolen by Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hey I have been trying to get my access to my funds for days this bank has been holding my funds for no reason I have been calling and they have no explanation for why my funds are being withheld i have done everything to get this resolved can you please help 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 2022-07-12
Company: Social Finance, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened account on XX/XX/XXXX with a promotional bonus of up to {$300.00} if qualifying direct deposit of {$5000.00} was completed within 30 days. I completed the threshold on XX/XX/XXXX. Terms mention it would pay out after 14 days of evaluation was completed and it has not paid out. This morning XX/XX/XXXX i reached out to support and was told that i did not qualify due to a previous account direct deposit bonus. Nowhere in the terms does it say i would ineligible for this new account bonus but the representative assured me that i was not eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Greetings, This is in reference to several complaints that I filed against Wells Fargo to include the recent complaint filed under XXXX. 

I recently received an XX/XX/XXXXXXXX  dated letter from Wells Fargo stating " during a review of the account, we identified that when we considered the account for a deferral review, an issue occurred. '' Wells Fargo included with the dated letter a check for {$1700.00}. They also mentioned in the letter for any inconvenience this may have caused. 

Any inconvenience??? 

I lost my home because of Wells Fargo 's unethical, illegal, and discriminatory mortgage practices! 

I was proactive and reached out to Wells Fargo on several occasions PRIOR TO and DURING COVID for assistance. I repeatedly pleaded for Wells Fargo to offer me a loan modification and a refinance to keep my family home. 

Wells Fargo refused to help me, a 21-plus years XXXX XXXX and PERMANENTLY XXXX MILITARY VETERAN, because of the color of my skin! 

Instead, Wells Fargo initiated foreclosure proceedings on XX/XX/XXXX and ruined my credit rating. 

I was FORCED to sell my family home. It was a TREMENDOUS loss emotionally, physically, and financially. 

Wells Fargo kept making previous comments that they did not do anything wrong despite my many documented complaints about their mortgage practices. 

Wells Fargo harmed me and my family and is still harming me and my family by sending a check for {$1700.00} for what they call an inconvenience!!! 

This is extremely insulting and insensitive! 

My complaints ( and the plethora of complaints from others ) is well founded! 

The {$1700.00} is nowhere near the compensation that is due to me and my family for Wells Fargo 's deplorable actions! 

Furthermore, I have not received any other payment from Wells Fargo despite what is reflected in the XX/XX/XXXX dated letter. 

CFPB, I implore you to help me with 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