BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian is in violation of the Fair Credit Reporting Act. The agency has refused me the right to simply update my personal information dispute incomplete or inaccurate information. I have identify information in my file that is incomplete or inaccurate and Experian is refusing me of rights to update my credit report. 

Experian is causing harm and potentially exposing me to identify theft and fraud by providing information about me to people with NO valid need to know by refusing and allowing multiple addresses that l no longer reside at. 

On XX/XX/XXXX at about XXXX XXXX., I reached out to Experian to update my personal information and they refused to allow me to do so. I was shocked to see that there were a total of 28 different addresses, different phone numbers and 3 different names and multiple employers on my credit report. 

I do not currently live at any of those addresses. 
As a concerned citizen, if someone is sending mail to those addresses with my personal information can potentially expose me to identify theft. 

As of XX/XX/XXXX, at approximately, XXXX, I attempted to notify Experian to file a report of being a victim of identity theft and they continuously refused allow me to report this information. I called at least 9 time this morning and was unsuccessful. Everytime I try to call, they hang up the phone in my face and when I finally got through and requested to speak to a supervisor, another supervisor, lied stating that the previous supervisor that I had just spoken to, had not come in yet when in fact, l had just spoken this supervisor to minutes prior. 

They never gave me the opportunity to explain before hanging up the phone. 

On XX/XX/XXXX at approximately XXXX l was contacted by my credit card company, XXXX XXXX Bank Fraud Dept : in which they informed me that an attempt was made in the amount of {$3600.00} that I did not authorize. If you would like to reach out to the credit card company who informed me about this attempted identity theft. You are more than welcome to call them at XXXX XXXX option 4 and speak to 4 and speak to supervisor XXXX XXXX XXXX. 

( XXXX ) XXXX Police Department case number is XXXX. 

( XXXX XXXX XXXX Police Department case number is 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 2020-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went into a local banking facility the week of XX/XX/2020 to have my name changed on my checking account and Debit card .I was sent an ATM card as the replacement for my debit card. I called customer service and stated that I was unable to access my account and was told by XXXX from Texas that I had been sent ATM Cards X 2 and she needed my permission to reissue my debit card in which I gave verbal approval .I was sent the card but when I attempted to use the card it declined. I called Customer service again and spoke with a XXXX who stated he would get my account reopened.. After speaking with XXXX I started getting Emails stating that my card was declined and this I could not understand because I had over XXXX in my account. On Friday XX/XX/XXXX my account was reopened by XXXX and was informed that I would receive a call from her supervisor XXXX, This never happened. I called customer service as I have yet to be able to access my account.I spoke this morning with an XXXX stated that he was communicating with the Supervisor XXXX and she was working to get my funds available, About XXXX I went to the local branch to see if I could be helped and they told me to call Customer service again to reopen my account because I have direct deposits that will be floating because how I am being handled that is no fault of my own.I am currently on the phone with a XXXX who is assisting to get my account reopened -This is  elderly abuse at it worse also I am recovering from XXXX XXXX XXXX OnXX/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 monetary relief
Consumer complaint received 2019-01-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied an Amex/XXXX credit card with the welcome bonus XXXX XXXX points. 
After I spending exceed the reward credit limit {$3000.00}. I didn't receive the points. 
I called Amex credit card customer service and was informed that my welcome bonus has been declined with no reason. I have been trying to contact them again but Amex is keep telling me to wait and even one guy said the points was declined by XXXX. After that I call XXXX 's customer service and was told that XXXX has no right to decline anything because the points should be given by Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I Would like to report this collection company that has damaged my credit for a very long time. 
I was a patient with ( Original creditor : XXXX XXXX XXXX XXXX She was my dentist. 
I am a full-time XXXX at XXXX XXXX and I have excellent dental and health insurance. I presented my dental insurance card to my dentist and I assumed that she would apply all the charges to my insurance and send me the bill if any.The front desk of the dentist office had all my phone numbers and my address I never heard from them. 
All of a sudden this collection company put this unknown bill on my account and I called my dentist, which is XXXX XXXX XXXX and told her that my insurance company was to pay that and I gave you my insurance card before you started the procedure. 
This collection company has damaged my credit for too long well I don't owe them any money and they did not send me a letter to let me know what the problem was so I could have resolved this issue before it was put on my credit report.This collection company also updated the balance this month which is incorrect and it is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I owed {$730.00} end due to over milage at an auto lease end. As directed, I submitted a payment on XX/XX/2020. Chase Auto Finance received my payment on XX/XX/XXXX and my check posted on XX/XX/XXXX. 

