BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: WELLS FARGO & COMPANY
State: NY
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 a loan with XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, and Wells Fargo Card Service. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and ( Account Name ) with no successful resolution. There was definitely an error on their part.

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 2018-10-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Problem with J.P. Morgan Chase. 
Our business, the XXXX XXXX XXXX XXXX XXXX, has held accounts and credit cards in good standing with J.P. Morgan Chase since XXXX and until now they have acted efficiently and professionally. 

However, on XX/XX/XXXX, our CPA asked when we would mail payment for his tax preparation. We asked if he had received XXXX # XXXX, dated and mailed on XX/XX/XXXX. When he replied that it hadnt arrived we immediately contacted Chase and placed a stop payment on the check and mailed our CPA a replacement that he received and deposited. 

Out of curiosity I used Chases phone access to see the status on XXXX # XXXX and learned that the check was cashed by one XXXX XXXX who is unknown to us and the original sum of {$2300.00} had been forged to {$5100.00}, which he received. 

Contacting Chase on XX/XX/XXXX, we reached their fraud departments executive headquarters at XXXX XXXX ext. XXXX where XXXX was assigned to our case and sent an affidavit for the payee and us to sign, mentioning a check image would be enclosed. By Friday no affidavit had arrived and he said it was mailed and did arrive the following day. He created a case number : XXXX and said it would require them to contact the defrauders bank to discuss the transaction and it could take weeks or months, unlike their immediate response to return stolen funds when credit card theft occurs. 

We called on XX/XX/XXXX to ask about the missing check image and reached XXXX voice mail stating that he out until XX/XX/XXXX and XXXX, a colleague, stated that our case had been closed without explaining why and said that they can not provide an image of the forged check. It should appear on our next monthly statement that hasnt arrived yet but Chases evading to make good on a stop-payment check that was forged to more than the double requires investigation!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-18
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX sent me to a collection agency called XXXX XXXX XXXX. 
I tried several times to resolve this account issue but every time I try to contact the company no one has any notation of my contact and I just keep getting sent and transferred to different extensions and disconnected. Someone used my credit card information to make purchases Without my authorization. XXXX XXXX then transferred my account to an attorney which threatened to sue me for a total of {$840.00}. I called the company and let them know that I am trying to dispute this debt but in order to stop them from moving forward suing me they said they required me to make payment which I did for {$71.00}. The only reason why I made the payment is because I do not want them to send me to court and further damage my credit. I did tell him that in the into room I will be fighting and disputing The charge account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received a letter in the mail from Javitch Block LLC about an account of mine going to them to try to get payment. Upon receiving the letter I had called the company to call the company to get a settlement set up. At the time we agreed to {$95.00} a month to be taken out on the XXXX of each month until the full balanced was paid. The lady that we were speaking to was trying to negotiate a higher amount saying that the longer it's in collections the more my credit would be hurt and that a higher payment would significantly help my credit. Finally, I got her to agree with said {$95.00} a month after some arguing and being interrupted multiple times. Early XX/XX/XXXX I received a letter from Javitch Block saying they were taking me to court due to non payment. When I called them they said that the banking information provided to them was incorrect after having the previous associate confirm the account information that I had pulled up that was linked to my direct deposit. At that time we had to re-set up a payment settlement. The associate we talked to this time was a lot friendlier than the first person. This person then said the very minimum I could pay each month would be {$200.00} and that nothing lower could be settled even though the previous associate messed up the payment eventually saying the same that my credit was going to be heavily effected until the balance is paid off. I asked to just be enrolled on auto, but the person refused to get me set up on auto deduct, but asked for the account information eventually, so I figured the auto was set up. Yesterday, ( XX/XX/XXXX ) I received an affidavit saying that my wages are set up to be garnished without needing signature from me, due to my bank already signing off on it.

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 2022-12-13
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:
The credit bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means an consumer report or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated, but how is that possible if the date opened is NOT accurate, date reported is NOT accurate, the date of last activity is NOT accurate, and date last reported is NOT accurate, account status is NOT accurate, and the original creditor name is NOT accurate. 

