BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In cfpb Complaint No. # XXXX, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent a letter to Chase and requested for " VALIDATION '' of debt. They refused to send any valid information but the summary of an account. Yet, after many months, they refuse to settle the charges per the regulations. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-02-02
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i noticed on my credit report that i owe {$230.00} to XXXX XXXX XXXX ; however, i never received anything in writing

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the validity of the account from XXXX - XXXX XXXX XXXX on XX/XX/19 with the credit bureaus. They said that the debt was verified and did not remove it. On XX/XX/19 I sent a letter to XXXX directly requesting them to provide me with validation of the debt such as a contract with my signature and an account summary. On XX/XX/19 I received a letter from XXXX stating that the debt was " verified ''. I did not ask for verification I asked for validation. They did not send any of the validation documents to prove that I owe this debt. I want this account removed from my credit reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent 3 letters to Navy Federal asking them to provide me with documentation required by law with my signature showing I had some contractual obligation to pay them this alleged debt for {$6700.00}, they are reporting to the Credit Bureaus. They have refused to respond. I am also filing a complaint with the XXXX  and my state attorney general XXXX XXXX because I have documented proof they have violated federal and state laws. I have asked for validation associated with this account, bearing my signature. In the absence of any such documentation, I am formally requesting that this information be deleted from my credit files immediately. 

On XX/XX/2023 at XXXX XXXX Navy Federal signed for my XXXX letter requesting within 30 days to validate the account or delete it. They did not respond or delete the information. 
On XX/XX/2023 at XXXX XXXX Navy FederaXXXX signed for my 2nd letter, informing them by not replying in a timely manner ( 30days ) to my initial letter dated XX/XX/2023, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
On XX/XX/2023 at XXXX XXXX. Navy Federal signed for my 3rd letter informing them they also did not mark the account as being " disputed '' required within 30 days under federal law.

FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I have NEVER been so DISAPPOINTED with ANY COMPANY as I currently am with Barclays. 

On or around XX/XX/XXXX I requested a cash advance offer from Barclays for {$10000.00} with a ( 3 % ) {$300.00} service fee. On or around XX/XX/XXXX I then received a request from Barclays to call in about suspected fraud on my account and that all my cards were locked until I called in... all to be put through the very painful process of verifying via the phone tree and then in person, my identity and to confirm I had indeed requested the {$10000.00} advance Barclay 's offered me " for my protection '' which btw was/is a load of XXXX, its was for the bank 's protection, not at all for my protection. 

Now, here 's where it gets better ... Barclays then screws up the {$10000.00} advance and instead hits me with {$30000.00} in advances on my credit and {$900.00} in fees because I have ( 2 ) additional authorized users on my account. Mind you all the while Barclays only ever deposited {$10000.00} into my checking account. 

This then overdrew my available credit and forced me to close down ( thankfully ) another open Barclays card with a {$12000.00} credit limit, and I had and to shift that available credit limit over to BARELY cover BARCLAYS MISTAKE!!! 

On Mon XX/XX/XXXX I was told by Barclays " this will take 1-2 week to remedy ''. 

Then my credit cycle refreshed on XX/XX/XXXX, and my credit score has now taken a 45+ point nosedive because of BARCLAYS MISTAKE. 

Today ( 15 days later after being told XXXX weeks ) Tuesday XX/XX/XXXX when I called in to discuss why BARCLAYS MISTAKE hasn't been rectified I am now being told it will now take 1-2 BILLING CYCLES to fix. 

Lastly, XXXX currently has a promotion to obtain Base Points towards MOSAIC status, something I am about to lose, by spending {$15000.00} on my card from XX/XX/XXXX to XX/XX/XXXX... XXXXbut of course now, I can't do that, because BARCLAYS MISTAKE has not only crashed my credit rating, but additionally artificially hamstrung my available credit limit until close to XXXX. 

And I haven't had 1 person BARCLAYS who could make me feel comfortable that ANYTHING will be done to rectify BARCLAYS MISTAKE or make any minimal accommodations for what is just been an ABSOLUTELY AWFUL, WOEFUL, PITIFUL customer experience.

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 2018-04-11
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Discover bank deduct {$21.00} from my bank account for the reason of mis calculation of cashback rewards previously. I don't believe that I was not eligible for the cashback at that moment. What's more it's against the law for a bank to directly take money from a customers account without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: VA
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:
Deparment of education/XXXX is reporting a 90 days late payment in XX/XX/XXXX for 20 different federal student loan accounts with XXXX  & XXXX & 22 accounts with equifax, but the accounts were never late because they were all in forbearance from XX/XX/XXXX until XX/XX/XXXX then paid in full through consolidation XX/XX/XXXX. I sent proof of the loans ' status history from the department of education to XXXX and all 3 credit bureaus & requested that the late payments be removed, but they have not been removed. These late payments are causing a huge impact to my credit score as there are so many accounts that the late entry is multiplied by. I need this corrected asap. I have attached the documentation showing the loan 's status history where it was never late as well as my statement from XXXX from XX/XX/XXXX showing no late balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempted to get my annual free credit report through XXXX and every single time I did they said there was an issue with my request. I attempted this 3 separate times and every single time they said they were unable to provide me with a report based on the information provided. I know thats not true because I have requested my credit report multiple times in the past without issue. Now all of the sudden Im not allowed to get it when I need it? I need my credit report to apply for a new house to rent and without this report Im 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 non-monetary relief
Consumer complaint received 2021-11-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo notified me they were closing my account for false reasons on my 10th anniversary with them. They immediately blocked deposits to the account and held onto my federal salary that was transmitted to them the same day. I am still trying to recover those funds. My account only ever receives deposits from my federal salary, federal health savings account and federal travel reimbursements to closing the account immediately is draconian. This is a measure meant for drug dealers and money launderers. If they do not want me a a customer giving me a months notice would have been the right path to take so I would be able to make arrangements. 

They appear to feel they don't make enough money from me and are using bank secrecy laws to attack me rather than treating me as a customer.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: NC
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : 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 non-monetary relief
Consumer complaint received 2023-05-19
Company: Velocity Portfolio Group
State: NJ
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:
XXXX XXXX XXXX. 
{$890.00} XXXX XXXX XXXX XXXX. 
{$450.00} XXXX XXXX XXXX XXXX. {$900.00} I see those account in my credit report those accounts are unauthorized I will like them to be removed removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was previously disputed directly with the collection agency. This account has been sold 3 times to different collection agencies. I asked the Collector to give me proof of this debt, ownership, right to collect, and some other details about the collection and no response was received. Please note letter will be attached, collection agency never complied to it and they should remove my file and cease all collection info furnished to credit bureaus. Agency is in violation of the FTC and FDCPA by not complying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: World Acceptance Corporation
State: SC
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:
World Finance is showing that my account opened with them was in XXXX of XXXX, which is incorrect. My account with them was open in XXXX which is also when they received a last payment from me. The branch was located on XXXX XXXX in XXXX, SC. All 3 credit bureaus are reporting different information. I tried to resolve this issue with the company several times. My account was not opened in XXXX. With it being opened it XXXX, which is well over the 7 year mark it should have been removed from my credit report. This company is not reporting accurate dates and the dates shouldnt have not started opened even if another branch received the account, its not lawful to do so. I will like this incorrect information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
XXXX and Midland Fund is in violation of the FCRA. I ask that human review this case because the issue has yet to be resolved. In accordance with US Federal law all creditors when reporting a debt must report the first date of delinquency. In an effort to re-age the debt the creditor has decided to list the day they purchased the debt as the legal date of delinquency. This is a violation of the law. The law states you must report the first date the account was delinquent. The first date of delinquency was in the summer of XXXX and not XXXX of XXXX as reported by Midland. They have been asked to provide proof showing the first date of delinquency with the original creditor was in XX/XX/XXXX. They have been unable to provide that proof and written statements from the company have acknowledge that they are not reporting the first date of delinquency. If this debt is not removed by XX/XX/XXXX I will be filing a lawsuit against Midland and XXXX is the Georgia state small claims court for the state maximum. This has gone on for to long. Midland is aware they violated the law and XXXX is being a complicit partner in their crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XXXX XXXX, XXXX, I attempted to access my credit report, as directed from the FTC 's annual credit report site. I was able to obtain both my XXXX  and XXXX  reports in a short amount of time. However, when I attempted to access the free Equifax report that I am entitled to by law I was presented with a series of baffling and unanswerable questions ( unanswerable because the assumed conditions did not apply -- for example, one question said " Your credit report indicates you may have leased a vehicle beginning in XX/XX/XXXX, from which company .... '' Since I did not lease any vehicle ever, that is an impossible question to answer. The other questions were similarly inscrutable, involving student loans I never took out, bank cards I do not hold, and the like. 
After failing these tests, I was directed to mail very sensitive personal information in hard copy INCLUDING Social Security number. That is obviously not a secure method of seeking information and does not fulfill their obligation to afford me access to my own credit report. I tried again and got a similarly bizarre set of questions that I " failed. '' This is not the first time I have had a similar experience with Equifax, which leads me to believe this is an intentionally unfair practice designed to deter consumers from exercising their rights under federal law. As such, Equifax should be investigated and their practices brought into line with their obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: GA
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:
The following companies have claimed that I owe them an alleged debt but did NOT receive my WRITTEN CONSENT to allow for these accounts to be placed onto my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per section 15 USC 1681 as a consumer I have the right to prohibit information from being used in connection to any credit or consumer transaction. 

I have attached the proof of these alleged being placed onto my accounts.

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 2021-11-02
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX XXXX XXXX. I started a plumbing company and did well for a year and a half then the vivid pandemic hit. During the pandemic, I had to shut down for XXXX weeks due to a covid scare, then my main income, which was plumbing in new custom build homes, stopped due to the strain of the pandemic on my customers. I applied for different Covid assistance programs but the money for businesses was already depleted before I could get any help. This put me in debt and as a result I had to shut my company down. I have XXXX late payments on my truck loan with Santander USA. Late payment one was XXXX of XXXX, late payment two was XXXX of XXXX, and late payment three was in XXXX of XXXX. I also suffered an eviction after a short time with no heat or water due to the loss of income. Since XXXX I have gained and maintained a steady income, paid off the majority of debts/collections I accrued, and paid my bills on time. I currently live with my mother and need to get a new home, a mortgage advisor suggested I call Santander USA and attempt to have the late payments removed so I can qualify for a mortgage before XXXX of XXXX. I also have been declined by rentals mainly due to the late payments Santander USA reported during a worldwide pandemic. I offered to make extra payments or do anything proactive to have the late payments removed and Santander USA refuses to remove any late payments accrued during the worldwide pandemic that everyone, especially small business owners, was effected by. I believe I should be given the opportunity to have these late payments removed considering the worldwide pandemic that was happening and hope that you can help. 

XXXX XXXX XXXX XXXX XXXX : XXXX Email : XXXX Company in complaint : -Santander USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: WELLS FARGO & COMPANY
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Company would not fix a fraud issue with XXXX. They suggest using XXXX but will not do anything about a fraud transaction.

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