Since XXXX, Chase Auto Finance has called trying to collect my payment of {$730.00} every month. My only recourse was mailing front and back of my cleared check to : Chase Auto Finance Attn : Research Dept. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX I mailed proof of payment ( front/back of check ) in XXXX and again in XXXX as they continued to request During my monthly collection call ( XXXX ) I was asked to FAX ( XXXX ) and Chase said I have an outstanding balance of {$730.00}. 

Today, was my XXXX collection call from Chase Auto Finance claiming I have an outstanding balance of {$730.00}. I was once again asked to prove my payment ONLY by FAX to XXXX. 

I have mailed a copy of my cashed check twice and faxed twice and yet I have to prove a negative to Chase.

How is it possible in the year XX/XX/XXXX, the customer has to prove to Chase Auto Finance via Postal Mail and FAX that I have made the payment? Chase are the ones who have misapplied the payment. I have been harassed for over 3 months with collection calls and still
no clear explanation and ownership by Chase. Chase has stolen my money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: EQUIFAX, INC.
State: IL
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 A VICTIM OF IDENTITY THEFT. THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REORT, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITYTHEFT. A HAND WRITTEN LIST OF 9 ITEMS IS ATTACKTO THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Have a Problem with TransUnion there is a 30 day late that's reporting on my credit report from XXXX XXXX I put a complaint on XX/XX/2021 # XXXX Trans Union Remove the 30 day late pay from my credit report. on XX/XX/2021 Trans Union put the False and Misleading 30 day late back on my credit report that is a VIOLATION SECTION 807 YOU CAN NOT PUT SOMETHING THAT WAS REMOVE AND NOW ITS BACK MY CREDIT REPORT I AM SEEKING LITIGATION FROM THIS 30 DAY LATE PAY for the amount of XXXX of date XX/XX/2021 This company is reporting incorrect and inaccurate information on my credit report Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.

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 2018-02-02
Company: WELLS FARGO & COMPANY
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
on XX/XX/XXXX we were late with a payment I called in made the payment that was late and was told fees would be waived. on XX/XX/XXXX a XXXX dollar fee was charged. and online it showed a XXXX dollar fee. we called in and were assured there was no fee but that we still owed XXXX cents which was weird but for XXXX i wont wast my time. on XX/XX/XXXX the XXXX was paid and again we were assured we were current with the loan. on XX/XX/XXXX. 1 day. before the next due date. we were charged another XXXX dollar fee. I beleive i am being constantly targeted for fees becauae i have had so many in the past

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 2018-02-15
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: Their investigation did not fix an error on your report

Complaint:
I dispute this acct. and ask that the account be VALIDATED with a Certified Copy of the TRUE BILL and the Original Contract Documents That Show my WET SEAL SIGNATURE on them no copies XXXX XXXX {$1800.00} XX/XX/17

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 2022-02-01
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: Account status incorrect

Complaint:
I contacted XXXX XXXX in XX/XX/XXXX when I noted that I was a victim of identity theft based on a hard inquiry on my credit report that I did not initiate. During this communication, they indicated that it was marked as fraud. Once it was marked as fraud they told me it would be removed from my credit report without any further action. Today, XX/XX/XXXX, I noted that this hard inquiry remained. I contacted XXXX XXXX again and the CFPB. XXXX XXXX claims that it is not showing up in their system and closed the case, yet I still see the hard credit inquiry on my report. I am planning on shopping for a home soon and it is important that this be corrected.

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 2021-08-06
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Diversified Consultants, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt numerous times. I sent Diversified Consultants a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute Diversified consultants has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to Diversified consultants : I am writing this letter in response to the phone call/letter received from you on ( Date ).  In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: NBT BANCORP 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: Account information incorrect

Complaint:
Vehicle loan that was sold to an insurance company that has submitted incorrect information to credit burues multiple times. After disputing the information via XXXX, which resulted in no update or any information changes. The creditor has continued to report incorrect information to negatively affect my ability to obtain a loan deliberately. I have contacted them directly multiple times and they deny the accounts existence. Intentionally doing this to prevent me from having this issue resolved to allow them more time to continue to submit detrimental information to credit burues. This includes their denying payoff by the dealership that the car was sold to by me when I purchased another vehicle. Items such as repossession of the vehicle over and over continue to display on my report and I am unable to get any assistance with this. I know the dealership went through a great deal just to locate this creditor and if it is resolved after almost a year of them having the vehicle I was not updated nor does it display that 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 2021-03-25
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have had no communication with this collector. I received a notification via XXXX XXXX that there was a new collection on my account. I disputed and reported the account to CFPB. This company is engaging in shaddy collection practices. This is the second time they have place this debt on my credit report but have not provide verification.

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 2021-07-15
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:
have an alleged debt with XXXX XXXX XXXX. They claim that I had an outstanding debt with XXXX XXXX XXXX. I dont know if this was a credit card debt or some other kind of debt. I have contacted XXXX XXXX XXXX and they have no knowledge of any outstanding debt that I owe them. In fact XXXX XXXX XXXX issued me an unsecured credit card. I am in good standing with XXXX XXXX XXXX. I disputed this debt with XXXX  and it was deleted from my credit report.on XX/XX/202. ( XXXX report number XXXX ). I have contacted XXXX XXXX XXXX and requested they provide proof of the debt from the original creditor. I want to see a copy of a loan contract between me and XXXX XXXX XXXX or a credit card agreement between me and XXXX XXXX XXXX. I dont know if the alleged debt was a credit card or a loan. According to what XXXX has on my credit report the alleged debt account was opened in XXXX of XXXX. I was living in Florida in XXXX of XXXX. There is no XXXX XXXX XXXX XXXX here in Florida so I could not have taken out a loan with them. I did not have a XXXX XXXX credit card in XXXX of XXXX. I want XXXX to provide proof of this debt between me and XXXX XXXX XXXX. If they can not provide this proof then I want their trade line removed from XXXX and Transunion. I have a written statement from XXXX XXXX XXXX that says they have no knowledge of any outstanding debt that I owe them or owed to them. I have consulted legal consul and am advised to exhaust every means available to resolve this issue and to use the courts as a last resort. I have filed a complaint with the XXXX and have yet to receive a response from XXXX XXXX XXXX. I have also filed a dispute with XXXX and am unable to file one with Transunion because they only allow one open dispute at a time. XXXX has yet to show proof of original debt between me and XXXX XXXX XXXX yet I have requested said proof. They claim to have proof of the original debt but have presented me with that proof. See attachment XXXX dispute 3

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 2020-06-30
Company: WELLS FARGO & COMPANY
State: AR
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2020, I received a Notice of Assignment, Sale or Transfer of Servicing and a welcome to XXXX XXXX XXXX XXXX. The letter also stated XXXX 's attempt was to meet my loan with efficient, prompt, and courteous services. However as I stated to correspond with XXXX XXXX XXXX I discovered their services was of deceptive, false, and misleading information. In speaking with an employee of XXXX. I was advised their company was a mortgage company. I informed the employee on the phone that the paper work I recently received indicated they were not a mortgage company but a debt collection. The employee assured me their company was a mortgage company. Also the letter dated XXXX XXXX never identified XXXX of being a debt collector organization.. I find the whole letter dated XX/XX/2020 as misleading, confused wording, and false representation and vague information. After several e-mail communication about the servicer of my loan, I was mislead again. On or about XX/XX/2020 after I requested information about my current mortgage holder via e-mail. On XX/XX/2020, I received an incomplete, vague, misleading letter from XXXX with information about XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX. On or about XX/XX/2020 I requested specific and detailed information about XXXX XXXX XXXX. The information was denied because I never received the specific detailed information. On XX/XX/2020 I received a notice of assignment, sale or transfer of service right to XXXX XXXX with XXXX XXXX another new debt collector. My house is not in preforclosuer and each time a new debt collector has my loan the payment amount is different and another debt collector goes on my credit report. seeking

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