BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: IL
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE FTC PDF DOCUMENT HAS BEEN UPLOADED TO TARGET ALL OF THE ACCOUNTS THAT WERE UNDER FRAUD. I CLAIM NO LIABILITY ON ALL ADVERSE ACCOUNTS I HAVE LISTED ON THE DOCUMENTS ATTACHED

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 2021-07-11
Company: Stern Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act, the Fair Debt Collections Practices Act and HIPAA compliance laws, I am filing this complaint against STERN RECOVERY SERVICES because of a invalided debt that was placed on my credit reports without due process ... .process to include, Notifying me of their attempt to collect on a debt that I have no knowledge of and they never sent me a letter or notice, they just placed this bad debt on my credit report.

Based on the above mentioned Federal laws they are clearly in violation of my rights as a consumer. The alleged debt amount that they are attempting to collect on is {$110.00} the original credit is XXXX-XXXX  XXXX. 

As a XXXX  on the XXXX XXXX XXXX XXXX each and everyday I find it insulting for this agency to use deceptive strong armed tactics in an attempt to ruin my credit rating. I am truly aware of my rights under the HIPAA and they have clearly been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: BARCLAYS BANK DELAWARE
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called me 47 times in the last 24 days. Most calls are 2 times a day and including weekends. We are currently working with a debt relief program and the program has already been in contact with Barclays to resolve our account yet they continue to call twice a day or more everyday.

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 2023-06-14
Company: Global Processing Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX at approximately XXXX, a man called from XXXX to tell me that he was offering me a settlement on a loan. I called him back and asked who the loan was from and when, but he just said it was " a personal installment loan company '', then kept reading some kind of script. He initially sounded like said he was with XXXX XXXX XXXX and that Global Processing Services him enlisted to mediate a settlement in the amount of {$370.00} plus a {$13.00} processing fee. I asked for documentation. He said that in XXXX, they sent a letter to me at an address I haven't lived at, in a state I haven't lived in, since XXXX. He said it was charged off in XXXX. He said if it went to court it my wages would be garnished, so give him a credit card today for the {$370.00} and that since the creditor sent the letter to the wrong address, he would waive the {$13.00} fee. I told him I had to wait until XXXX, and he said he had to take a card number but settled for the last four digits ( which I will be getting another card now ). He put me on hold for some kind of verifier to talk to me. During that time, I called XXXX XXXX 's office from a different phone and the receptionist stated that I was not in their system for any mediation, then the verifier got on the phone and stated his name is XXXX XXXX, I asked the receptionist if he worked there, and she said no and not to give them any more information. I told the man that I didn't believe that they were legit and hung up. XXXX called me right back from XXXX saying he got a message that I ended the call ( but he called way too quickly to have gotten a message ) and I told him about my call. He then said he was XXXX XXXX and that he was with Global Processing Services. I asked him for a verification letter to be sent to me, he said I couldn't have it until I paid. He said he did an NCIC search on me ( yet they still had a XXXX XXXX XXXX address for me ). Then he said since they sent me a letter ( to a very old address, my address is current on my CRs ) and I refused to cooperate, now {$1800.00} will be put on my credit and that I can either dispute it, pay it, or have my wages garnished. I told him if the debt is legitimately mine then I want to pay it, but I need to see the docs. He screamed at me " do you want to do this or not ''. I told him he could speak with a bully voice all he wanted but I have a right to see the letter. He said something and hung up on me. XXXX XXXX XXXX XXXX 's live chat agent stated that they believe this company to be a scam and suggested that I report this to Consumer Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reporting 3 different dates account open stating account is accurate when its clearly inaccurate. XXXX reports date open XXXX. XXXX reports date open XXXX. Equifax states date open XXXX. How can these all be verified as accurate on the same account and all the open dates are different? All CRAs are clearly reporting inaccurate information and have not removed this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: T.S. Holdings
State: MO
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called to find out my balance owed to a former landlord. I explained that I paid the landlord and was given my check back. I was told that if I could not afford to pay anything today, I have no choice but to pay the full amount and I would be sued. The man started talking down to me and I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Several overdraft fees between XXXX with Wells Fargo

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: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Good Morning This morning, at approximately XXXXXXXX XXXX XXXX, I spoke on the telephone with XXXX XXXX XXXX XXXX XXXX Bank of America XXXX Escalation Department and I was informed that on or about XX/XX/2020, XXXX, someone from the Bank of America , Escalation Department XXXX named XXXX made a false report and reported me to the XXXX XXXX  division. However, I am also told that I will remain on the XXXX XXXX list. 
It is clear that Bank of America has no legal intentions of investigating this matter, to insure that proper measures and matters were handled professionally. 
I am asking to speak with XXXX XXXX XXXX XXXX directly in order to assure that these orders are coming directly from the CEO of Bank of America.

