BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2019. I have read enough to understand my rights. The Experian Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
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 2018-04-10
Company: JPMORGAN CHASE & CO.
State: MD
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 was interested in tickets to a XXXX  XXXX basketball game. I searched on line on XX/XX/17 and found 2 tickets that I was interested in for {$160.00}. I provided my credit card information to the seller and discovered that the tickets were available only electronically. This was not suitable since the tickets were a XXXX gift. I then declined the tickets. I have an email from the vendor stating " You have declined the ticket ( s ) offered by XXXX XXXX. This offer is no longer valid ''. I was surprised to see that I was charged {$160.00} when I received my credit card bill. I disputed the charge with the bank and my claim was denied. I appealed to the bank and my claim was again denied. The bank states that " we can't confirm you're due a credit because the merchant has no record of you cancelling the request within policy guidelines ''. The merchant 's policy is that orders can not be cancelled. I contend that the offer for tickets was declined, so that there was no order to be cancelled. I spoke by telephone with the bank, and their supervisor explains that the bank can not refund the {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: WELLS FARGO & COMPANY
State: CA
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 am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to WELLS FARGO CARD SERVICES XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

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 2018-05-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
hi I was part of customers who had accounts opened without me knowing and as a result I got charged close to {$150.00} worth of fees for 2 years and half well my complaint was submitted and wells fargo attempted to settle the matter through the mediation but during mediation process the mediator didn t give me a chance to resolve the problem in my favor but decided to side with wells fargo because they are paying and hired by wells fargo so it was a big set up from the beginning

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 2022-12-20
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello! A company called CCS on behalf of XXXX XXXX in XXXX, MA. placed a collection in the amount of XXXX on all three credit bureaus. Their phone number is ( XXXX ) XXXX. 
I've completed a dispute a fraud alert for all three credit bureaus. In addition, I've contacted XXXX fraud department and are in the process of sending them the fraud claim paperwork attached with the information from this fraudulent company. XXXX has stated to me that I don't own them any money, and have been a customer for over 10 years in excellent standing. They will be conducting an investigation as well, because this collection agency does not represent them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received a collection notice as to a XXXX credit card to which I never owned. It is not on any of my credit reports with XXXX XXXX or XXXX ... .. they are saying the balance is {$1000.00}. 


I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Westlake Services, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Concerns Regarding My Recent Experience with American Car Center and Westlake Portfolio Dear Sir/Madam, I hope this message finds you well. Approximately two years ago, I made the decision to purchase a vehicle from American Car Center, and throughout this period, I have diligently upheld my financial commitments, ensuring that all payments were made promptly and taking great care of the vehicle in question. 

However, in XX/XX/2023, I was taken aback by the sudden and unanticipated news that American Car Center had filed for bankruptcy. In my earnest efforts to seek clarification and resolve this matter, I attempted to establish contact with the company, only to discover that their phone lines and email channels had become non-operational, presumably due to the closure of their business. 

It was only through a chance encounter on XXXX that I learned of the acquisition of outstanding debts by Westlake Portfolio. Determined to address this issue responsibly, I promptly reached out to Westlake Portfolio to ascertain the status of my account. Regrettably, my initial correspondence yielded no results, as they were unable to locate my information in their records. 

Subsequently, I began receiving calls from Westlake Portfolio asserting that I owed them the original purchase price, an amount exceeding {$25000.00}. In light of this unexpected demand, I took it upon myself to request a copy of my contractual agreement as a means of verifying the validity of this claim. I believe it is only fair and reasonable to request such documentation, particularly considering that I never entered into any contractual agreement with Westlake Portfolio.

To my dismay, Westlake Portfolio failed to fulfill my request for a copy of the contract. Instead, I was shocked to discover that they had initiated the repossession of the vehicle in question. This action is both perplexing and unjustifiable, as I maintain that I do not owe any debt to Westlake Portfolio. 

In light of these circumstances, I feel compelled to express my deep concern and dissatisfaction regarding the handling of my account and the absence of transparency throughout this process. It is my sincere hope that this matter can be resolved promptly and fairly, with the provision of the necessary documentation to validate any claims against me. 

I kindly request that you address this matter with the utmost urgency, as the actions taken by Westlake Portfolio have caused me undue distress and inconvenience. I believe in the importance of a fair and just resolution to this issue and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CMRE Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CMRE financial Services keeps posting a debt on all my credit reports. I will get them removed because they can not be validated and they put them on again. 

I have no idea what this debt is. And now when I try to get dispute the debt again, it will bot let me, even though it was already removed. This is not be debt and if it was already removed, it should not be constantly put back on my credit report. 

XXXX : : CMRE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: OH
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 account is reporting as a Charge-Off with a Balance, and no Last Date of Activity, which is a violation please delete. 

XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 account is reporting as a Charge-Off with a Balance, and no Last Date of Activity, which is a violation please delete. 

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 2018-05-12
Company: Resurgent Capital Services L.P.
State: TX
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 has placed false reports on my XXXX   credit report. XXXX XXXX XXXX has placed bought a debt from XXXX XXXX XXXX XXXX XXXX and is attempting to collect the debt from me by making false claims on my report. I never opened an account with XXXX XXXX XXXX XXXX XXXX or made charges using a credit card from XXXX XXXXXXXX XXXX  XXXX, the original owner of this debt. Ive contacted XXXX XXXX XXXX   and explained the situation but they respond by saying my dispute is false. I explained that Ive made several attempts to contact XXXX XXXX XXXX XXXX XXXX but they will not call me back nor answer my calls. I've left messages with XXXX XXXX XXXX XXXX XXXX trying to explain that this is a fraudulent account and asked for them to please contact me. I have never signed any application or made an attempt to open an account with XXXX XXXX XXXX XXXX XXXX I ask for XXXX XXXX XXXX to remove the fraudulent clams against me on my credit report with all three credit score reporting agencies until an investigation can be made to  determine where these charges came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear CFPB, I am writing to request the immediate removal of credit accounts associated with XXXX  account # XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ).

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.

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 2023-08-23
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, 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 previously filed complaint # XXXX. Thus far XXXX still has not corrected the incident and as a result I have continued to be denied for everything that I applied and my limits are now being reduced as a result of this. I was in the XXXX XXXX area and I was declined for the XXXX loan and the emergency bridge loan as a result of this. I received a letter stating that they would take care of this issue and it still has not been corrected. Also in the response they sent back to you they mad it seem as this was my fault when all I wanted was for the minimum payment to be taken out of the my account. They made the mistake to pay a set amount. In the response XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated I signed a authorization. I was not even in the state, I called to do this. I feel that this issue is about them having power and not doing the right thing. I would like to be sure that they do not treat anyone else like this and they all must be stopped and should not be able to work at any bank helping people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 2020-08-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2020 XXXX XXXX XXXX fraudulently filed : 1 ) False Police Report ( attached ) alleging bank fraud on my ( XXXX XXXX ' ) part ; 2 ) Fraudulently REVERSED all CREDIT card payments made from our joint account ( s ) and authorized payment accounts to my creditors for the entire year and in some cases, beyond one ( 1 ) year of payments ; 3 ) XXXX confessed to the above crimes in an OFFICIAL SWORN STATEMENT by and through XXXX  XXXX XXXX ( the bank that completed fraudulent reversals of payments after fraudulent claims were made by XXXX ). The sworn statement was NOTARIZED by two ( 2 ) FDIC officials and bank manager on site ( see attached ). 

Due to XXXX XXXX 's crimes ( above ), his additional XXXX  acts include XXXX XXXXXXXX, a conviction of same, and the reason I was confidentially relocated, forced to return my vehicle ( fear of additional XXXX/XXXX  ), and I was UNAWARE of all of the financial fraud in addition to vehicle payment and return. 

Despite numerous disputes with SYNCHRONY BANK, they continue to sabotage my credit report, cause grave financial and ongoing harm to my detriment. 

Under every clause contained in the FCRA, they are in FULL violation of my rights. 

Please help! 
Respectfully, XXXX  Offender : XXXX XXXX, XXXX XXXX FLORIDA XXXX v XXXX ( XXXXXXXX XXXX, XXXX, Florida ) contains partial documents ; remaining documents ALSO furnished to above creditor. 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 explanation
Consumer complaint received 2018-07-03
Company: SUNTRUST BANKS, INC.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After a long period of unemployment, I missed a couple mortgage payments. I'm trying to stop from getting any further behind, but Suntrust is not giving me any mechanism at all to make a payment, directing me to a phone line with nobody answering it. I'm trying to give them money and they are trying to make it difficult, presumably so they can try and take my house.

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 2023-07-18
Company: EQUIFAX, INC.
State: NV
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 my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to a quick correction of the following items. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation