BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-12
Company: Green & Sons Agency, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to file a complaint against Debt Collector ( Outsource Receivables Management ) and Merchant ( XXXXXXXX XXXX XXXX  ) for making false statements and representations because ( 1 ) I do not owe Merchant anything, and ( 2 ) the amount the Debt Collector claims I owe does not align with Merchants false claims. 

MERCHANT : Merchant is a licensee of XXXX car rental company. As further discussed in Attachment A, I rented a car and prepaid for the vehicle in full through XXXX. When I picked up the vehicle, I initialed the contract twice to acknowledge that I declined the fuel purchase option ( Attachment A, Exhibit 3 [ Merchants copy of the contract ] and Exhibit 4 [ the copy of the contract that Merchant provided me ] ). Also, at the time of pick-up, the contract provided to me stated the return time for the vehicle was XX/XX/XXXX, at XXXX XXXX. ( Id. ) In reliance on the contract 's terms, I returned the vehicle with a full tank of gas an hour earlier than it was due, on XX/XX/XXXX, at XXXX XXXX  ( Attachment A, Exhibit 5 [ return receipt showing I returned the vehicle with a full tank of fuel on XX/XX/XXXX, at XXXX XXXX  ] ). Therefore, I avoided additional charges beyond what I had already prepaid for the vehicle. 

However, on the return receipt, Merchant falsely claimed and charged my credit card for the fuel purchase option and an additional hour.

I attempted to contact Merchant to resolve the dispute. ( Attachment A, Exhibits 6-8 [ call logs and emails of my attempts to contact Merchant ] ). Merchant refused to look at the contract and yelled at me over the phone. ( Attachment A at pp. 5-7. ) XXXXXXXX XXXX XXXX  DISPUTE : Because the Merchant was uncooperative and yelled at me, I sought relief by disputing the charge through my credit card company. Attachment A is the letter and exhibits I sent XXXX to support my dispute. 

On XX/XX/XXXX, XXXX notified me that they had resolved the dispute in my favor and gave me permanent credit for the erroneous Merchant charge. ( Attachment B. ) DEBT COLLECTOR : On XX/XX/XXXX, I received the letter in Attachment C. The letter falsely claims that payment on [ my ] account is overdue to Merchant for {$100.00}.

As described above, I do not owe Merchant. Moreover, the amount Merchant erroneously charged me was {$74.00} ; now Debt Collector falsely claims I owe 140 % more. 

RELIEF REQUESTED : Merchant and Debt Collector need to immediately cease and desist making false claims and representations because I do not owe Merchant anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i sent the XXXX XXXX XXXX letters requesting that they show proof that I opened the account and the response I got was a judgement against me that i had absolutely no knowledge about. I was not served nor notified of such. and its not even my dept. I believe someone acted as me or used part of my identity to get the account. not sure how it happened but it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2023-12-10
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Greetings CFPB! 
This complaint is in regards to Chase Checking Acct. ending in XXXX. 

Chase charged $ 12 monthly fees in XXXX and XXXX when the balance was at {$1500.00} on XXXX XXXX ( per the Bank 's required minimum balance to not have monthly fees ). 

I made an in person deposit specifically to meet the bank 's requirement, asking the teller for the correct amount on XXXX XXXX. XXXX made in that exact amount to arrive at {$1500.00}. 

Yet, Chase subtracted {$12.00} fee on XXXX XXXX and again in XXXX. 

Once I complained they credited back XXXX of these charges. 

I believe I am owed an additional credit of {$12.00} USD. I wrote this to Chase. 

However, I also would like an additional {$12.00} for my time wasted which is not the actual value of my wasted time as a lawyer, however if each time they are assessed micro fines, perhaps this conduct will become less remunerative for Chase. 

Thanks for your assistance. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit 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:
My card was lost and unauthorized purchases were made with my Wells Fargo card. 

I called Wells Fargo to dispute the charge they gave me credit while they did there investigation and days later denied my dispute and took my money out my account The amount of {$3300.00} dollars were taken from me on the date XX/XX/2023 I kept trying to dispute the charges with Wells Fargo but they denied me every time

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 2023-12-10
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-05-02
Company: EQUIFAX, INC.
State: LA
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 inquiry does not belong to me and appears to be fraudulent. I have no knowledge of these inquiries and request that you take immediate action to address this issue. I have attached relevant documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-11-10
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX, XXXX and XXXX XXXX  my account had money deposited and within an hour of the deposit being made money started disappearing and US Bank informed me thats how their system is set up Really and thats how people end up over drafting their account because you take the money out and sometimes put it back in after a transaction or you just take the money I am missing within 3 days US Bank took an extra {$100.00} that wasnt for any pending transactions XX/XX/XXXX my balance was XXXX and it went to XXXX and an hour later XXXX. XX/XX/XXXX my balance was XXXX and went to XXXX mind you I had XXXX sent to my account the evening of the XXXX. XX/XX/XXXX my balance was XXXX and they allowed a transaction to occur with my card locked as well and it went to XXXX and back to XXXX. XX/XX/XXXX I had my direct deposit which was XXXX added to XXXX should have been XXXX instead my balance was XXXX after I paid XXXX for a transaction THIS NEEDS TO BE FIXED I have screenshots to prove it