This is grounds for removal. In accordance with the Fair Credit Reporting act. The Account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX : 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 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions I did not give anyone my written instruction 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2021-03-10
Company: ONLINE Information Services, Inc.
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:
Online Information Services ( OIS ) claims to have some debts in my name. I requested that they validate the debt and OIS responded with a formatted letter that claims validation of the debt. However, the record of the account is printed so small it is incomprehensible. No name, dates, address, amounts or important information can be deciphered from their alleged record of this debt. This is a blatant act to circumvent the Fair Debt Collection Practices Act by using unfair practices in an attempt to collect a debt and avoid validation of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
arg will not provide me with a hipa transcript with what their billing me for if i dont get this i will file lawsuit against atg credit unless they provide me with my hipa transcript

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: DISCOVER BANK
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:
I have submitted request for removal of unauthorized inquiries into my credit report to both the credit bureaus ( XXXX, XXXX, XXXX ) and the companies that requested my credit report ( [ XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2018 ], [ Discover Bank Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX - XXXX Inquiry from XX/XX/2018 ], [ Discover Bank Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX - XXXX Inquiry from XX/XX/2018 ], on three different occasions and till date I have not received a response from anyone of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a heloc loan with Bank of America which I was coached into by their employee. I was told this loan was a fixed rate, which its not, at the time I wasnt sure what I was getting into. Now, the payment has doubled and Bank of Americas bank statement doesnt have a separate line in their statements for accrued late fees they build it in to the mometkg payment. As of right now we are just trying to make the minimum payment and its just not right they they are including the accrued {$70.00}  late fee in the monthly payment. I have complained about this numerous times and nothing has been done.

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 2018-10-02
Company: EQUIFAX, INC.
State: NY
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:
The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report. I have no knowledge of this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CCS Financial Services, Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CREDIT COLLECTION SVCS ( Original Creditor : XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: EQUIFAX, 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:
I have disputed a Chapter XXXX Bankruptcy that is being reported on my file in error. I have requested numerous debt validation request without any response and even contacted the US Bankruptcy Clerk of courts who advised that The bankruptcy courts do not provide information to the credit reporting agencies. The credit reporting agencies, or other information providers, collect information regarding bankruptcy cases from the courts public records. I also pulled a copy of my credit reports and the public records do not even provide the US Bankruptcy Court District that supposedly has the record on file or an accurate case number. I have actually been in communication with Equifax, XXXX, and XXXX  since XX/XX/2019. I am requesting how this public information has been validated and requesting to have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX is reporting a missed payment for XX/XX/2021. On XX/XX/XXXX, customer service rep XXXX XXXX processed a payment for my loan account, but he accidentally entered the wrong amount reach resulted in my account being marked as delinquent. 

When I learned of this I spoke to Communications Center Manager XXXX XXXX on XX/XX/XXXX concerning my account. See attachment.

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 2022-12-12
Company: EQUIFAX, INC.
State: AZ
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 started a complaint with the CFPB already about XXXX. The reference number for the original complaint is : XXXX I received another stall letter from XXXX today in the mail and it is attached to this message. XXXX is stalling and not investigating my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: CA
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or 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 2023-06-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card was stolen around XX/XX/XXXX and I had multiple fraudulent charges that day. I let USAA know that the charges were fraudulent, they temporarily refunded me and conducted an investigation. I reported my card stolen and ordered a new one. They rejected my claim, saying there were no signs of account take over. I called and submitted another request for review ( an agent told me I needed to include the information my card was stolen ), and then it was rejected immediately ( within a day ). 

The charges are as follows : XXXX XXXX, {$9.00} XXXX XXXX XXXX, {$34.00} XXXX XXXX, {$75.00} XXXX {$76.00} XXXXXXXX XXXX XXXX XXXX {$89.00} XXXX XXXX XXXX XXXX, {$93.00} These charges are not mine and I am frustrated at how little help USAA has been.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Absolute Resolutions Corp.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I complaining for the 2 me time against absolute resolutions debt collection agency as my credit report came today with a warning that absolute resolution XXXX reported that my account with them is settled less than the amount due They are laying because they took the whole amount due by a garnishment against my salary This company is destroying my credit. 

Attached is the credit report warning I have received today issued by XXXX  through XXXX XXXX  app

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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 account XX/XX/XXXX, account number 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 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 2021-03-10
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
An agency tried to contact us claiming that a lawsuit was attempted to be filed against me. They claimed that they could not locate me when I have been living at the address for 20 years. I contacted the company who has paperwork with Santander XXXX XXXX and stated that it was for a car, XXXX XXXX XXXX that was repossessed in XXXX. They put it on me and my daughter 's credit report, and when my daughter filed bankruptcy in XXXX it was removed. Now due to the statute of limitations, they are starting to harass me and my daughter claiming documents were sent to my home to mediate and resolve the matter. I told them I have no documents as such, and that what they are doing is illegal when my daughter has filed bankruptcy ( Chapter XXXX ). I asked for them to resend it, but they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX/lXXXX 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 explanation