BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: CL Holdings LLC
State: MO
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:
We received a letter from Jefferson Capital Systems LLC stating we had an outstanding balance. I called and spoke to a representative asking where this originated because we didnt have any account with XXXX, which was listed as the debt description. The representative could only tell me it was from a store called XXXX the balance and when it was supposed to have occurred which was 2 years ago. We never made a purchase and weve never been alerted to any fraudulent activity on my social. I told them to mark our account as disputed but this all still feels really strange and scammy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am making a dispute against PORTFOLIO RECOVERY in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX- {$400.00} XXXX. XXXX XXXX XXXX XXXX XXXX - {$120.00} XXXX. XXXX XXXX XXXX XXXX - {$1200.00} XXXX. XXXX XXXX XXXX {$540.00} XXXX. XXXX XXXX XXXX XXXX - {$9100.00} XXXX XXXX XXXX XXXX XXXX Account No. XXXX ( dates : XX/XX/XXXX- XX/XX/XXXX ) XXXX. XXXX XXXX XXXX - {$330.00} XXXX. XXXX XXXX XXXX XXXX- {$5300.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. - {$330.00} XXXX. XXXX & XXXX XXXX - XXXX - {$560.00} 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681, Section 604-A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-01-14
Company: EQUIFAX, INC.
State: NV
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:
an unknown collection agency showed up on my credit report. 
I disputed with the credit reporting agency. 
they stated it was verified and is accurate. ( cc of the tradeline on my report with Equifax and XXXX  attached ) I sent a validation letter to the company XXXX XXXX. ( copy of letter XX/XX/2019 attchd ) they failed to verify or validate the debt ( copy of their XX/XX/2019 response attchd ) in addition to being an unknown unverifiable tradeline on my account the information they are reporting is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed with this creditor and I have requested bank transitions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and preform an investigation. The creditor has illegally reaged my date late active XXXX. XXXX is missing date last active and is unverifiable. XXXX failed to update my account and do a proper investigation. The creditor last reported XX/XX/XXXX even though I sent my dispute XX/XX/XXXX. Today is XX/XX/XXXX I have not received an update of a reinvestigation from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2018-08-09
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX I owed Citi Card XXXX. I was undergoing some very severe hardships due to my husbands illness. I had to cut back on my job. I finally agreed to start paying back the debt. I thought the fees stopped accumulating when I stopped the card. I had them take XXXX a month out of my bank .This went on until XXXX. I noticed I had a few extra dollars in my account. When I spoke to a lady at my bank she said it was no longer being taken out. I got the number from her. She said it wasn't like a normal withdrawal. The only communication I had in all this time with Citi was a letter stating they would be withdrawing their money. There was no balance or any communication.So I just assumed they were paid. Then I get a letter from XXXX XXXX saying they had taken over the account. This was in XX/XX/XXXX. The balance was XXXX had called Citi Cards and got someone who spoke ragged XXXX and when I tried to explain why I was calling I got an mean attitude. So I called XXXX. The gentleman I spoke with was very nice .He said he would send me what they had got from Citi.I feel like Citi continued to charge late fees even after card was canceled.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2018-10-19
Company: Experian Information Solutions 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 notified the Bankruptcy Courts in my area that I was in dispute of what they had reported on my credit report to the three credit bureaus, Experian, XXXX  and XXXX. I sent them a letter in dispute, at which time, I sent it certified return receipt and as certified mail. I have documentation of when I sent the letter and when they received the letter. However, the Bankruptcy Court had failed to notify the three credit bureaus mentioned above of my dispute. I have notified the three credit bureaus and have provided all three credit bureaus with the proof in writing and I even included the dates that the documents were first initially received by the Bankruptcy courts and the credit bureaus have not taken it off my credit report, seeing that the Bankruptcy courts did not notify the three credit bureaus that my file was in dispute so that my file can be noted appropriately.