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 2022-11-12
Company: EQUIFAX, INC.
State: CO
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX PREAKNESS XXXX XXXX, CO XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXXccount Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I transferred XXXX on XXXX/XXXX/XX/XX/XXXX At XXXX pm to XXXX account XXXX and XXXX told Goldman Sachs USA that they did not see it, with me on the same line. They then said I didnt have it after they got caught and I said yes I did I told them my balance and he then agreed and hung up on me. They told me they sent the transfer and then stole it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, 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, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 have violated my rights.

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A States consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information other than records of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: CITIBANK, N.A.
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:
MACY CREDIT DEPARTMENT, I tried for the last year to dispute account that doesnt belong to me, I even called them and paid them the balance of this unknown account, I got very frustrated because this account that doesnt belongs to me was hurting me, and my credit report, .Can you please ask the for proof and to delete this account off my credit report.thanks

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 2022-11-12
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 ordered a copy of my report in XXXX  dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 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. Please check the payment history, date open, last activity, and Status of the following account which I believe was reported in error. 

XXXX XXXX XXXXXXXX Balance : {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
This was cancelled debt and is accurately being reported per 15 usc 1681e ( b ). I filed a dispute and it is still reporting to all three bureaus. 

XXXX XXXX Credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Mountain Land Collections, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mountain Land Collections is reporting an account on my credit that I would like removed. I have paid on this account however, it continues to report on my file and affect my score. I ask that mountain land collections remove this account from my file. I am aware that they can report to the bureaus as they deem necessary. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have filed no less than four ( 4 ) disputes pertaining to the above-referenced accounts held by the XXXX XXXX XXXX XXXX XXXX XXXX hereinafter XXXX XXXX XXXX ) and the XXXX ( hereinafter XXXX ). TransUnion refuses to conduct an reasonable investigation so as to have this inaccurate information removed from my credit file. Originally, there were XXXX XXXX XXXX XXXX of these accounts reflected in my credit file. After filing a Sworn Fraud Statement of Dispute and providing documentary evidence in support thereof, TransUnion removed XXXX XXXX XXXX XXXX accounts ( i.e. XXXX, XXXX, and XXXX ) and left the remaining XXXX XXXX XXXX ) that I am currently disputing. I have demonstrated to TransUnion that the XXXX, XXXX and the XXXX, has provided false and fraudulent information in stating that, " client agreed to pay for XXXX for legal representation, '' in absence of verification of a verbal and/or written agreement/understanding. After I disputed said accounts based upon a lack of an agreement/understanding between the XXXX and I to pay for legal representation, the XXXX and the XXXX, XXXX then submitted an altered/modified document other than what was previously submitted for verification dated XXXX/XXXX/2016 reflecting, " ... did not have to sign anything in order to receive services. '' This was brought to the attention of TransUnion and yet they allow the XXXX XXXX XXXX XXXX remaining accounts to be reflected in my credit file after they deleted XXXX XXXX XXXX ) by the same account holder who is using the same exact verification and altered documentation. As recently as XXXX/XXXX/2016, I wrote TransUnion seeking to resolve this matter citing how failing to conduct a reasonable investigation violates my rights under the FCRA and that I am and have been adversely affected by having these accounts reflected in my credit file. When I spoke to a TransUnion representative via phone as a follow up to my letter to see how they were seeking to address the matter I was informed that they would not be removing the remaining accounts unless the XXXX XXXX XXXX and the XXXX asked them to and that I should be receiving information in the mail reflecting such.

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 2018-08-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am one who filed for loan modifications with Wells Fargo. Due to injuries sustained in a XXXX automobile accident, I was unable to make mortgage payments beginning In XX/XX/2015. From that point untilXX/XX/2017 when I was forced to sell my home of 20 years well under market value in order to avoid foreclosure, I was in constant communication with Wells Fargo and even asked how much earnings I needed per month in order to qualify for the modification. XXXX XXXX, the loan specialist assigned at the time stated, as much as you possibly can, while refusing all requests for a specific answer to my query. Since selling the property I have had tremendous difficulty, having moved 3 times in the past year, completely destroying cherished belongings and relationships along the way.

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