BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-16
Company: STERLING JEWELERS, INC.
State: MD
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 reviewed a copy of my credit report and I show company KAY JEWELERS account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
For 3 years I have traveled to XXXX and used my chase debit card, the first 2 years I was refunded all non chase atm fees as I was informed by customer service that since chase has not atm in XXXX, I was entitled to refunds which I received 2 years. I again traveled to XXXX last 2 weeks ago and accrued not only non chase atm fees but numerous fee exchange fees. Why do I have pay an exchange fee when chase delays the authorization and then charges me the rate of exchange from XXXX dollar to us dollar the next day? the previous 2 years I never had to pay exchange fee, I do n't get credit from chase when the dollar is in my favor so why do I get charged when the dollar drops? I spoke with XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX x XXXX and she adjusted {$32.00} on XX/XX/XXXX, I left her 2 voice mails on XX/XX/XXXX and XX/XX/XXXX and she has not returned my call. I am requested the balance of non chase atm fee and fee exchange fee of {$48.00} to be credited to my chase account, thank you. As of today I have not had my phone calls returned or has my complaint to the BBB of New York been answered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: DE
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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) {$5600.00} XX/XX/2019 has violated my rights. 15 U.S.C1681 section 602A. States I have the right to privacy 15 U.S.C 1681section 604A section 2 : it also states a consumer reporting agency can not furnish an 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 2019-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a victim of fraud and my case was denied and Bank of America is refusing to refund the money. I reported the fraud to the Bank of America XXXX XXXX XXXX within 24 hours of the fraud commencement. I spoke with XXXX. ( you said no name ) The case involves a juvenile who is my XXXX XXXX XXXX daughter who was threatened and intimidated by online organized theft network based on going police investigation pending Case number for the checks fraud for the amount {$9600.00}. 
Based on Banking laws, the bank shall be liable and not the account holder. 
Please inquire and let me know final Bank of America decision in order to know the next step. At this point, I want to avoid taking the case to the Federal Reserve to judge in this matter. 
Sincerely

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 2022-04-04
Company: Resurgent Capital Services L.P.
State: AL
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 checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have filed a few complaints about BBVA Compass Bank. Their response was just posting the bill of sale of the motor vehicle and financial loan information without any explanation. BBVA Compass Bank also had committed fraud the information that was sent in response to me listed that the sales date of the car was XXXX XXXX of XXXX. I did not purchase the vehicle on XXXX XXXX of XXXX. I did not sign anything until XXXX XXXX of XXXX. XXXX XXXX was also the same day that I had put {$4000.00} dollars down as my down payment. So BBVA Compass Bank approved and made the sale of the vehicle on Monday XXXX XXXX of XXXX. I did not purchase the vehicle until Tuesday XXXX XXXX of XXXX. So that would be them either commuting some type of fraud or making the financial loan invalid. That making me Not Responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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:
Hi I have been victimized and my information has been used fraudulently without my knowledge. I have recently checked my personal credit report and saw many accounts that I have no business with. I am sure I am a victim of identity theft. I would like to follow the correct steps to get this back in order again because this is just not fair. Now that I actually want to use my credit for something I can't because of these degenerate thieves. I am asking for your professional assistance in getting this rectified with the credit bureaus who have nt been much help 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 explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I HAVE REACH OUT TO XXXX MULTIPLE TIMES ASKING THEM TO REMOVE THESE OUTDATE INVALID ACCOUNTS. THE ACCOUNTS ARE REPORTING AS CHARGED OFF ACCOUNTS WITH AN ACCOUNT BALANCE AND THEY ARE OUTDATED - XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Experian Information Solutions 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:
XX/XX/2019 the amount on 1st account is XXXX. 2nd account is XXXX. 3rd account is XXXX. I have filed a identity theft affidavit, and has ask to creditors reporting agency to provide me proof and verify these accounts because these accounts are inaccurate. The creditors can not verify these accounts and has no prof that these accounts belongs to me. I want these accounts verified from the credit reporting agencies before they start reporting inaccurate accounts and derogatory accounts on my credit report. I want a fair investigation on all unverified accounts thats on my credit report.

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 2019-07-02
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: Account information incorrect

Complaint:
XX/XX/2019 the amount on 1st account is XXXX. 2nd account is XXXX. 3rd account is XXXX. I have filed a identity theft affidavit, and has ask to creditors reporting agency to provide me proof and verify these accounts because these accounts are inaccurate. The creditors can not verify these accounts and has no prof that these accounts belongs to me. I want these accounts verified from the credit reporting agencies before they start reporting inaccurate accounts and derogatory accounts on my credit report. I want a fair investigation on all unverified accounts thats on my credit report.

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 2021-05-16
Company: Receivables Management Partners, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$140.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Servis One, Inc., Titusville, PA Branch
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I acquired a home improvement loan on XXXX XXXX, 1997 XXXX XXXX XXXX XXXX XXXX in the amount of {$30000.00}. The  payments are XXXX per month and these payments have been consistently drafted out of my personal checking account. BSI, the financial service that collects for this company, sent me a bill stating that I owe approximately {$19000.00} and to settle this account, I will need to pay {$27000.00}. The letter indicates that non-compliance would lead to foreclosure. Upon my investigation, XXXX XXXX XXXX XXXX does not have a physical address as indicated on their website. This loan is not on my credit report and from my understanding, credit reporting is not a common practice with this business. Strange!!! 

XXXX XXXX XXXX XXXX XXXX utilizes unfair and deceptive business practices along with preying off the weak or consumers who lack knowledge. 

Lastly, in corresponding with the Pennsylvania Department of Banking and Securities and the Florida Office of Financial Regulations, BSI Financial Services and XXXX XXXX XXXX XXXX are not registered to collect debts from consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Experian Information Solutions Inc.
State: LA
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:
showing missed payments that were n't missed and this account is closed and purchased by XXXX and reporting old factual data

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 2021-05-16
Company: EQUIFAX, 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:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( Bankruptcy Chapter XXXX, Bankruptcy Chapter XXXX, ( 2 ) XXXX XXXX XXXX, TN Child Support ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In the wake of the recent data breach, I checked and found that my data had " probably '' been compromised. Financial experts on TV recommend putting a freeze on my credit so that no one can take out credit in my name. To do this I understand I am supposed to contact all three agencies. Today I tried to access the Equifax site to place a freeze and discovered that there is a {$10.00} charge for Michigan residents to start, lift temporarily, or permanently remove a freeze. No one mentioned a fee. And there is no explanation as to why a fee is being charged. I assume all the agencies charge fees. It seems to me that I am being asked to pay {$30.00} per action per freeze by the very people whose incompetence make a freeze necessary. Mark me down as an unhappy consumer. By the way, CFPB is the best thing since sliced bread. I hope the current regime lets you continue to do your important job. Blessings!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 DOB:XX/XX/XXXX SSN:XXXX ADDRESS : XXXX XXXX XXXX , XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX  XXXX {$1100.00} XXXX  XXXX XXXX  XXXX {$500.00} XXXX/XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL 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 2021-05-16
Company: Receivables Management Partners, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company RMP SRVC LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$50.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened this store credit account to purchase a couch from XXXX 's XXXX XXXX on XX/XX/XXXX in the amount of {$890.00}. I made continuous on-time payments and eventually saw that fraudulent purchases were made on my account. 

After realizing this, I took care to contact Wells Fargo in XXXX to let them know of the fraudulent charges made. I spoke with a representative who made a report and claim on my behalf, and assured me I would be contacted back about this. Fast forward 2 months, and in XXXX, I notice more purchases made on this card which I had assumed was frozen/closed. 

I contacted Wells Fargo a second time to express my distrust in their security and also made another claim to let them know I had only ever authorized XXXX purchase in my home city. Who needs to buy furniture in XXXX different cities? 

I received mail stating that on XX/XX/XXXX, XXXX " miscellaneous debit adjustments '' were made on my account after I had formally closed it in XX/XX/XXXX. This tells me that my fraud claims were denied and dismissed. 

I called Wells Fargo again on XX/XX/XXXX and asked to reopen my claim. I have no faith that Wells Fargo will honor this, and I should not be held responsible for purchases I did not make. I can only hope that by making this report, I can deter anyone from using Wells Fargo 's credit lines offered in XXXX 's XXXX XXXX. Especially due to the fact that their store credit cards do not have expiration dates, nor CVV codes on the back to verify the cardholder 's identity. Anyone could simply guess a credit card number, and it would eventually be approved with no resistance. 

As luck has it, I'm in the middle of the process of purchasing my first home, and I am dealing with fraud at the same time.

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 2020-06-22
Company: Comerica
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Direct express/coamerica is where I get my social security benefits and has a contract with the federal government. They are not only completely unprofessional they are operating illegally. I submitted a dispute back in XXXX and followed all the proper procedures as outlined in their online process explanation. One excuse after another they done nothing but push the date up of when the dispute was received by them. Over 90 days later and no resolution to the dispute or no credit has been issued to my card. They have been taking money off my card and no sending the payment to the businesses. This has resulted in me being taken to court by several businesses and facing tons of fines for late fees, disconnect and reconnect fees which quadruples the amount of the dispute. Ive since lost my card and unable to get through to a single person for several months to get the card cancelled and to get the money reimbursed to me. Each time I call I get hung up on and then transferred to the the survey. Also several places have issued me refunds to the card and they have never put a refund back to my card for any of these refunds. I am not able to communicate with this company at all and they have no desire to follow any laws. Im not only requesting them to be responsible for all the charges Ive faced for their unlawful activities Im asking they lose their government contract as they dont know how to follow your policies and companies that break federal laws arent allowed to hold government contracts

Company response to consumer: Closed with monetary relief