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 2022-02-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I want JP Morgan Chase to buy back my mortgage from the third-party predatory lending system. In XXXX after receiving substantial government funding subsidies from the XXXX housing downturn under Obama, Chase Bank breached my trial modification contract. This unexpected and unwarranted breach-of-contract caused me an irreparable housing hardship still adversely experienced today. I have not recovered from the harm Chase Bank caused by bundling my mortgage, probably for pennies on the dollar, and selling to the highest corrupt corporate land-grab bidder. I made every payment on time per the terms of the contract for over 2 years in hopes of gaining permanent modification status for the agreed-upon {$1400.00} monthly payment. Id like to discuss reinstatement of the rescinded trial-modification contract terms. Better yet, right this wrong and write off my mortgage as a gesture of atonement for this inhumane housing-insecurity transgression. 

I spoke with a Chase Bank representative in XX/XX/XXXX to give them an opportunity to resolve the issue. Chase Bank executive team member XXXX XXXX about my grievance and I have been asking Chase Bank representatives to please provide me with data regarding how many modification contracts they breached during the XXXX housing crisis. Chase Bank representatives refuse to provide me with the requested data on breached contracts. Chase Bank representatives say that they conducted an internal investigation based on my claims of discriminatory banking practices, and they say that no discrimination was discovered during the internal investigation. 

This is why I am calling for data to be provided from Chase Bank that shows the number of XXXX homeowners that had their trial modifications breached by Chase Bank. Chase Bank has pledged 30 XXXX in funding to provide to POC communities for new home loans, but they refuse to do anything to make restitution to the homeowners whose modification contracts were breached even though Chase received billions if not trillions in federal bailout funding to help distressed homeowners. 

Why is Chase bank being allowed to get away with breaching modification contracts and why do they not have to provide data that shows XXXX people were not targeted for discrimination. Chase Bank 's actions are criminal and they should be held accountable to the homeowners that they harmed before rolling out programs to help future buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 submitting another CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my updated credit report and was shocked to find that there are still several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit 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 2021-07-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have good reason to believe that Wells Fargo is fraudulently double charging me for a payment I made on XX/XX/2021 The dispute stems from a fraudulent balance transfer charge to my lost credit card. I have attached supporting documentation in the form of my two last credit card statements, a pdf of my card running balance as of XX/XX/2021 and a downloaded account activity spreadsheet ( from Wells Fargo ). I have tried repeatedly to settle this with Wells Fargo ; I have spoken to Wells Fargo on the phone three different times and I had an in-person meeting at the local Wells Fargo branch at XXXX XXXX XXXX, XXXX, PA XXXX. I dont know if this is an innocent error they have made or a purposeful attempt to commit fraud. In any event everyone I have spoken to at Wells Fargo is using the same distort logic to charge me a second time for a payment I have already made. 

The story begins as follows. On XX/XX/2021 I misplaced my Wells Fargo credit card # XXXX. I called them the next day and reported the lost card. They said they would close the account and send me a replacement. On the day I lost my card the balance on the card was {$2700.00}. Wells Fargo did not actually close this credit card account on XX/XX/2021 as they claim, they merely renamed it # XXXX. This renamed account # XXXX had all the previous charges of account # XXXXfrom XX/XX/2021 XXXX the current billing cycle at that time ). On XX/XX/2021 they added a charge to the account and called it a balance transfer. This fraudulent balance charge was for {$2200.00}. This {$2200.00} charge was identical to the payment I made on XX/XX/2021 for the previous months balance. Now my balance jumps from {$2700.00} to {$5000.00}, because of the fraudulent charge of {$2200.00}, which I had already paid on XX/XX/2021. Please see the attached pdf file labeled XXXX Card XXXX Running Balance XX/XX/XXXX I have exhausted all my options with Wells Fargo. They told me ; they are right and I am wrong and that I have pay the fraudulent charges. Please look into this matter and advise 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 non-monetary relief
Consumer complaint received 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX stole my identity information and used it to open credit cards and get an apartment using my social and name. He did it all online. Police report made and submitted to all creditors he opened fraudulent accounts with 2 removed all fraud information from my reports. XXXX XXXX XXXX refuses to remove even after being contacted by the Sheriff 's office confirming identity theft by XXXX XXXX. XXXX XXXX produced bank statements in a lawsuit showing that he used his account to pay for the cards that he fraudulently opened in my name. XXXX XXXX XXXX and XXXX also refused to remove the fraud information from my credit reports trying to collect a judgment that I have no knowledge of for a property I have never lived at. I have produced the proof to them of the fraud numerous times showing XXXX XXXX and his girlfriend XXXX XXXX stole and used my personal identity information online. I have demanded prosecution of XXXX XXXX provided his addresses social and date of birth and agreed to fully cooperate in his prosecution but they reuse to do anything and refuse to remove from my credit report. I have never been served any documents for any of these creditors and they have assisted XXXX XXXX in destroying my perfect credit. I am a highly decorated XXXX XXXX and I demanding justice.

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