BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from a company called National Credit Systems , INC . 
XXXX XXXX XXXX XXXX, GA XXXX On XX/XX/ I received a letter Demanding to pay XXXX for a debt I had never heard of. On Sunday XXXX the collector had reported this alleged debt to the credit agencies. I called them XX/XX/ on Monday because I was unable to reach anyone during the weekend to ask what the debt was for. I had no knowledge of this debt or accusation. When I finally spoke with someone she informed me that the debt was for alleged damages to an apartment I had lived in for 5 years. I moved out of the apartment in XX/XX/. Since XXXX I have had no knowledge of this debt and was not notified ever by the original creditor. I immediately requested to dispute the charge. The allegations are false. The original company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX had violated several Illinois tenant rights. I was not given enough time or notice before it was reported to the credit companies to even address or dispute the matter. I was not given an Itemized list for said damages. I had quarterly inspections on my apartment and had never had a bad report to my knowledge. As on XX/XX/ I have never even seen a report. Any issues I had with my apartment were reported in a timely fashion. I have several neighbors, witnesses, family members, and the Property manager who worked there for 30 years before she retired on stand by to write letters of the conditions of the apartment and my character. 
When I moved out XXXX XXXX reported to my new landlord that I was an excellent tenant. Which I have proof of and will provide written documentation of that. The company National Credit Systems was supposed to email me the dispute claim form to fill out and I have not heard from them. I have never had a collection on my credit. This is completely false and they are using this as a tactic to scam me out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$2000.00} BANK XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$6800.00} XXXX XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XX/XX/XXXX {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: Ad Astra Recovery Services Inc
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company ( AD Astra Recovery Serv ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$6300.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 has 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 15 U.S.C 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 instructions.

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. 1681 s-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 non-monetary relief
Consumer complaint received 2021-01-27
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A bank in my locality provided a deplorable and disgusting service. Insulting and discriminatory in term of race, color and ethnicity. This matter was verbally reported to CFPB associate over the phone. I visited M & T bank branch in my locality to deposit a check into my personal checking account maintained at that bank. That check was issued by my own business account from different bank. The payee is myself. The teller and another female bank employee took my check, shut the window down, refused to provide me receipt for check deposit and called in police by providing falsified information that I have been trying to deposit fraudulent check. The insults, disrespects and reckless violation of the rights of a citizen was not ended by that point. The bank employees continued to provide wrong information to the law enforcement with an evil intent that could have caused severe physical damage and harm like that of " XXXX XXXX '' of XXXX, MN. The bank practiced an imminently disgusting racial discrimination by using law enforcement as tool and confiscated my check by force, refused to provide me official receipt with seal and stamp. I did not authorize for that transaction. Later, I found out that the check was " QUIETLY '' cleared and deposited without my consent and knowledge into my 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 2023-11-24
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently purchased two money orders that I could not use. The place ( XXXX XXXX XXXX ) I purchased them from said they couldnt help me with exchanging or refunding them, but to try to deposit them into my bank. These money orders were originally intended to pay off a loan to XXXX XXXX. So I knew this would be a longshot. However, I tried to deposit them still. One of my orders was for {$1000.00}, while the other was for {$990.00}. I deposited both money orders via the Wells Fargo mobile app on the same day XX/XX/2023. The deposit for {$990.00} went through, while the one for {$1000.00} was denied. I contacted Wells Fargo exceptions team and they advised that the money order said it was intended for XXXX XXXX, I then explained the full story as to why they were made out to XXXX XXXX. They simply responded saying that the {$1000.00} money order could not be deposited because its made out to XXXX XXXX. I countered and said well, so was the other one, but you guys still accepted that one what would be the difference? They advise me that one got audited, and one didnt, but that makes no sense. So with that logic, I can deposit money into my bank half of the time even if its made out to some other entity, but the other half I cant. I found this to show no consistency and a lack of empathy and integrity within the company. Wells Fargo Exceptions went on to advise there was nothing they could do. I advised that I could provide them with the original receipt that I received when I purchased the money orders. I also advised that I could have the accounting manager from XXXX speak to them on my behalf. Still nothing could be done, despite someone clearly already making an exception to process the {$990.00}. I found this response and answer to be completely unfair and inconsistent, and it needs to be reported and reviewed.

