BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-09
Company: EQUIFAX, 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Navient Solutions, LLC.
State: MT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
After recently requesting a " verification of debt '' from Navient due to my account balances appearing to be extended, larger amounts due, and more loans than what I had on file, I received two loan applications and promissory notes. I pay on 3 loans every month to Navient that seen to never decrease in balances and the interest rates are up to 12 % when my records show much lower interest rates. I'm struggling paying these loans due to my financial planning was supposed to have them paid for by now but the loans keep increasing with different balances etc. 

I have loan documents from XXXX and XXXX to include 2 loans one for XXXX and one for XXXX. I'm not understanding where I owe 3 loans according to my account with Navient, 1 at XXXX, 1 at XXXX, and another at XXXX. After paying on these loans with Navient since XXXX I admit I have been confused and not able to track all my school loans and have just been paying what ever is asked of me. Recently after counting up the payments and years of payments it sparked a concern that my Navient loans were not correct and then I found many discrepancies. 

I would appreciate any assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXX XXXX I was denied an extension of credit by Wells Fargo Auto thru XXXX XXXX XXXX XXXX XXXX application # XXXX, as you may be aware it is against federal law thru the Equal Credit Opportunity Act to proclaim adverse action against a consumer pursuant to 15 USC 1691 ( c ). Wells Fargo auto is assuming covial liability pursuant to 15 USC 1691 ( k ). My consumer rights have been violated thru the laws in place by congress, proof and evidence I have is the letter mailed to me on XX/XX/2022 from Wells Fargo auto. Also note 15 USC 1681m ,15 USC 1642 and 12 CFR 1002. I would hope Wells Fargo can rectify this situation for the use of my social security number!

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 2022-03-08
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I dont understand why this company keeps doing this, they are relentless! 

Multiple times throughout XXXX I have been able to get these alleged debt accounts removed off my credit but this company keeps coming after me and now its continuing into XXXX. 

Im tired of this, these debt accounts were previously removed from my credit and credit report with all 3 credit bureaus several times! 

I want this to be the last time and for good! This is not right that these companies are doing this to us. Like most people in the United States, I was affected by Natural Disaster COVID-19 : JXXXX XXXX. Going through Divorce : XXXX XXXX. My Ex-Husband is Responsible for this Account and again these accounts were previously REMOVED from my Credit several times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I r

equested a few weeks ago to close my checking account with Chase Bank, because the account has the wrong name on it, and they weren't satisfied with the documents I provided them to demonstrate my correct legal name. I requested at that time that they mail a check to my *legal* name as shown in the court order I provided, since I won't be able to deposit a check if it's not to my correct name. They put the account in pending status, and then told me that they couldn't mail a check to my legal name. At that point, I asked them to instead let me transfer the funds on my own to a linked bank account, since they weren't able to provide the check with the correct name on it, and I wouldn't be able to deposit a check with an incorrect name. They are now refusing to send a check in my legal name and
refusing to transfer the funds to my linked bank or let me transfer those funds, making it impossible for me to get my money out of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: NC
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 attempted several times to correct this problem. All three credit reporting companies are reporting a late status on the XXXX account on my credit report. The first inaccurateness is it was never late. Secondly each one is report a different month in which it was late. 
XXXX-Account numberXXXX, XXXX XXXX XXXX  ( XXXX XXXX XXXX ) , has it marked late in XX/XX/XXXX XXXX-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has it marked late XXXX XX/XX/XXXX Equifax-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has it marked late in XX/XX/XXXX, but on Annual Credit Report XXXX has it late as 0 times ( see attachment ). I have given documentation of the inaccurate reporting and the credit bureaus have still refused to follow guidelines set forth by FCRA and update the inaccurate information. 

I have also attempted to get in contact with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) per email ( request XXXX ) several times ; the last one being on XX/XX/XXXX requesting verification of the date when said late payment was deposited into their bank account ; ie a copy of your bank statement showing the date of deposit. I informed them If could not provide me with the documentation requested to validate said late payment then I requested the company remove the one late payment and update it as current. I finally got a response from XXXX on XX/XX/XXXX stating they are working on the issue after I contacted them again. As of today ' date, XXXX XXXX, I still have not heard from the company or received validation. 
I feel the credit bureaus and XXXX XXXX XXXX ( XXXX XXXX XXXX ) have not complied with FCRA laws in reference to this one late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX BANK XXXX 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 explanation
Consumer complaint received 2017-11-07
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Illinois Department of Employment Security. IDES electronic deposited funds into my U. S. bank checking Account. I was terminated on XX/XX/XXXX by my employer. I filed my u.i. claim on XX/XX/XXXX. I filed as terminated. On XX/XX/XXXX XXXX XXXX of IDES entered a laid off status into my U.I. claim. And locked me out of my u.i. account, regardless of my effort to refile my claim on XX/XX/XXXX as terminated status.This generated a check of {$160.00} electronic deposited in my account on XX/XX/XXXX. This is a scam by IDES. I have to appeal any decision made by IDES if I am not found in favor to receive u.i. benefits. IDES would then want these funds returned. I notified my bank onXX/XX/XXXX to resins the deposit back to IDES. The U.S. bank has 10-90 days to decide.This IDES has placed financial hardship, and undue hardship, up on me by their deliberate actions. This is not a case of a mistake, or poor customer service. This is discrimination and corruption. I am a senior on fed.gov housing. I receive a URP utility reimburstment check of {$77.00} per month to pay utility cost. When no income is being earned. If I have income hud stops the urp monthly payment. If IDES orders me to pay monies back at a later date, that they issued on a laid off status that the state worker made. I would have to pay the funds back if found not eligible for u.i. benefits. And I also stand to loose the {$77.00} URP payment from hud. Because of this Unemployment benefit issued deposit. I am a senior. I filed a complaint with the OIG Il. Office against IDES. I notified DHA-HUD of this scam. And for their office to decide their own conclusion. I notified the bank. I called IDES for over 24 days and was hung up on, and no call returned. And then when my call was returned, IDES Does this. My first call was in the first week of XX/XX/XXXX to Tell IDES my last day worked was XX/XX/XXXX not XX/XX/XXXX as IDES had entered on the claim. This how corrupt this state of Illinois is. This was a attempt to not pay my 2 weeks wages from the employer. I filed a claim on XX/XX/XXXX with the labor board of Illinois for unpaid wages. My check was sent on XX/XX/XXXX later on in the day.. This is how the state workers and the companies and their employees, are speaking to one another in a underground organized crime corrupt network, on what they think they can get away with on workers and the people in the state. Let me make this clear I am going after the state of Illinois and IDES and the banking system the state uses. I do not know the state of Illinois and IDES banking system. I want my bank to show the world that IDES  and the state, with all their different scams in state offices, they can not push U.S. Banking customers around.

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 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

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 or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

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 2017-11-07
Company: EQUIFAX, 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:
This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
Also, how can they report different information to all three credit bureaus? The high credit, credit limit, date last reported, date last active and date of late payment are all different.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: EQUIFAX, 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:
My Identity has been compromised and misused for the benefit insurance mobile and auto fraud applications. As a result of these acts I have suffered significant blows to my credit reports that need to be investigated and corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: Klarna AB
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Throughout the month of XXXX, I attempted to purchase concert tickets with my Klarna credit. My statement says I have a {$3000.00} credit limit. I go through their app and attempt to make a purchase and I'm denied. The denial says it's due to payments are behind. This is not true. I chat beginning XX/XX/XXXX with their online rep and the first rep says that they need to escalate. I get to an " escalation agent '' she proceeds to tell me that my account is frozen due to fraud. I ask what type of fraud, who is reporting this, who initiated a fraud claim, and why wasn't I notified if my account was breached? She proceeded to say that she wasn't a liberty to give me this information and that another " escalation agent '' would be contacting me in 24 hrs to give me more details. I never received the call. I placed a 2nd call on XX/XX/XXXX to their customer service team and was now told that there wasn't any fraud on my account and that the previous agent was incorrect. I now needed to possibly make an additional payment on my account ( which I already had done based on a bot chat ) but he did say that within 24hrs another escalation agent would reach out. No one ever did. I placed a third call on XX/XX/XXXX to inquire on why I hadn't received a call. This agent now repeated that there is a fraud flag but I could have this resolved by connecting a bank account to my profile and this would clear the error. I did this and still my credit is being denied even though my statement shows I have credit. I attempted again on XX/XX/XXXX and I'm being denied. I spoke with on online agent and he referred me to call the customer service team again. I've literally spent hours trying to resolve this issue and can not get anyone to explain A ) the fraud in question B ) is this the true reason I'm being denied the credit that was extended C ) which of the agents are correct D ) can not get a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello CFPB, On XX/XX/2022, I deposited a sum of cash somewhere in between $ XXXXinto an Wells Fargo ATM machine located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX The total amount deposited did not nearly match what the screen displayed, so I asked for all cash to be returned. However only some was returned and some was stuck in the machine. I was able to pull out {$600.00} in hundreds. 

The following is the information of the ATM machine : Model Number : XXXX Serial Number : XXXX Engine Serial Number : XXXX Hardware ID : XXXX I immediately stuck my fingers into the deposit receptacle to stop it from closing. I have photos and videos of the cash stuck in the machine.

I then ran into the bank to ask the bank employees for assistance, and they instructed me to allow the ATM deposit receptacle to close so that they may check for the cash on the other side of the ATM. They said they could not find my cash and instructed me to open a claim with Wells Fargo. 

I opened a claim with Wells Fargo, and was credited {$1200.00} during the investigation ( as I did not know the total amount to be deposited but knew it to be in the $ XXXX range I claimed {$1200.00} was missing to be safe ). 

Claim Reference Number : XXXX Payment Card : XXXX Today, The ATM claim # XXXX was reversed and {$1200.00} pulled out of my account, and upon calling Wells Fargo for more information, they stated my claim was denied as no extra cash was found in this machine. 

I find this impossible as I deposited a large sum, asked for all cash to be sent back out of the machine so that I could recount, and then was only able to pull out {$600.00} before the machine pulled the rest of my cash in.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XX/XX/XXXX is reporting a collection account for XXXX XXXX XXXX  XXXX CA.  It shows date of last activity XX/XX/XXXX. I have informed them and XXXX that this is in error. The date of last activity was in XX/XX/XXXX and as such it is well beyond the limits for reporting according to FCRA. I have disputed this account and it is ignored. I have requested validation of this account and it has been ignored. This account should no longer be reported on my credit.

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 2021-10-18
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was informed by XXXX that company sold debt to Jefferson Capital. 

A debt validation letter was sent to this XXXX explaining that Consumer was the Original Creditor and to produce a contract between Consumer and them that gives them grounds for collecting a debt form Consumer ( U.S vs Throckmarton, 98 US 61, at pg. 65 ) Consumer has no contract with this thirds party debt collector. XXXX continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. XXXX failed to let Consumer know how much the debt was sold for, and if the debt was assigned to a third party, Jefferson Capital and the Consumer have a right to know what their commission. A Cease and Desist Letter was also sent to XXXX 15 USC 1692C ( b ). Consumer is not allowed to have or purchase Consumer information without consent. This is an infringement upon Consumer Right To Privacy. XXXX states " This is an attempt to collect a debt and any information obtained will be used to do so ''. 15 USC 1692e ( 11 ). Additional Violations 15 USC 1692c 15 USC 1692d 15 USC 1692e 15 USC 1692f 15 USC 1692h 15 USC 1692j 15 USC 1692k

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Torres Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i found a collection for {$240.00} on my credit report from TORRES. 
i was never once informed about this debt, and now it randomly appeared on my credit report as a collection. 
I believe this is a false report.

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