BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX XXXX XXXX Acct ending in XXXX I opened a business account on XX/XX/2019 in the XXXX XXXX XXXX branch and i was supposed to receive a bonus of {$500.00} upon fulfilling the requirements for 3 months which i did. However i never received the bonus. Also i called in to customer service during the 3rd month and they confirmed i was compliant to the requirements to receive the bonus and i would receive in XXXX. When i didnt i called again and at first the rep claimed no such promo existed. I then told her i had a screen shot of the promo i used with my unique identifier on it. After a few transfers i was notified i did not meet the requirements and would need to go in to a branch. Due to coronavirus it is unacceptable to send a customer to a branch to receive a bonus they 100 % qualify for. 

I will now list all requirements along with my actions taken and upload all supporting documents. 

1. Visit branch ( went to XXXX XXXX XXXX ) 2. Deposit atleast {$25.00} ( I deposited {$23000.00} ) 3. Have {$15000.00} on day 30 and day 90 and have 5 or more transactions post in 90 days ( I had {$15000.00} average all throughout and posted well beyond 5 transactions in 90 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 monetary relief
Consumer complaint received 2021-10-16
Company: Southwest Recovery Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I closed my acc with XXXX XXXX XXXX ( a processing credit card payment company ) on XX/XX/XXXX in good standing to switch to a different company with better rate. Even after closed merchant acc and not providing services, they still try to to steal ( debit ) my bank monthly. So we had to go ahead change our bank acc number. 
On XX/XX/XXXX, they sent me an email claiming that i have a balance of XXXX $??? I guess they tried fo steal from our bank but can not, and that {$87.00} is original from their monthly fee of a closed account that they think they have the right to collect. Another word for it is Fraudulent Bill. 
XXXX created their own fraudulent bill, keep adding up on what so call unpaid balance to XXXX $ ( attach is the image of their bill as of XX/XX/XXXX ) Finally they try to have XXXXouth West Recovery Services to collect it for XXXX $??? ( attach is the image as of XX/XX/XXXX ) I attached all the pictures to prove im honest and telling the truth. Since the date i closed my merchant account til now. 
I called SWRS to validate the debt, first they acted like their computer was down so they couldnt locate my account. Then a week later-today A lady named XXXX from South West Recovery Services call me while im working and harrash me on an unvalid debt, i told her i will report this to Federal Trade Commison & CFPR . She said OK OK like she dare me to report her, then rudely hang up on me. 
Technically they tried to hold my good credit XXXX for their unvalid and unaccurate debts with hope to scam some more out of us. They target newly business owners like me, dont speak very good XXXX and have know so little about law, with hope we will give in so they can take advantage of us more and more. Like throwing the spagetti to the wall and hope it will stick somehow. 
XXXX XXXX XXXX created fraudulent bills for SWRS to collect. Then SWRS use the same method that XXXX XXXX XXXX use. Debt parking on random people with hope people settle an fraudulent and unvalid, unaccurate debt when theyre trying to apply for mortgage/loan because the negative mark on credit reporting they wrongly created could hurt the chance for these innocent people of securing a loan. 
These company think theyre above the law somehow, scam people everyday and think theyll never get caught. Im wondering how many of their victims already did fall and will fall for their scam?? very sad Any more question or proof, Please dont hestitate reach me at XXXX or XXXX Thank you so much Sincere 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 2021-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Dear XXXX After reviewing your response to my dispute letter of charge-off account. You didnt do a investigation on the account : Capital One I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX, attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting.

1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again.

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.

Im carefully tracking all correspondence with your company. 

I think 30 days should be long enough for your company to complete this investigation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CITIBANK, N.A.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sunoco gas credit card numbers were stolen per Sunoco customer service phone conversation in XXXX. She stated it was being used in Ca and throughout Pa and said they were cancelling the card as I agreed. I wanted to ensure I was not responsible for any charges and she replied no since the credit card agreement states that in written form. Since then they have placed this fraudulent debt on my credit report when they were fully aware the credit card number were skimmed I believe they called it and is common problem. Long story short I filed in XXXX in Delaware Court and the judge agreed that I should not pay for this debt when their own contract states that I am not responsible for these charges so they were court ordered by a judgement to pay their charges to myself which they did in addition to court fee 's. I assume everything was clear until XX/XX/XXXX letter I received from their security department requesting I call them and I did XX/XX/XXXX @ XXXX XXXX and spoke with XXXX. He noted everything as I answered his questions and he also agreed that this should be closed and taken off my credit report. On XX/XX/XXXX dated letter again requesting I call their security department as I did XX/XX/XXXX at XXXX XXXX and spoke with XXXX who reviewed the notes and also agreed that this was closed and all the info they have in their notes and should be removed from my credit report. He stated I now should contact Fraud Research dept. XXXX XXXX XXXX, XXXX XXXX, DE XXXX which I did again. I have spent hours on this issue and the court agreed I was ot responsible for any payments under their credit card agreement but this is still going on.

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 2022-03-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX Your company is in clear violation of the law. Under XXXX XXXX XXXX - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( XXXX ) IN GENERAL Subject to subsection ( XXXX ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 


XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. 
( XXXX ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( XXXX ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Home Point Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The loan modification was completed and filed with the XXXX County Courthouse XX/XX/XXXX with the new payment of {$2200.00}. We have continued to make this new payment since XXXX of XXXX ( when loan mod started ). Home Point Financial has been our mortgage company since day one ( apparently the loan had a different service last year. HPF claims the last servicer didn't file the documents internally or transfer with the file. After speaking with them nearly weekly for the last 3 months I finally spoke with a Supervisor yesterday ( XX/XX/XXXX - XXXX ). He mentioned that the payments have been properly posted. However, unknown to him the underwriters still haven't made it official in their system which causes continued charges, fees, late credit issues and negative reporting with the credit agencies. 

Our credit ( both my wife and myself ) has gone down over 100 points since beginning this process last XX/XX/XXXX. We have never been late or missed one payment yet this continues. 

Home Point Financial Loan # XXXX Loan Mod # ( XXXX ) XXXX XXXX ( Supervisor ) extension : XXXX Enough is enough - fix the files, terms, and payments that both of us agreed to, signed and filed with the local courthouse. Also, the terms were to erase any and all negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Mortgage Research Center, LLC
State: RI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX XXXX 2017 I applied for a modification of my mortgage with XXXX XXXX XXXX XXXX. I retained the services of an attorney to assist me. My attorney 's office attempted on several occasions to contact my mortgage servicer but was repeatedly told that there was no modification department and that they had to contact the original mortgage originator ( the person ). Ultimately, my attorney 's office sent a complete modification request package with a standard RMA, Income Verification, Bank Statements, and a Reason for my Hardship. This request package was faxed and emailed twice, only to be returned without explanation. 

My complaint centers around the fact that mortgage servicers, such as XXXX XXXX, are by law supposed to have accessible mortgage assistance programs and policies in place so that consumers may access them in times of hardship. A review of XXXX XXXX 's web-site shows that there is nothing available that can be found to direct consumers on how to go about applying for loss mitigation assistance. 

