BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo bank has again on the 7th time or so shut down my card due to false implications of fraud. I have been sent 5 different cards by Wells Fargo since moving to XXXX. Th have consistently shutdown my cards on numerous occasions, minimal on my part. Wells Fargo sent me just recently a new card and shut if off the next day. I was left stranded at a gas station for almost 2 hours recently waiting for them to clear my card so I can get gas. They also sent me two cards in XXXX  where I am and they have simply abused me since they sent me the first card to XXXX. THIS IS DISGUSTING. PLEASE HELP ME FROM THIS WELLS FARGO ABUSES

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 2018-06-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In 2009, I graduated from XXXX XXXX XXXX XXXX XXXX. I earned XXXX Degree of XXXX XXXX, which is a four year degree. This institution double billed me. This school also is affiliated with a XXXX school called XXXX XXXX University. They double billed me for both schools, even though I never attended XXXX school. A couple of months ago, I applied for a loan and found out that much of the information in my credit report is incorrect. When I filed a previous Consumer Protection Complaint, the loan servicer falsely claimed to CFPB that I withdrew from XXXX school. I am paying for loans I never received. I never attended or withdrew from XXXX XXXX University for XXXX. It appears that these two educational institutions defrauded me when they charged me and billed me twice. They received so much federal funds which I never saw or received.

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 2018-05-18
Company: JPMORGAN CHASE & CO.
State: NY
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 had a Chase Ink credit card opened on XX/XX/2017. I have been using the card ever since then for my purchases and earned XXXX ultimate rewards points. I have always paid my bills on time and had no issues with the credit card. Recently, they contacted me about possible fraud on my account. When I called them back about this, they had issues with validating my identity. I emailed them copies of my state ID, XXXX card, utility bill, business information. However, they still claimed they could not validate the identity. They proceeded to cancel the account and now I have lost all my points. They refused to allow me to prove this was a mistake on their part or to reimburse me for the points. I feel they are taking advantage of some small loophole they have to not pay out my points. This is very unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX in the amount of {$370.00} XX/XX/2018, which I believe to be a fraudulent account is showing up on my credit. I was never informed of this account before it illegally showed up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed with Experian three times. Each time I have asked for verification of items on my credit report. I have not received how they performed the process. I have asked. I have letters sent by certified mail and their response. The last time Experian responded they told me they verify but did not provide it. That is not what the FCRA extends to consumers. Also, I did not receive it in fifteen days as per  FCRA. I did receive a response but not verification. If they have the records it is my understanding that they need to provide it when I ask. I do not owe XXXX XXXXXXXX XXXX anything. They have not verified with me either. I refuse to pay a debt to a collector I have nothing to do with. I also refuse to pay a debt I do not have proof is mine. If this debt is mine I want proof and they have not provided it. My letters have been specific. A debt that is not reporting correctly is inaccurate. should I have said that? I have included the last letter with Certified Mail # it also contains the second letter I sent Experian as it's like they just tossed it in the trash.

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 2020-08-21
Company: EQUIFAX, INC.
State: GA
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 accounts listed do not belong to me someone used my information to open fraudulent accounts they use my personal information on applications as well I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a Citibank Student loan account on my credit report that continues to lower my score and I have never received any letters or notification about this, it has just appeared on my credit report. The student loan in question is past the statute of limitations, but hasn't appeared on my credit report before this.

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 2018-12-18
Company: Automated Accounts Management Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AAMS XXXX {$2400.00} I DONT OWE THIS COMPANY ANY MONEY, IM REQUESTING THIS ACCOUNT TO BE REMOVED FROM THE CREDIT REPORT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: TX
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:
Sent letter in to XXXX stating that XXXX XXXX is misinforming, they sold my account to a collection agency in which I settled the balance with and they are still showing as I have a {$280.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Bank of America is reporting to the credit bureaus that I have been late with my payment for more than 90 days and late 15 times. All of this reporting is false.I purchase the house in XX/XX/2017 from XXXX XXXX XXXX for {$130000.00}. I took out a loan from XXXX XXXX to make the payment. I have been paying XXXX XXXX {$1700.00} every month since then. Bank of America is saying they still own the home and that I should continue to pay them monthly. I have a Title and Deed of Trust from XXXX XXXX XXXX stating that I own the home and XXXX XXXX is the lienholder on the house. Meanwhile, Bank of America continues to report to the credit bureaus that I owe them on their mortgage and they are destroying my credit rating. I am trying to purchase a new home for my family and I am not able to because of the late reports on my credit from Bank of America. I make my payments to XXXX XXXX every month and I have never been late. 
I have a case number with Bank of America Case # XXXX. I have been dealing with a person named XXXX and XXXX. Neither one is forthcoming to help or get this resolved. 
Regards, 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 2018-06-23
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I received a re-investigation from Equifax. I requested that XXXX XXXX XXXX ( XXXX  ) reporting be verified. The date of the last payment is not reported. The months reviewed is not accurate. I am requesting the method of verification. Equifax is reporting this account without a date of last activity, therefore Equifax is re aging this account. This account has passed the 6 years statute if limitations ( SOL ) in  Tennessee. Equifax continues stating the account date of last activity is verified yet left the information blank on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXXXXXX XXXX ( collection/charge-off ) claim ; this is a blatant error ... I settled this account before it went into collections, yet the bureaus insist on reporting it wrong ... I have contacted the creditor and the creditor concurred and said it is invalid and should not be on my report ... 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my 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 2018-12-18
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Wednesday XX/XX/XXXX ; Rausch, Sturm, Israel, Enerson and Hornik filed a debt claim lawsuit on me in XXXX County, Tx ( Case XXXX ). The claim stated that it was made on behalf of XXXX XXXX  and XXXX on a credit card that I previously owned. It wasn't until I began to receive solicitations via United States Postal Service offering their services to represent me did I find out about the lawsuit. 

On Wednesday XX/XX/XXXX at XXXX CST, I contacted XXXX XXXX XXXX at XXXX. During this phone conversation, I was advised that XXXX  was no longer in control of the debt and that it had been turned over to debt collection offices of Rausch, Sturm, Israel, Enerson and Hornik.

Rausch, Sturm, Israel, Enerson and Hornik has never advised me that they were assigned, purchased, or otherwise took over this debt. At no time did Rausch, Sturm, Israel, Enerson and Hornik provide me with : The amount of the debt. 

The name of the creditor to whom the debt is owed. 

A statement that, unless I dispute the validity of the debt, or any portion thereof, within 30 days after receiving the notice, the debt will be assumed to be valid by the debt collector. 

A statement that, if I notify the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer. The debt collector must mail a copy of this verification or judgment to the consumer.

A statement that, upon my written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

It is my belief that Rausch, Sturm, Israel, Enerson and Hornik violated section 809 of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: COAST PROFESSIONAL INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Starting in XX/XX/2020 I have attempted to contact the U.S Department of Education, the loan servicer, dispute resolutions group, and various other entities that I have been referred to without success. I have been continually advised to contact various different entities within the U.S Dept. of Educations system creating an endless loop of calls resulting in hours upon hours of wasted time without any resolution. I have requested the necessary forms to file a dispute which have been outright denied in several instances, and when I finally spoke with someone who agreed to send out the forms I never received anything. On XX/XX/2020 XXXX I was advise that per federal legislation my tax offset would be refunded to me within approximately 6-8 weeks. On XX/XX/2020 at XXXX I contacted the U.S Department of Education to check the status of the refund as I had not received it nor did I receive any communication at all with regard to the complaint I filed regarding this issue on XX/XX/2020. Not only was I advised that the case associated with my complaint was closed without my knowledge I was told that there was no information regarding the refund and was again told to call the dispute resolution group. The tactics used by both the U.S Department of Education and its affiliate creditors are an obvious ploy to not disclose pertinent information to the borrower per federal law. To date I have received no information regarding the erroneous " fees and costs '' assessed to my loan totaling more than $ XXXX in one year alone in addition to the interest. The source of these fees has never been disclosed and is NOT attributed to and penalties or late fees as their very own statements show that no penalties and late charged have been added due to the over $ XXXX in payments they have admitted to receiving in XXXX alone. My requests for hearing have gone unanswered despite numerous calls, faxes, and letters requesting administrative intercession and mediation.

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 2018-12-18
Company: JPMORGAN CHASE & CO.
State: UT
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:
On XX/XX/XXXX A contract was signed with XXXX. My contract was good until XX/XX/XXXX. On XX/XX/XXXX the FTC of XXXX shut down XXXX because it was a scam. Chase Credit card services contacted the merchant and the merchant responded that they would not refund me the money. 

When the FTC shuts down a company they freeze all the money of that business. The merchant could not refund my money even if they wanted to because of the freeze on all their accounts. 

I was not asking for the merchant to refund the money I was asking Chase to refund the money. I have been involved in this dispute with Chase since XX/XX/XXXX. Each time they ask for the same paperwork because they can't keep track of the paperwork I have sent them. I have submitted paperwork substantiating my claim for a refund. Each time they say they don't have the paperwork so I send it again. How can a company refuse a refund when they can't keep track of documentation supporting the dispute. 

I had a year contract with XXXX I sent Chase specific documentation of what services I received during that time period and what services had not been received. I sent them the signed contract, letters, invoices, FTC paperwork etc. The proof they have that I was misled lied to and cheated out of {$35000.00} is more than sufficient to prove I am not liable for the charge to my Chase card for {$16000.00}. 

Thank you for looking into this matter. I still have {$35000.00} of debt because what XXXX taught me, made me absolutely no money, but got me further into debt. 

Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: EQUIFAX, INC.
State: FL
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:
The week of XXXX XXXX XXXX, I went into the XXXX XXXX XXXX XXXX dealership to meet with a salesman about a used XXXX truck. I immediately imformed him upon seeing the truck that I would not be able to afford the truck. I told him that I was already working with a lender and where my payments and price needed to be. He said that he felt that he could get the payments down to where I needed them to be. I specifically told him NOT to run my credit. He returned and imformed me that someone in their financial department had ran my credit anyway, and now I have 3 hard unauthorized hits against my credit due to they're neglagence. Further more, the lender at the local branch of XXXX XXXX XXXX XXXX with whom I had been verbally given an approval of up to XXXX dollars, can now only aprove me for XXXX dollars because when the dealership ran my credit, they apparently ran it through the corporate level of the branch I was dealing with and denied it, now limiting what my loan officer can do and damaging my buying power. I have four total hits against my credit and there should only be one for the above mentioned date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: FHA mortgage
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 have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2018-06-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had constant issues with dealing with XXXX XXXX. I have 4 accounts with them and the only one they are messing with is the XXXX XXXX XXXX store card. I am on a deferred interest plan with this card, not any of the others. I make my payments on time, or so I thought. I made a payment on the due date on XX/XX/XXXX. They charged me a late fee of {$27.00} and added a {$2.00} minimum interest fee claiming they received the payment on XX/XX/XXXX. I provided a copy of my confirmation email showing the payment was made in the MORNING around XXXXPT for the card, which is well before the cutoff time for the same day payment. After about 6 messages and several calls to the company, they admitted fault and removed one late fee. They refused to removed the interest charges that THEY caused due to their system mess up. I have repeatedly asked them to remove them and they are ignoring my messages. They won't even acknowledge my attempts to contact them. I received ANOTHER late fee on XX/XX/XXXX and another on XX/XX/XXXX. I was under the impression that my account was on automatic payments, since I called into the company in XX/XX/XXXX and the representative with a woman with a husky voice who got my bank account information and said she set up automatic payments for me. She did not. XXXX XXXX did not address my requests for answers but rather just told me " auto payments are not offered for my account. '' I again requested an explanation and demanded that they pull my call since I now don't know what happened and what that women did with my bank account information, which is a huge liability for me. I demand answers and I demand that those late fees and ALL interest fees on the account be removed immediately and fix the problem with their system and their lying reps! They are demanding I pay the late fees and interest first before anything else even looking at my account. The phone representative would not budge at even going over my account until I paid them

Company response to consumer: Closed with monetary relief