BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: CONRAD CREDIT CORPORATION
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: Account information incorrect

Complaint:
Three ( 3 ) different companies, CONRAD CREDIT CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX with same Account No. XXXX on the 3 consumer reports have voilated my right, 15 U.S. Code 1692g failed to respond to request to validate the debt and provide proof of claim within 30 days of notification 15 U.S. Code 1681s2 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. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1692k - Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I have written to all three companies for debt validation but none has responded to me despite they were informed to cease and desist all collection reporting activities on my credit report. 
CONRAD CREDIT CORPORATION AND XXXX XXXX XXXX still reporting under 3 different names on XXXX, XXXX and XXXX XXXX report. 

Despite this, CONRAD CREDIT CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are reporting incorrrect : Date Opened, Balance, High Credit, Last reported, Date Last Active and Payment History.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: WELLS FARGO & COMPANY
State: NH
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:
Went on a vacation from XX/XX/XXXX to XXXX up in Vermont which is on the XXXX XXXX XXXX At some point during the drive up, my credit card information was stolen. Between XX/XX/XXXX and XXXX a list of purchases were made in XXXX XXXX which were NOT by me. I promptly called the company to report this and the card was shut down and a new one was issued. I told the person I spoke with that any charges outside of the United States were not authorized and they proceeded to create the claims list. I thought this was fairly straightforward and the process was easy... or so I thought. 

Less than a week passes by and I see the fraudulent charges added to my new card number along with a handful of adjustments. Some of the adjustments didn't match any of the fraudulent charges nor was the total amount for adjustments correct. I call back to correct this and the person I spoke with this time around got frustrated with me saying I can't simple state " all charges outside of the US are fraud ''. So we go line by line for what the fraudulent charges are which totaled {$1900.00}. 

About week passes by and the majority of the fraud charges have corresponding adjustments and the valid purchases have also been corrected. All but XXXX charge for {$95.00} had been accounted for. So I call once again and this charge is added to the list. 

Some time passes again and I see no change on my account. I get a letter in the mail saying the {$95.00} has been denied because I had my card in possession. I call the number on the letter and ask for more details on why this was denied. I am told the same exact thing with no further details. I ask to re-open the claim on that and we go through the information that once again. Before we hang up the person said something eluding to the other charges were also denied so I stop him and ask him to confirm whether they had been denied. I never received a letter saying these were denied but somehow they were? So once again, we go over the list he has and he's listing charges I have absolutely no visibility on at all. I bring this up and say no where on my account do I see that and he said it may be on my previous card number which I also have no access to.

We make another list based on the only information I have at this point and I state I have a hotel statement and XXXX locations showing I was not in XXXX. I am told to fax this information over which the google location information will not fax over correctly. At this point I have no faith that this company can correctly resolve this issue with the current personnel looking over this account.

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 2021-12-29
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash App failed to return funds to my account sent to the wrong vendor on four different occasions totaling {$400.00}. 

I notified Cash App the funds were sent to the wrong merchant but they refuse to refund my account. 

Cash App previously informed me that it is there policy to return funds to a customer if the customer disputes the transaction with their bank. 

I disputed the transactions with XXXX XXXX XXXX. Cash App still refuses to refund the money sent in error. 

As a result of Cash Apps failure to mitigate this matter- my account with XXXX XXXXXXXX XXXX was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

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 2021-12-29
Company: TD BANK US HOLDING COMPANY
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:
On XX/XX/XXXX I got an alert saying that I missed a payment on my Target card so I called them and spoke with a rep that said he was going to reverse the late payment and the {$1.00}. He said that in 30 days to check back and the late payment should be removed along with the {$1.00}. My card was not used the actual credit limit was still on the account. I called today XX/XX/XXXX due to my report not being updated and spoke with a Rep who said that they are sorry for the mis information the {$1.00} was removed but the late payment will remain. My issue is why would the representative before tell me that the late payment can be removed because the {$1.00} was removed from the balance. I told the rep if the {$1.00} was a mistake and you guys removed it then that means the late payment is mistake to. This is hurting my credit rating, I am in the process of buying a home and I won't be able to because of Targets miscommunication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
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:
Wells Fargo Credit customer service are unprofessional. They do not assist with customer 's complaints and issues. They charged my credit card with fees and high interest rate. My credit card limit was {$3.00}. They charged me {$1500.00} with fees and interest. I was trying to pay them {$150.00} a month but they kept on charging me more and more. The credit card was use in the amount of {$2400.00}. They closed my credit card account and has reflected in my credit report/score. I do not owe the amount of what they are charging me. I have contacted the about this issue and they won't 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 monetary relief
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: OR
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 am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-05-16
Company: Experian Information Solutions Inc.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 re-submitting this dispute. I have contacted this bureau multiple times requesting an investigation. I am verifying that this is me who is disputing these fraudulent items. I need this removed and blocked permanently

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 2023-08-14
Company: American Coradius International LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My sister sent me money through XXXX and her husband disputed the charge in error. It was corrected and XXXX is still trying to charge me and my sister back. XXXX sent me to collections for {$340.00} that I do not owe. 

XXXX XXXX XXXX  Collection agent is American Coradius International LLC sent me a collection letter. When I call them all they want is the money and will not listen to reasons I dont own this debt. 

My sister nor myself have been credited this amount therefore how could either of us owe anything. 

I've worked hard to not have collections on my credit to have XXXX put me into collections for no reason. XXXX said they see the issue yet they cant get me to anyone to fix it. I have provided all document to proof this is not my debt and they just sent me to collections anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When trying to pay my bill using the B.O.A. app ... They removed the " pay card balance '' option from thier menu. Therefore, they only provide 2 convenient options that accrue charges!!! 

Starting this month I had to call them to pay my full balance!!! 

Sneaky little XXXX!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I FILED A COMPLAIN ON XX/XX/XXXX REGARDING THE ISSUE WE HAD WITH CHASE BANK SINCE LAST YEAR. 
ON XX/XX/XXXX CHASE BANK SENT US A LETTER STATING WE WILL BE RECEIVING THE MONEY BACK WITHIN 30 DAYS. Today, XX/XX/XXXX WE HAVE NOT RECEIVED THE FUND YET. 
SOMEONE NEEDS TO LOOK INTO THIS ISSUE, CHASE BANK IS TAKING ADVANTAGE OF PEOPLE WHO DONT SPEAK WELL ENGLISH. 
ITS A FRAUD! 

BELOW IS MY FIRST COMPLAINT REGARDING THIS MATTER. 
On XX/XX/XXXX I sent {$1000.00} to a friend who resides in XXXX, FL. I used XXXX through my XXXX bank, as usual to make payments or send money for necessary things around USA. Apparently, I made a mistake I put XXXX on the part where XXXX requests what is the money for. I put XXXX because XXXX is a friend from XXXX. I requested a dispute with XXXX XXXX, and they found out JP Morgan Chase Bank blocked the transaction due to the XXXX word written on memo. XXXX bank recommended me to apply for a license with the Department of the Treasury XXXX to unblock and release the funds. The application for a license was submitted back in XXXX of XXXX and on XX/XX/XXXX, of XXXX I received the letter from the Department of the Treasury informing me that OFAC has issued a license to JPMorgan Chase Bank to release the funds. XXXX bank and myself have been trying to get a hold of the department who handle these cases inside Chase bank but no-one knows what to do or what to say. The persona the money was sent also contacted Chase bank in several occasion and they keep telling her the money will be returned to me. Today, again XXXX bank and myself tried to talk to Chase Bank and they don't know what to do or where the money is. I need an investigation because I believe this is not the first time Chase has not returned the funds. This chase bank in XXXX is taking advantage of people who don't know English or don't know what to do to get their money back.. Today, my bank XXXX asked me to file a complaint with you to get to the bottom of this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank Of America has falsely reported missed or no payments for XXXX and XXXX. Despite being paid up 30 days in advance Bank of america is taking zero responsibility in the bad reporting. I have complained for the past 4 months but bank of america has not fixed the issues that resulted in damage to my credit. They are also suggesting its my fault despite it being auto bill pay through the bank of america system.

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 2021-12-31
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I was notified by XXXX that our loan was being transferred to Specialized Loan Servicing. At his point, my XX/XX/XXXX payment had already been posted by XXXX. ( See attached bank records. ) When I called Specialized Loan Servicing to make our XXXX payment, I was informed that we had a past due balance on the account for XXXX. They assured me that no action would be taken and the payment would show up after they finished inputting the transfer and that the 60 day grace period applied because of the recent transfer. After more than one call, the agent promised me there was nothing I needed to do but wait for them to post the payment. They said that they weren't able to take the XXXX payment at this point, even though it was due, because the loan hadn't finished transferring. They advised me to wait a couple of weeks for things to straighten out. I called back on XX/XX/XXXX to make the XXXX payment. They took my payment ( see attached bank statement ) and gave me a confirmation number. I tried to access their website later in the month to make the XXXX payment but I was denied access because of a delinquency code. I then called them and was informed that I was past due for XXXX, XXXX and XXXX! After some inquiry, they admitted that they could see the XXXX payment but they wouldn't apply it because of the past due from XXXX. I was instructed to mail a letter containing proof of previous payment. I told them I was hesitant to make the XXXX payment, even though it was due since they weren't applying my XXXX payment. Despite my concern, they refused to transfer me to a supervisor or provide any reassurance that they would apply my payment. When asked which government agency regulates them, the agent deflected the question by saying that we had a bankruptcy discharge in XXXX and that she was unable to help me further but they had a lien on the property. It is my belief that they are purposely not logging our payments in order to foreclose on the loan. They have a history of this behavior and the Consumer Financial Protection Bureau ( Bureau ) issued a consent order against Specialized Loan Servicing, LLC ( SLS ) in 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 explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2021-12-07
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Fri, XX/XX/XXXX at XXXX PM alert shows Im a possible data breach victim. Demand is Made to DIVERSIFIED ADJUSTMENT SERVICE, INC. for verification of my signature ( the same on my Texas Driver License and Form XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX that I signed on XX/XX/XXXX ) that matches my signature that authorized commencement of the alleged XXXX past due payment. 

My attached XXXX, XXXX and XX/XX/XXXX XXXX XXXX summaries display the following Bill summary Total amount due : {$110.00} Due immediately : {$110.00} Due by XX/XX/XXXX : {$.00} {$110.00} Due immediately : {$110.00} Due by XX/XX/XXXX : {$.00} {$110.00} Due immediately : {$110.00} Due by XX/XX/XXXX : {$.00} Please note the following XXXX alert sent to me : XXXX XXXX : We found your info in another company 's data breach. XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX PM Hi XXXX, XXXX XXXX XXXX Identity Monitoring service routinely checks to see if your email has been in a data breach. It looks like your personal data may have been compromised, not at XXXX XXXX, but in at least XXXX data breach affecting another company. 


It's not safe to use these passwords Stop using them ASAP especially for accounts that have sensitive info ( like your banking app or email ). 
Exposed password ke*** Exposed password XXXX XXXX data breaches Review the breach details to see what happened and what you should do about it now. 

XXXX XXXX Reported XX/XX/XXXX XX/XX/XXXX XXXX Reported XX/XX/XXXX User Device XXXX Addresses Reported XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Emails Reported XX/XX/XXXX Data Enrichment Exposure From XXXX Customer Reported XX/XX/XXXX XXXX XXXX XXXX/ XXXX Reported XX/XX/XXXX Marketing Database Leak Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX SMS Spam Database Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX AP XXXX XXXX XXXX XXXX List Reported XX/XX/XXXX XXXX XXXX XXXX XXXX List Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Voter Database Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXXXXXX Reported XX/XX/XXXX XXXX XXXX XXXX Spam List Reported XX/XX/XXXX Email Data List ( Email List ) Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Spam List Reported XX/XX/XXXX XXXX XXXX XXXX Feed Spam List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Systems Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX 2013

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation