BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-27
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX Ive received a bill from XXXX, I called then and explained to them that this isnt my bill and they told me that they couldnt put someone else bill in my name. I filed a police report and found out that the bill belongs to someone else with the same first name, middle initial, and last name as me. The detective have not contacted me back since then and Ive tried calling and still wasnt able to speak with the detective. This year I checked my credit report and seen that the bill was still there. I disputed it over the phone and they havent removed it but they gave me a shorter date for it to close. There is also a address connected to this bill on my report that Ive never lived at.

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 2018-12-28
Company: EQUIFAX, INC.
State: NH
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:
I disputed my previous name. I am recently married and was denied a loan application because Equifax had not updated my name properly. I have tried to access a new report but the error message says my name does not match what is on there system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft 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 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS THREE TIMES WITH 40-60 WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE NOTE THAT I HAVE ONLY UPLOADED ONE RESPONSE RECEIVED BY THE BUREAUS, EVEN THOUGH I ATTEMPTED TO REACH THEM THREE OCCASIONS. 

PLEASE INFORM THIS CREDITOR THAT, IF THIS MATTER IS NOT RESOLVE WITHIN REASONABLE TIME AFTER THIS CORRESPONDANCE, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

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 2017-09-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
0n XX/XX/XXXX I try to use my debt card and the charge was declined {$21.00} My balance in my Chase Checking Account {$3900.00}. My balance in my savings account is {$54000.00}. I went to the bank location on XXXX XXXX XXXX I went to deposit a check I received from services rendered I am self employed. The teller stamp back of the check with FOR Deposit Chase Bank Bank and then teller received an error message on my account. My account was restricted. A Manager ( XXXX XXXX XXXXXXXX ) said it had to be some type of error since I have been a great customer for many years Never had low balance or NSF Checks. The Manager and I called customer service after being on the telephone and hold for 20 minutes all they would tell us the account was on Restriction Still did not know at that time Chase was closing my accounts. Manager told me to call them back when I had more time and not at the bank.So I called Chase Customer Service XXXX I was told Chase had closed my account. I called back customer service and wanted a specific when and how could I get my money since the the money to my name and Mortgage is due, Car Payment and Insurance. I escalated to a supervisor in Fraud Department XXXX and after him reading scripts for 15 minutes I requested to be escalated again to higher manager I spoke with XXXX. I was told a notice would go out in next 10 days and account had been closed or restricted since XX/XX/XXXX. They were closing my accounts and after the 10 days then they would mail me my funds in my account. Remember my balance is over $ XXXX all the money I have and no money to run my business or pay bills. I can withdraw no monies. All my bill set up on automatic payment for 1st of month would not go out and none of my bills would be paid even though they are still holding all my monies. Another bank is going to hold my check for another 10 days due to size of checks and they have to clear So I can not run my business for 20 days without funds. They transferred to XXXX in Executive Office which I never heard back from XXXX XXXX # XXXX. I was given no notice or reason why this is happening I have been an excellent customer for year with high balances Never had a NSF or Overdraft. XXXX explained to be they would never give me a reason for closing the account and they are not required

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A XXXX scammer sent me a bad check for {$3900.00} which I received on XX/XX/2021 and was able to deposit via the USAA mobile app. The funds were deposited into my CHECKING ( i.e., DEBIT ) account immediately. There was no notice in my account of a problem with the check, or of any " pending '' funds. There was no notice of the check being honored on credit, and I never directly authorized credit on that check ( nor did I ever intend to ).

The same day, I got a balance check for my checking account from an ATM. I was able to withdraw {$3300.00} from my account, which ended up getting sent to the scammer 's " shippers '' via XXXX. I have all the physical receipts. 

Several days later on XX/XX/XXXX, I saw in my account that the check had been refunded along with a {$5.00} " fee, '' which left the total of my accounts in debt. I reported it to USAA as soon as I noticed it and realized it was a scam. They reported it to their " fraud department, '' which froze all my accounts and cards by the next morning. 

I have been trying to reach out to my bank, but they leave me on hold for hours on end. It's impossible to talk to a human being. I have bills coming due, and I need to pay for food and medicine. My time and ability to access my money are valuable. 

The best excuse USAA gave me is that they honored the check based on giving me credit, and only because I had such a good credit history with them for so long! Ha! But like I said, I never authorized, nor intended to authorize any new line of credit, and took deliberate steps not to authorize any line of credit. 

If USAA issues me a line of credit without my approval, that's THEIR risk. And as far as I'm concerned, they are complicit with authorizing fraudulent checks by : a. ) making the process totally automated ; b. ) advertising it as " secure, '' and ; c. ) fatiguing its customers into compliance with using it, while diminishing access to real customer service. 

I'm also investigating this issue myself, and have tried to report to several local and federal law enforcement agencies with little response. I am also about to file a local police report for what it's worth. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attempted to contact each company to validate the inquiry. NO response was recieved. I have an inquiry from XXXX XXXX on XX/XX/XXXX, overstock XX/XX/XXXX & XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Manhattan Beach Venture, LLC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Harrasing phone calls from XXXX for a student loan I do not have. I have been out of school for approx. 30 years. I notified company to cease & desist. Company has ignored my wishes. Please contact company to stop unwanted calls and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Experian Information Solutions Inc.
State: PA
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 to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft 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 explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: PA
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 to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This bill was removed from my report and I dont know what this bill is. I get a collection notice from XXXX  after I told them it wasnt mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Navient Solutions, LLC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently found that Naviant had filed delinquencies on my Credit Bureau. I was a co-signer for my son 's Student Loan and he had fallen behind. The loan was re-financed without my knowledge and when I called in the last 12 to 18 months to inquire about derogatory items on my Credit Bureau, I was told that it would take 6 months to resolve. I followed up by pulling my Credit Report and my score had continued to drop. I called Naviant again and they would not take my call without my son or daughter-in-law. I called with my daughter-in-law and they stated that they did have a recorded call of me being told this would be resolved in 6 months but there was nobody there that knew how to remove me as I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CL Holdings LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good afternoon, I contacted Jefferson Capital Systems , LLC. to get a debt validation prior to proceeding with their allegation I owe a debt especially since I've never done business with this company. This was sent XX/XX/XXXX and they received XX/XX/XXXX confirmed through Certified Mail. In my debt validation request in which I have the right to request under 15 usc 1692g, I asked Jefferson Capital Systems , LLC. to provide validation through : * The amount of the alleged debt * The name of the original creditor to whom the debt is owed * The name and address of the original creditor which differs from XXXX XXXX XXXX * The agreement between Jefferson Capital Systems , LLC and XXXX XXXX XXXX granting Jefferson Capital Systems , LLC. the alleged right to collect on XXXX XXXX XXXX behalf * A statement that if I notified Jefferson Capital Systems , LLC in writing within 30 days that the alleged debt is disputed, Jefferson Capital Systems , LLC must give me the verification of the alleged debt and a judgement against me the consumer * Any insurance claim submitted by any creditor regarding the account in question. 

I stated if any of the information requested isn't received or provided and an invalidated debt is still being reported to consumer reporting agencies, I will have to exercise my rights under 15 usc 1692k which includes for me filing this complaint through the CFPB. 

In response to this call to action on XX/XX/XXXX I was sent misleading and offensive information stating " they can't sue me due to law limits of time when they can sue on the debt. '' They state " if I dont pay the debt, they may or continue to report to credit reporting agencies as unpaid as long as the law permits this reporting. '' They also included 1 false and misleading representation of what they call a " verification '' of the alleged debt which is nothing but a statement from XXXX XXXX XXXX being sent to MS XXXX XXXX XXXX dated back to XX/XX/XXXX reporting on the alleged debt. This is not a validation of the alleged debt as I requested. This statement doesn't address any of my validation requests and is intended to mislead me on information regarding the alleged debt. This isn't right and I will like to continue to take action against Jefferson Capital Systems , LLC. pursuant to 15 usc 1692d. Thank you for helping me to bring remedy to this unfortunate circumstance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
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: Old information reappears or never goes away

Complaint:
I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS THREE TIMES WITH 40-60 WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE NOTE THAT I HAVE ONLY UPLOADED ONE RESPONSE RECEIVED BY THE BUREAUS, EVEN THOUGH I ATTEMPTED TO REACH THEM THREE OCCASIONS. 

PLEASE INFORM THIS CREDITOR THAT, IF THIS MATTER IS NOT RESOLVE WITHIN REASONABLE TIME AFTER THIS CORRESPONDANCE, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive been working with Wells Fargo since XXXX XXXX to sell my house as a short sale. I have provided Wells Fargo all the documentation they asked for to process this action but they keep telling me they havent received my documents and that I also need to send in more documentation. I also have sent in cash offers to the bank from a buyer interested in purchasing my house but Wells Fargo rejects all the offers or they say they never received the offers. Im always assigned to a new home preservation specialist every three weeks so when I call the bank I have to go through the whole process all over again. My house could have been sold three months ago with a cash offer of {$150000.00} from the remaining balance of my loan of {$170000.00} but they rejected it and the buyer walked away now Wells Fargo is sueing me and putting me into forclosure. Ive been working with Wells Fargo and I have corporated but Wells Fargo isnt working with me or corporating with me. I have done everything Im supposed to sell my house to pay my loan off but Wells Faro is putting me into forcloseure on purpose. When I call I can never get anyone on the phone. I just want to sell my house and get my loan paid off. Wells Faro has been a nightmare for me. They are comiting criminal activity.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, these accounts has violated my rights : XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 B : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-28
Company: DCI Credit Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Coming from a XXXX situation, these people offered to help me and my husband. We were told we didnt have to pay rent until XXXX started working for them and could generate income. We signed a lease in XXXX, XXXX with a dollar amount of {$750.00} when we had absolutely no income, and was told we could live rent free until we had income. This was a lie as there was a dollar amount on our paperwork. We owed money to them as soon as we were supposedly being helped until we got on our feet. I was in their debt immediately with their handout of help as they said. I also requested that a felon with a background of violent crimes does not be allowed to be on the lease as a lease holder. Knowing this person wasnt responsible ( XXXX XXXX ) and having had issues prior with him and my bills, they refused and made XXXX people be on the lease. ( Just like I knew it would, XXXX caused me problems with my credit and rental history, purposely. He is also my abuser. ) I was continually harassed by the owners. They made a false report to XXXX of XXXX XXXX XXXX of XXXX, made false reports to local police during XXXX & XXXX. ( I was being harassed. The owners were being lied to by my husband, the abuser, and they were acting out against me because of what was falsely being stated about me. I was XXXX and did not have heat in the second unit during the entire winter months. I contacted the local HUD office to make a complaint about the heat, soon after the heat was fixed. She gave us XXXX space heater to use for a XXXX bedroom apartment. The repairs were not compeleted until the following year of XXXX. 
Due to all of the harassment and the problems I was experiencing living here, I filed a protection order and decided to remove myself from the property and the situation as I was not safe at all. 
I was discriminated against as a woman, and now Im being retaliated against against my credit history with XXXX bills that have charges against me that I should not owe. 
These people wont leave me alone, and will not stop try to find out information about me to use against me in a harassing manner. 

The creditor has taken a wage garnishment from me during transition of employment. 

Im having trouble paying rent due to being XXXX and I can not catch up since XXXX restrictions happened. 

If anything this company can charge me for the month I was leaving and the next month per North Dakota Laws with protection orders. 

Im being retaliated against for excesising my rights to removed from this lease.

My personal information is getting found out from these people and then they are using it to harass me. Im about to get a restraining order against the persons running this company because they will NOT leave me alone.

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