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 2017-05-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Downloaded my credit report from Equifax on   XXXX  . Noticed the name was incorrect - all credit reporting info WAS correct. The name on the report was that of my daughter BUT it used her maiden name rather than married. The last time I checked my report was in   XXXX   and there were no issues at that time. My daughter, with her name changed to that of her husband, has been married 11 years - longer than the last report. I am working with Equifax to restore MY name to MY report - so far, no issues other than time. But I am concerned about the name change without any apparent rationale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Chase Credit Services fails to recognize that I have liquidated the account. I have made on time payments since the 2014 EVER SINCE THE ACCOUNT WAS LIQUIDATED chase is reporting the account negatively even-though the payments are being made on time. 
Chase failed to correct the credit report and claims that the payment is delinquent for 2 months. 
They are doing this for 2 of my accounts with them. At this point i will sue chase if they don't correct or delete my account. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17
Company: EQUIFAX, 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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I opened several personal 7 month personal CD accounts for my minor relatives at Chase NA on XX/XX/XXXX in the amount of XXXX each. The accounts were moved to the XXXX Comptrollers abandonded Funds Account. On XX/XX/XXXX I went through he process of locating my funds for the XXXX accounts. XXXX of the accounts were delivered in full when the grown up minors processed the request. In one of the accounts the amount returned from the abandoned funds account ( XX/XX/XXXX ) was XXXX instead of the full amount of XXXX. We have not been able to get an answer as to what happened to the balance of our money. I never took any withdrawals so I do not understand how my money was reduced and returned to me as a XXXX check from the NYSComptroller Abandoned Funds Account. I put XXXX into the CD on XX/XX/XXXX with standing instructions to " credit to CD and at Maturity, add it to the Principal and renew XXXX. I never took any withdrawals so I do not understand how my money was reduced and returned to me 0n XX/XX/XXXX as a XXXX check from the NYSComptroller Abandoned Funds Account.I need to get the balance of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
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 formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me 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 2017-02-20
Company: SRA Associates, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX, the supervisor at SRA Associates threatened me directly in regards to my auto loan. I have been fighting this with XXXX, but agreed to pay $ XXXX/mo in the meanwhile. XXXX would not accept the payment and proceeded to tell me multiple times in the call " you will see what XXXX is capable of doing to you '', making me feel threatened, vulnerable and extremely uncomfortable. He brought up legal action- whereas they are NOT a law firm but a collection agency.

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 2017-05-27
Company: Experian Information Solutions Inc.
State: GA
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:
During an investigation, credit reporting agency failed to provide the validity of a debt that was reported. Thr name of the collector is  XXXX   XXXX   XXXX   XXXX   XXXX ,    2017  in the amount of {$480.00}. This is not good practice snd violates my consumer rights.

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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I deserved to be compensated and those accounts that I mentioned in the certified mail I will be uploaded in attached that I sent including tracking number that I told them they have 15 days to provide since I been giving them more than 30 days in the past way too many times since 2020. How they gon na verified accounts with last activity, last payment, etc. is not same as other bureaus there is no way they verify. Obviously they reporting false accurately on my credit report when I ask them to delete but they been stubborn so I deserve to be compensated. I have proof that I've sent so Tracking Number - XXXX Certified Mail is in attached file that I sent is exact same pages I've sent included so I did asked for method of verification but they never provided to me but there is no way they verify every accounts they should've deleted those accounts long time ago so I am affected by false verifications in every letters I've received in the past " It been verified as accurate '' when it isn't...

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 2019-07-17
Company: Experian Information Solutions Inc.
State: TN
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 writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-07-14
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, I am a natural living person and no credit repair organization represents me. 

On the XXXX XXXX  XX/XX/2022, I filed a complaint on the CFPB website with the following ID number : XXXX and labeled Incorrect information on your report. This report was in regards to the multiple names and addresses that were displayed on my profile. 

I was not able to provide the actual names and addresses within their platform due to privacy reasons and CFPB guidelines. 

Experians response stated the following : " Unfortunately, we are unable to process your dispute or disputes, as it is not specific. If there is information appearing on a credit profile that is believed to be inaccurate or incomplete, we must have a specific dispute. 

On the XXXX XXXX  XX/XX/2022, I sent a notarized letter via certified mail addressing the inaccuracy of the names and addresses being displayed on my consumer account. This letter was accepted by one of your agents on the XXXX XXXX XX/XX/2022, but to this date, no action has been performed on your end to remove this information ; Nor did I receive a time frame of when an investigation will be commenced in order to rectify the issue. This is extremely concerning, especially after providing Experian with three forms of appropriate proof of identification within the letter. Reference CFR 1022.123 ( a ) ( 2 ) and ( b ) ( 2 ). 

The following ID numbers correspond to the names and addresses that are not legally connected to me. XXXX, XXXX, XXXX, and XXXX. 

I am demanding an investigation for the immediate removal of that information from my consumer profile as I am very concerned with Experian 's method of verification and accuracy of information. Furthermore, I'm unsettled with the integrity and safety of my consumer account. The inaccurate information being placed on my consumer profile has negatively affected my integrity, reputation, and creditworthiness. 

Lastly, pursuant to CFR 1022.130 ( a ) and CFR 1022.130 ( j ), I am requesting my Annual File Disclosure be mailed to my correct address. As I have the right to choose the method of communication and request this information.

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 2023-04-26
Company: Guild Mortgage Company LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This mortgage company is offering {$2000.00} egift cards for using their mortgage service. That seems like a thing of value, and requires you closing a mortgage with them. How is this allowed? 

This same offer for {$2000.00} egift card is on their actual website.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation