BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not recall taking out this loan and agreeing to these terms as listed on my credit report. I have disputed this multiple times and not only do the credit reporting agencies not appear to fully investigate, XXXX  XXXX EVERY MONTH refreshes my date as if it's a new collection, thus negatively impacting my credit score. I have asked for properly validation of this debt and have not received any copies of signed contracts or agreements. I have only received screen print outs that do not provide validation that the debt belongs to me. I have attempted to resolve amicably so my mortgage would not have been denied and they refused. Every month, even when I have not actively disputed the account, XXXX XXXX FALSLY places an in dispute comment on my report which again caused my great difficulty and affeted me negatively in trying to obtain a mortgage. The last attempt at validation on or about XX/XX/19 that I tried and specifically asked for signed contracts or agreements, I was told they had it and would send, however I again received screen print outs which do not properly validate my debt.

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 2022-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2019-06-26
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: Information belongs to someone else

Complaint:
I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX-XXXX.  I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by  contract with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This complaint is about my safety deposit box held at Chase Bank in XXXX XXXX, IL. Several years ago I was given this safety deposit box for free, which I have been utilizing all these years. 

However, on XX/XX/2022 I received a paper letter from Chase Bank saying that they will withdraw {$50.00} from my Checking Account as an annual fee for the safety deposit service. On the letter a phone number was provided where I could call to understand why I was being charged the {$50.00} fee. 

When I called up this number the system took me through various automated messages giving options which were not relevant to my problem. It did not provide any explicit option to talk to a customer service representative. 

I tried pressing " 0 '' and that's how I got to the point where talking to a human appeared possible but I soon got the message saying " THEY ARE NOT ABLE TO TALK TO ME AT THIS TIME AND I SHOULD CALL LATER ''. They did not provide any other options such as leaving a message, waiting in the queue or leave a call back number. I kept trying for half an hour and finally gave up. My complaints are as follows : 1 ) Chase has not spent enough resources to serve their customers. They provide big XXXX bonuses to their top employees but when it comes to investing resources to serve their customers and communities they shy away from it. 

2 ) I understand that a particular customer service center may be busy at a given time. But Chase could at least create features within their customer service system that would allow customers to leave messages or navigate to the right option in an easy manner. 

3 ) One would expect a bank of Chase 's size and might to be proactive about addressing these considerations. Given that they haven't done so suggests very clearly that they are deliberately discouraging customers from contacting them. 

Thank you for your patience in reading through my complaint. I hope to get a speedy resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING FRAUDULENT STUDENT LOAN ACCOUNTS AND INQUIRIES FROM MY CONSUMER REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I sent the letter on XXXX XXXX but I sill haveng hot any response. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.

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 2022-03-07
Company: EQUIFAX, INC.
State: WA
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/XXXX. I deposited 120 dollars into my chime account that has the spot me feature. Specifically for an online purchase that was very important and time sensitive The spot me feature let 's you go over however much spot me you have. I had 90 dollars so I though I was fine depositing 120. 

XX/XX/XXXX the feature was taken off with no warning taking the money I just deposited. All day I'm on the phone trying to get help and they keep saying the spot me has a policy with minimum deposits etc my thing is there should be a warning of some kind before money is just taken from an account. Im saying as a 5 year customer you can't help me at all? 

Not to mention I was wondering if it's even legal to do what they did?? Even the irs warns you before they garnish your wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
fraud transaction XX/XX/XXXX XXXX XXXX, business to business act csi - payments XXXX. XXXX fresh product {$700.00}

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 2017-12-28
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX card administered by XXXX XXXX. 
I rarely use this card, so I do not get monthly statements. I receive numerous emails from XXXX XXXX on a daily basis. Evidently, I received my bill electronically, but was unaware of this. I did not differentiate it from the numerous other emails, and the bill went unpaid. They said Insigned up for the electronic billing, but Inwas not aware Inhad done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mother died in XXXX. I found out in XXXX that my bank declared me deceased and froze all my accounts. In XXXX I was able to finally use my credit card, but my autopay was still frozen. All my autopay bills and checks bounced. After many phone calls and complaints I ended up having to close all accounts and open new ones. I lost all my credit which was in the 800s. Yesterday I found out that two of my XXXX siblings have also been declared as deceased, and they do not use the same bank. Yesterday, I spent 45 minutes at the bank trying to figure out how this could happen. My siblings and I each shared a CD with my mom. I think that someone at US Bank marked the three of us deceased when they processed the CDs. The banker told me to have my siblings go to a US Bank to prove they are alive and have the bank call life events. I am still clearing up my accounts and now my two siblings are going to have to spend months trying to prove they are alive, fix bounced payments and credit cards, and try to fix their credit scores. Someone needs to find out where this major error occurred and correct it.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-03-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I started the process of refinancing to cash out equity with XXXX XXXX XXXX on XXXX XXXX, XXXX. I was told that I called in at the " perfect time ''. The lender was offering a 2 % lender credit with a rate of 3.85 %. Plus the loan officer found a way to get the lender to pay for an appraisal. My appraisal came in and everything looked great. We were then informed that our loan amount would put us in a jumbo loan and that the rate would be much higher, no lender credits would be given and the {$1000.00} appraisal is now on us to pay at closing. I feel like this is bait and switch. The facts on our end have n't changed. Also to be noted is that the switch happened nearly a month in and it 's now been 56 days with still no closing date in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Credit Control, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received the fraudulent, unsigned debt collection letter dated XXXX, XXXX 2022 from Credit Control , LLC for XXXX XXXX XXXX to collect illegal debt from XXXX XXXX from XX/XX/XXXX, XXXX Credit Control , LLC and XXXX are third party debt collectors, third party interlopers. Credit Control , LLC and XXXX are in violation of : 1. The Fair Deb Collection Practices Act, 15 U.S.C. ( Violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 802 ( a ), 803 ( 3 ), ( 4 ), ( 5 ), ( 6 ), & ( F ) et seq., 809 ( b ) ) Violation of the 18 U.S.C. 1341 Racketeer Influenced and Corrupt Organization Act ( RICO ), and 18 U.S.C. 242. 
18 U.S.C. 242 makes it a crime for a person acting under XXXX of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States of America. To wit : A national Bank can not lend its credit to another by becoming surety, endorser, or guarantor for him, such an act being ultra vires XXXX Bank v. XXXX XXXX XXXX. 
2. The federal laws of mail fraud prohibited by 18 U.S.C. 1341 Racketeer Influenced and Corrupt Organizations Act ( RICO ). 
The offense is punishable by a range of fines up to {$250000.00}, imprisonment up to a life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any. 
3. Criminal Activity of fraud. 
4. Pattern of Criminal I formally request CFPB order the Credit Control , LLC XXXX XXXX XXXX XXXX, the third party debt collectors : 1. To cease all communications with me regards to this debt, or any other debts that these two entities allege I owe. 
2. Not transfer to anyone else. 
3. Any negative remarks made to a credit reference agency should be removed. 
4. Credit Control , LLC XXXX XXXX XXXX XXXX non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and you implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you CFPB for your help.

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 2020-04-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
103 claims true identity fraud/account fraudulently opened the original creditor for this fraudulent accounts listed Experian Report Number : XXXX XXXX  File Number : XXXX Account name : XXXX XXXX {$3500.00} Account Number : XXXX Date open XX/XX/XXXX Account name : XXXX XXXX XXXX Account number XXXX date opened XX/XX/XXXX Account name : XXXX  XXXX {$1500.00} Account number XXXX i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these 2 creditors to validate that this is identity theft ..also when i got off the phone with XXXX XXXX about a day went by when my caller id said " SCAM LIKELY '' i answered it and it was call from XXXX XXXX XXXX i thought this was another fraudulent account but it turns out that XXXX XXXX sold a debit to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GAXXXX. 

also i recently found out i was involved in the data breach with XXXX  in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

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