I am sure I am not the only mortgagor who has run into this road block and I believe that this type of stonewalling consumers to prevent them access to mortgage assistance programs that should be made available can only be resolved by seeking the assistance of the Consumer Financial Protection Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Meridian Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Meridian Financial is trying to make me pay for a time share that I never purchased or want and Have never seen. They have put three different collection notices on my credit and continue to call and won't stop. I returned a false billing letter from them about 60 days previous after calling and speaking with a rep. from their firm explaining they must have the wrong party and I sent it back to them so stating via the US post office with a required signed return certified to them. They have since posted three different amounts for collection all on the same day XX/XX/2018. to our/my credit, the amounts are {$930.00}, {$880.00}, and {$810.00} are the amounts on my credit for collection currently. This is all false as I informed them and that would be willing to defend myself in court if they so chose to do. My wife and I have no income other than our Social Security and can not afford more than what our cost of living, medical and food is now much less buy some kind of vac. thing anywhere. They were informed of our financial situation but seem to just ignore facts. Please help. My daughter checked this company out on the internet and found that they have a record of this kind of thing and many complaints filed on them. We have good credit because we do not spend what we don't have and I think that is why they used us, some how they have our name and address but we never have signed any thing or would do so. Thank you, 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 2022-09-18
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-02-15
Company: Avadyne Health Holdings, Inc
State: IA
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 had cataract XXXX back in XXXX of XXXX. Originally the first eye was to be done in XXXX and I received a call from the medical provider stating that I would receive a " substantial discount '' if I moved the XXXX to XXXX. I started receiving bills after the surgeries that did not match up with my health care provider and the amounts for the two dates of service was different even though the procedures for both eyes were the same. I contacted my health insurance provider and it took them to decipher what the medical provider had done. Apparently even though all of his companies are at the same location and you do not have to go outside to go from one business to another they use different provider numbers and some of the numbers that were used were out of my network. They have told me what the correct billing amount should be and I have yet to be provided with those statements which also should include the discount promised due to the inconvenience of me rescheduling my XXXX. Instead of providing the information they retained a collection agency who was, on more than one occasion asked to provide the statements and as of this date they have not been provided and instead are reporting this debt to the major credit bureaus and is currently affecting my credit. 
Please note : The email attached dated XX/XX/XXXX was actually written on XX/XX/XXXX and was sent but for some unknown technical issue was not sent and I found it in my draft email box.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13
Company: EQUIFAX, INC.
State: MO
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 been disputing accounts that are not accurate on my credit reports. Not only was I a victim of fraud many accounts where opened in my name. I asked XXXX to remove a Public record reported in error they verified then removed it placed it back on my credit without notice. I called the bankruptcy courts & public records they advised me they do n't report to the credit so they did n't place it on there. I also asked then to remove all inquiries that did n't have accounts attached to them due to the stolen identity no changes. I also have addresses I have never lived at on my report. They have also deleted accounts & placed them back on the credit reports again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I opened a bank account with chase bank and used my over draft for roughly XXXX.  Shortly after opening I suffered A XXXX and was out of work so I was unable to deposit the overdraft back into the account in A timely manner. I asked A family member for help to clear the account and they wrote me A check in which I deposited into the account. The family informed me the next day she wrote the check mistakenly from the wrong check book. ( She has multiple accounts ) I immediately contacted chase and asked them to do a stop payment on the check so that it would not become available and overdraft my account more. They stopped the check and all was fine. Eventually the account closed due to me not paying the XXXX in time. I went to open a bank account and was informed chase has reported " Account abuse '' on my banking history report. I never abused the account and it was closed due to the overdraft. I spoke with XXXX XXXX who informed me to write a dispute. I completed the dispute and has had no outcome or resolution since. I informed chase in branch rep that I would be willing to pay the XXXX as I am back working. But I would like the incorrect info removed. I informed her it should have showed closed die to overdraft because that's why I owe the balance. I was informed they sent an email but due to cornavirus they're not sure when I would get a call back. It's been almost A month and this is still on my banking report with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 ( by marriage ) Date of Birth : Feburary XXXX, XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX PA XXXX On XX/XX/XXXX I contacted Transunion by phone at XXXX at XXXX by my phone number ( XXXX ) XXXX. I called and asked to be connected to the fraud department due to 11 UNVERIFIED AND UNAUTHORIZED Hard inquiries on my account. I explain to them that these Hard inquiries were made WITHOUT PERMISSIBLE USE on MULTIPLE OCCASSIONS and that due to the FAIR CREDIT REPORTING ACT THEY MUST BE REMOVED. After transferring me 3 times and having to explain my situation 3 different times I was so upset with how they mishandled my request to remove these unverified and unauthorized inquiries off of my report. I did not endorse these inquires and Never gave anyone of the below companies permission to check my credit. I have contacted each creditor directly in which they stated they had no known record of me or any information regarding these inquiries which is why they can not contact the bureau themselves and remove the inquiry which is why I called the credit bureau. 
XXXX XXXX XXXX  Requested on XX/XX/XXXX XXXXXXXX XXXX XXXX  Requested on XX/XX/XXXX XXXX XXXX XXXX XXXX Requested on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Requested on : XX/XX/XXXX XXXX XXXX XXXXXXXX Requested on : XX/XX/XXXX Transunion XXXX XXXX XXXXXXXX XXXX XXXX Requested on : XX/XX/XXXX XXXX Requested on : XX/XX/XXXXXXXX XXXX XXXX Requested on : XX/XX/XXXX XXXX XXXX XXXX on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Requested on : XX/XX/XXXXXXXX XXXX XXXX Requested on : 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