BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: CORELOGIC INC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2019 CoreLogic Credco, XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern : This is a request for my full consumer report. 
Enclosed are the following two documents that verify my identity : Photo ID SS number Utility bill Please send a copy of my consumer report to the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | DOB : XX/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 explanation
Consumer complaint received 2020-08-25
Company: JPMORGAN CHASE & CO.
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:
Someone hacked my bank account. Made deposits with checks from a company and left my account at XXXX. I had just got paid from my job in which was around {$900.00} through direct deposit and the bank didn't let me get my check at all. I filed a police report. I gathered all evidence on where I was at that day and how my signature is and how I hadn't gone into the bank to take money out. They didn't " allow '' none of my evidence. I need help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute with XXXX  and XXXX  to removed fraudulent accounts be removed from my credit report, investigation took well over 30 days.

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 2021-05-05
Company: CITIBANK, N.A.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Received letter XX/XX/XXXX my checking access frozen ... 

Called Fraud Prevention XX/XX/XXXX Was told they are closing my account and that I would receive any funds in the account after 30-60 days After 90 days still no check {$6000.00} Called back to XXXX Citibank and asked to talk to supervisor they told me that there was a block on my account and they were closing the account Called and spoke to XXXX she referred me to XXXX dept. XXXX choose option # XXXX Doesnt know when the account will be closed. 
Supervisor XXXX. 

XX/XX/XXXX Following up called Citibank because I had not received anything in the mail as promised. 
Update new address : XXXX XXXX XXXX XXXX XXXX XXXX  hi XXXX As always I am on hold now for hours XXXX and still nobody is coming back. 
It is my request now to fly to mainland XXXX XXXX and retrieve my money owed. 
As there is no local branch of Citibank.

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 2021-05-06
Company: Collection Consultants of California
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:
XX/XX/2021, I disputed 5 collection accounts with COLLECTION CONSULTANTS OF CALIFORNIA, I asked for proof to validated and verify the information reporting on my account. No proof was provided. XXXX deleted all erroneous collections from my credit report as a result. I now require XXXX  and XXXX  to delete the erroneous collections from my credit report immediately to prevent any further harm to my credit. I also require COLLECTION CONSULTANTS OF CALIFORNIA to cease any further inaccurate and negative reporting to my credit report as per FCRA. I have provided my full XXXX  credit report as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account at chase. Got my debit card. Mobile deposited a check and the funds became available tried to pay some one through chase XXXX and they locked my account freezing all funds and returning the XXXX. I cant get anyone to fix on phone they transfer me around and around for yours. Been 2 weeks since Ive had access to my money of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: CHARLES SCHWAB CORPORATION, THE
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 I went to a store in XXXX, there I made two purchases ( approximately {$160.00} and approximately {$240.00}, depending on the exchange rate ). The merchant took my card behind the counter and did something but then she claimed that the machine, which would print a receipt I was to sign was not working. She gave me two scraps of paper to sign which seemed very strange. Later when the charges appeared on my statement I saw that I was charged {$570.00} and {$680.00}. Naturally I disputed the charges and my bank gave me a temporary credits of {$410.00} and {$440.00}. These credits were later reversed when the merchant sent two fraudulent receipts, with forged signatures that look nothing like mine. There are also itemized containing things I never purchased. And these are also signed with a forged signature.I sent a rebuttal of the reversed charges and filed a police report here in the USA, but the bank refused to recredit me with the funds that were stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Experian Consumer Assistance Center Attn : Complaint Department XXXX. XXXX XXXX, XXXX, XXXX   XXXX I have recently pulled my Experian credit report and notice accounts that have been investigated and deleted by another credit bureau still being reported by Experian. Attached to this letter is proof that this account was deleted. Please follow suite and delete these accounts for accurate reporting. They were deleted in order to show my true credit history. 

XXXX has removed all accounts associated with ( XXXX XXXX ). These collection agencies were reporting the following accounts from the following original creditors : ACC # XXXX Amounts : {$20000.00} Original Creditor : XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

Thank you for your cooperation, 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 2021-05-05
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi CCS/ XXXX/cfpb and all the credit bureaus ; I'm not sure why is this XXXX for {$500.00} is still reporting on my credit because i was told that it was supposed to be removed and permanently deleted from my credit. why is it still here. Delete it from my credit and see the proof attached. i been working on this with everyone ( e.g. XXXX, ccs, credit bureaus ) for the last 3-6 months. 

HERE IS A CONFIRMATION : Your payment has been received by this office. Thank you. 

Please print this page and keep it for your records. The following is your confirmation number : APPROVAL CODE : XXXX STATUS : Approved FILE NUMBER : XXXX AMOUNT : {$500.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: MARINER FINANCE, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
XX/XX/XXXX call in to mariner finance of va XXXX and give my checking account to make payment forXX/XX/XXXX, Allso someone said you can refinance just come in to XXXX XXXX XXXX XXXX VA, and sign and you can miss 3 payment, But l refuse to sign, l was told it will cost me {$2000.00} more to refinance, Mariner refuse my payment forXX/XX/XXXX and XX/XX/XXXX, Mariner finance file Civil claim XX/XX/XXXX, because l refuse to refinace my loan of 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 2021-03-29
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: First Federal Credit Control, 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: Information belongs to someone else

Complaint:
There are 2 accounts on my credit that are effecting my score that are not fine and need removed asap from all 3 credit agencies I am writing to dispute the items I have attached in this letter that are on my credit report. I have also included my drivers license to validate my identity. There are multiple items that do not belong on my credit report That I have disputed in the past and you have removed from my credit. Now they are appearing again and my credit has dropped 50 points. These need to be removed and my credit score be updated. This is very disturbing to me as I work very hard, I have insurance and these accounts are not mine that are on my credit. I am not sure why you have put them back on but the other 2 credit bureaus have removed them and I need this updated ASAP In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Federal Law require your credit reporting agency to verify physical records on file of the original signed account or contract from any accounts you post on my credit report. 

I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 

I formally demand the following negative accounts be verified, and/or removed immediately. 
XXXX XXXX  XXXX First Federal Credit XXXX XXXX XXXX XXXX XXXX First Federal Credit XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
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: Information belongs to someone else

Complaint:
XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have notified trans union of this error several times, and they refuse to update my credit report to report accurate data. Instead they send a letter to explain what inquiries are. I am full aware of what inquiries are, I am also aware of what I did and did not authorize which is why I reached out to Transunion to rectify this issue The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX  - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX  - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX XXXX  - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX  -XX/XX/XXXX 10. XXXX XXXX XXXXXX/XX/XXXX 11. XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX -XX/XX/XXXX 13. XXXX XXXXXX/XX/XXXX 14. XXXX XXXX - XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX16. XXXX XXXX -XX/XX/XXXX17. XXXX  - XX/XX/XXXX 18. XXXX -XX/XX/XXXX Please remove these inquiries from my credit report immediately.

Respectfully, 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 2021-02-03
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 status incorrect

Complaint:
I received a letter from anytime fitness on XX/XX/2020 saying they were removing a collection amount XXXX {$260.00} XXXX from my file. I've disputed with XXXX  twice but as of today its still on my report and negatively affecting my credit score. Also in XXXX of 2020 I had over {$26000.00} in credit card debt. I've since paid it down to {$13000.00} but transunion has only raised my credits core 10 or so points? This is ridiculous. The only reason these credit reporting agencies leave negative stuff on your report is so you have to spend several hours getting it off, so you repeatedly have to keep coming back to their website and viewing all their advertisements again and again. Because this collection debt is still on my report I've not been able t ok get a loan or other credit cards during this uncertain time of covid. Why are these credit reporting allowed to have so much control over me and taking care of my family?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: EQUIFAX, 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:
Equifax refuses to investigate fraudulent inquiries on my credit report. I have spoken to several representatives and filed multiple disputes in regards to inquiries and each time Equifax responds and says that the inquiries are a matter of factual record and can not be removed. Under the FCRA guidelines fraudulent information on my credit report must be removed. The below inquiries are related to fraud and need to be removed XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I added a new credit card account ( XXXX ) and that account has been reported by XXXX to all the credit bureaus on XX/XX/2019. However, only XXXX shows this new account on my credit report. TranUnion and XXXX  do not reflect this account. 

I have called both companies to resolve the issue, but to no avail.

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 2020-06-26
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX GOT AN ILLEGAL JUDGEMENT ON XX/XX/2008 CASE NO.XXXX  XXXX, ARIZONA. THIS WAS RE-INSERTED BACK INTO MY CREDIT FILES RECENTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
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 contacted the credit reporting agency numerous of times to delete this inaccurate information that is showing a open account for a account that is supposed to be listed as closed. Ive wrote more than one letter stating this and have no success with this company in reporting my information accurately.

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 2017-12-08
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company ( comes up as NCB management ) has called me numerous times at my place of employment. The first time I asked the gentleman politely to refrain from calling my job phone and that he can call my cell ( if he had it on record ) after XXXX. Me telling him that stemmed from our job receiving a recent number of spam calls. So we were advised to not give out our personal information. He said he had my number and would call. That afternoon, I received another call at my job but was n't available to answer. When I did speak to a representative again, I asked her to please take my work number XXXX out of their system because we can not receive personal calls. Since then, I have still been receiving calls from them from different numbers, even on the weekends ( My job has caller id ). I also advised her that if there is any debt that i owe to please send it via mail. She asked for my address, i told her that if I " owe '' a debt, they should have my address. How can I get these calls to stop at work? I could lose my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
State: PA
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:
I reviewed a current copy of my credit report and I show listed inaccurate or unverified accounts that are continuing to cause issues. I sent a dispute to the the creditor and also to the credit bureaus and have not received and results to investigation and it is beyond FCRA timeframe to complete dispute. The company listed is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) and account number is XXXX. I also understand that per this account that it is a direct violation for FDCPA and account is showing an open balance of {$4700.00} which per law balance must reflect as {$0.00}. This is a continued issues and I am currently attempt to purchase a home and not able to do so because of this alleged account.

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 2021-02-03
Company: DriveTime
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:
Inquiry appears on my credit report and have reached out to DT Credit by mail on XX/XX/XXXX where they never responded. 

Called ON XX/XX/XXXX DT CREDIT and they stated they can not remove the inquiry that only XXXX Called ON XX/XX/XXXX XXXX and they stated they can not remove the inquiry that only DT CREDIT CAN. 

Inquiry XX/XX/XXXX I have no idea what DT Credit is and they do not provide me with anything and would like this inaccurate inquiry removed

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 2019-04-17
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found out that I own {$1400.00} By court document. I never open a credit card with XXXX XXXX  I ask the collector company to sent me the contract show me my signature, they never did. They suppose open this credit in XX/XX/XXXX - 2014. The company name is Midland Credit Management

Company response to consumer: Closed with explanation