I have also sent the letter I received from the Bankruptcy court to all three credit bureaus stating that they did not report the information to them on my social security. However, all three credit bureaus keep saying that the Bankruptcy court did report the information to them, even after I have sent them a letter from the Bankruptcy court that the Bankruptcy court DID NOT report any information on me and my social security number to the credit bureaus.

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 2021-11-04
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
My elderly mother who lives overseas has three accounts with Wells Fargo : a checking account, a money market account, and a CD. As of the time of this writing, the CD is worth about {$1400.00}. I am a joint account holder of the checking and savings accounts, as well as my mother 's POA. However, through some error, I was not added as a joint account holder to the CD. 

My mother called Wells Fargo XX/XX/2021 and attempted to add me as a beneficiary, payable on death, to the CD, but was told that nothing could be done unless she appears at a branch, in person. Despite my being joint account holder on two of her accounts and having general power of attorney over her, they will not add me as a beneficiary over the phone, or through the mail. They will not accept documents through any means other than in-person. 

It is physically impossible for my mother to appear at a branch office ; she is old and lives on the other side of the world. There are also no branches within XXXX miles of where I live : Wells Fargo has been closing branches at an unprecedented rate. No other bank requires one 's physical presence to add a beneficiary to an account. Most institutions even let you do it online. This requirement is unreasonable and not industry standard. 

Furthermore, the CD was originally created with a term of one year, but at some point was auto-renewed with the term extended automatically by the bank to 5 years. You can not leave standing instructions for the CD not to auto-renew : my mother will have to call them during the next 1-week " grace period '' before auto-renewal, which is 2 years from now. At her age, there is a distinct possibility that she will not be alive by then, which would mean having to go through probate to recover {$1400.00}. This is not feasible to do, so if this happens, the money will remain " stuck '' at Wells Fargo forever. My mother 's intention, in making me a joint account holder, was to prevent this very scenario.

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 2023-09-07
Company: I.C. System, Inc.
State: IL
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:
I C System has placed me under collections for an account that I have no knowledge of. 
I am requesting a formal letter be sent to my address at the very minimum including an original invoice, description of charges and anything else relative to this case that supportd my alleged debt. I have had a lifestorage unit in the past, nearly 1 year ago but have opted to sell all of the belongings in the unit in order to cover that months lease payment and closed my account with them at a {$0.00} balance.

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 2023-04-15
Company: Experian Information Solutions Inc.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Re : Unauthorized Credit Inquiry I recently obtained a copy of my credit report from Experian, It indicated that a credit inquiry ( s ) was made. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. See below. 
XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Please have this inquiry removed/blocked from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
I have sent this letter via certified mail as it requires your prompt attention and response. Please forward any documentation that you may have regarding the removal of this credit inquiry. 
Conversely, should you find that I am remiss, and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well.

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 2020-01-07
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
This has been going on for almost a month now, I have been dealing with my vanilla they froze my account in XXXX and will not release my funds back to me, I sent the verification email to XXXX 3 days ago and still they say they have not gotten it, this was on XX/XX/2020 and I need my funds loaded back to my card immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: BAM Management US Holdings Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I, XXXX XXXX XXXX XXXX XXXX, having my residential address at XXXX XXXX XXXXXXXX XXXX XXXX, hereby inform you of my dissatisfaction with the service I have received from Binance so far, this letter has the intention to bring some background and facts about a complaint a have with Binance ( hereinafter the XXXX ), and that they have incorrectly addressed my complaint. 

Back on XXXX XX/XX/2021 through XXXX XX/XX/2021, I entered into an investment contract with XXXX to transfer 12,000 EUR. I transferred my hard-earned money under the instructions of the scammers and paid them out to XXXX representatives, thinking that I am engaging a legitimate investment firm, however, XXXX has taken my funds and failed to repay the money to me upon request. 

Entering the online trading sphere comes with many hopes but due to Companys Shady activities and dealings, I lost my Hard-earned XXXX XXXX within a very well-planned and orchestrated operation. 

On XXXX XX/XX/2021, I approached Binance with a Dispute letter to address the concerns I had as negotiations failed with XXXX to reach a satisfactory outcome, I have attempted to resolve this matter with Binance but they have failed to settle this matter satisfactorily. I have dealt with them in good faith and am deeply disappointed in how they have handled this matter thus far. 

Its a shame that I was a simple end customer without any cyber-powers like theirs could have gathered all the evidence and presented it in an organized manner which shows that A ) we are dealing with sophisticated scammers and B ) they didnt do their job properly. 

Financial firms need to consider guidance published by the international financial regulatory bodies, which is taken into account when deciding whether to take action again a financial firm for not carrying out due diligence. I implore Binance to take their share of responsibility for the fact that due diligence has not been carried out, despite the merchant being high risk and unregulated, with many warnings issued to the XXXX community, no verification checks were run.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon a thorough review of my credit report, I have identified several inaccuracies that require your immediate attention. Specifically, I have noticed the presence of the following erroneous collection item ( s ) attributed to XXXX XXXX XXXX XXXX, as well as inquiries from XXXX date of inquiry XX/XX/XXXX, XXXX XXXX date of inquiry XX/XX/XXXX, and XXXX XXXX date of inquiry XX/XX/XXXX. I am formally requesting that you undertake a comprehensive verification process pertaining to this information and furnish me with copies of any documentation linked to your investigation. In the absence of substantiated verification, I insist that this erroneous information be promptly expunged from the credit file associated with my Social Security Number. 
Furthermore, I am requesting the removal of all non-account holding inquiries that have surpassed the 30-day mark, and I kindly ask for the addition of a promotional suppression to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: BROKER SOLUTIONS, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
New American Funding refinanced my property in XXXX. They were to refinance my home and 1 acre of land. Instead they refinanced my home and added 10 acres of land. I discovered this when I was looking to sale 5 acres of the 10 acres of land.

Mew American Funding stated they had accidently tied 10 acres to my mortgage, and offer to do a " release of lien '' for me in XXXX of XXXX. They seemed to have many problems, and in XX/XX/XXXX asked to do a re-fi again because of the problems with the release of lien.

After 5 surveys, 2 appraisals and credit reports. New American Funding stated that we were ready to close on XX/XX/XXXX, BUT I had to pay off a Loan of {$7100.00} in order to get the deal done. I told them I had to take the monies from my retirement account to pay off the loan, and I had 90 days to put the monies back in my IRA Account. SO i told them I would not do it unless this was a guaranteed re-fi. They stated it was, in writing and to pay off the loan. So on XX/XX/XXXX, I received the funds and paid off the loan. I was then told I had a closing and signing date of XX/XX/XXXX. BUT then on XX/XX/XXXX the day of closing, New American called and stated I had to pay {$10000.00} more in debt, and verify I was not paying for a car I had co-sign for. I had done all of this on XX/XX/XXXX. But XXXX the loan officer said they did not verify anything, and now needed to redo it. 
I re-did all their needed information, and then they stated I did " not qualify '' and I was out of luck. I told them I had spent {$12000.00} on Surveys, Appraisals, and a loan pay-off. And the Senior Vice President said " Too Bad ''.

I need some type of assistance in the mistreating of a customer which has never been late or missed a payment. And because of their mis-handling of my mortgage, they have 10 acres of land and my home on a Mortgage of {$190000.00} which is worth {$470000.00}. Because they did not do their job correctly. 

New American Funding - Senior Vice President XXXX XXXX XXXX @ XXXX XXXX Please Help solve this issue. 

XXXX XXXX XXXX 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 2023-06-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2020-07-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase credit card sent me a promotion to open a credit card ; if I spent {$500.00} in 3 months I would receive {$200.00} cash back. I spent {$1000.00} the first month and thus I deducted the {$200.00} csh back on the first billing. They never credited me with the {$200.00} and thusly started charging me late fees. I contacted them a couple of months ago and the person I spoke with agreed with me, and said the balance due should be XXXX. But they still are sending me a bill for late charges plus the {$200.00} I deducted.

Company response to consumer: Closed with explanation