BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This will be a third complaint against Chase Bank. 
I wanted to add another complaint to my previous complaints in regards to the closure of my bank account with no notice prior to being lock out onXX/XX/2020. 
I was also at my local bank located at XXXX XXXX State Route XXXX, XXXX XXXX on XXXX denied my remaining balance. When I went into the bank the refused me my funds which I stated in an earlier complaint. The additional complaint is now in regard 's to the follow up call XXXX I had from Chase in which XXXX a chase representative ( XXXX Ex XXXX ) in regard 's to my first XXXX complaint in which she told me my local bank should not have denied me my funds when I went into the Bank to receive them and that she would investigate. 

This still does not give me any access to my funds. When asked when I would have access she would not give me a time frame. I would think in a national pandemic regarding banking during this time it would be unheard of to deny me my funds at the bank. 
I have medical issues going on and I am in the middle of being seen for heath issues. I now can not see doctors because the Bank refused me my funds and I only have a Chased debit and credit card. I don't no all the laws requiring this with Covid19 with Banks. 

See other XXXX complaints for full details. 
Case # XXXX, # XXXX 1. Investigation into best practices within Chase. 
2. Reinstatement of my bank account and any damage done to my credit if done by Chase.

3. Damages for loss of business and suffering.

4. Audit of local bank for refusal of my funds on XXXX 5. Funds immediately available. 
6 .Explanation and apology 7. Copies of my complaints with Chase made available to me- local bank and on phone have refused me these. 
8. Bank statements of my account from the beginning of when I opened my account made available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: CAINE & WEINER COMPANY, INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original company was XXXX XXXX. They submitted a collection to Caine Weiner ( I have never received anything from this company ) stating an amount was still owed, after they sent me a cancellation notice showing a XXXX balance, and effective the date I requested my policy be cancelled. I wasn't even due to renew the policy with them until two days after the cancellation. XXXX came back after the fact, with a cancellation notice, showing a balance of {$79.00}, and claimed it was various accumulated fees. I told them if I in fact owed such fees, why wasn't I charged with them at an earlier date, when they claim the fees were for. It did not make sense or sound right ( legal ), and I felt I did not owe a balance, and they should honor the cancellation notice that I was sent, immediately after my request to cancel the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The late payments reflected on XXXX XXXX XXXX XXXX is not correct, I was not late on the month shown on the credit report, re investigate it and fix the accounts 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 2019-08-22
Company: EQUIFAX, 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:
Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.. Delete 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 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: WELLS FARGO & COMPANY
State: CA
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 XXXX Balance : {$0.00} WFDS XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 2018-07-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have applied for a personal loan for XXXX dollars on XX/XX/2018. I advised the loan officer that it was to help my sister to get her back on track with her mortgage while her husband is battling with XXXX. The application was taken and process. 

On XX/XX/2018 at XXXX XXXX i received a call from the underwriter stating that she can not approve me for the whole amount but a counter offer will be submitted and I was to hear back from the bank. 

On XX/XX/XXXX I called to see what was going on at my local bank and no one was willing to talk to me. I got a hold of another underwriter at XXXX who told me that " We do not do loans to help pay off mortgages '' I was in shock!! They made me a 2nd counter offer after I was advised that they do not approve anyone to help pay for real estate mortgage payments. I asked them to return my points back to my FICO score for not disclosing the truth from the beginning and they refused. Had I known this I would have never applied for the loan. 

This is FRAUD and this information should be disclosed in its ENTIRE so as a consumer can make a proper decision. This is absolutely misleading. 

Please 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 2019-08-22
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/19 I placed an online order with company XXXX XXXX XXXX XXXX California. This order was for a regularly stocked motorcycle part, and should have shipped within 30 days. This order was placed with a Navy Federal Credit Union credit card. The purchase price was {$1300.00} After receiving no shipping information for over 30 days, I contacted XXXX XXXX on XX/XX/19 via email and did not receive a response. After another email was sent on XX/XX/19, I was told my order would be shipping XX/XX/19. After failed attempts to contact the seller after this date, I canceled my order on XX/XX/19. The owner of XXXX XXXX informed me the refund should be visible on my Navy Federal Credit Card within 2-3 business days. 

No refund was received, and I started the dispute process with Navy Federal Credit Union. I provided copies of emails from the merchant, where he explained in writing my order had been cancelled. A temporary credit was issued by Navy Federal Credit Union. On XX/XX/19 I received a letter from Navy Federal Credit Union informing me that no billing error occurred and I would still be responsible for the charges of {$1300.00}. 

There have been several XXXX complaints filed against XXXX XXXX for similar issues with no resolution from the Company. 

It is unfortunate that Navy Federal has chosen not to protect its members from fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX  in my previous complaint did not address why they violated Regulation B and did not respond within 30 days. there is a message received on XX/XX/XXXX XXXX XXXX from XXXX with XXXX XXXX Bank in XXXX that he received my application. the bank sent the denial on XX/XX/XXXX almost 90 days later. I feel that I was treated unfairly and then XXXX XXXX  called with denial that did not explain all the reasons for the denial and instead they discouraged me to proceed with the refinance because of the high rate in my situation and instead told me to apply for the modification that was denied. they refuse to provide me any additional options. the only option they may consider is short sale which I refuse to do and want to stay in the house

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 2021-02-25
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:
There are numerous accounts listed on my credit report that I do NOT have knowledge of. This was a result of malpractice or an error.

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 2021-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a return payment in an account that was never late. The only return payment was XXXX and I made the payment right way. I tried explain than that its not fair they close an account after almost 2 years whitout any fee specially now in the middle of a pandemic. They close the account today right away and after 5 days of the return. They never provide any information about it and this is going to destroy my credit. Also I have another account that they close too. Its 2 differnts accont and they are using this against all my accounts. Its insane they close both account same day without any late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
In the XXXX credit report for a closed mortgage account with CHASE MTG the STATUS says " 120+ DAYS PAST DUE '', and in the details inside had the comment " Paid after forclosure proccess initiated ''. I have tried unsuccesfully to fix this innacurate info three times in the past 6 months. First, the Status is incorrect because the account was settled and closed with a Short Sale agreement. I called XXXX and they said that " 120+ DAYS PAST DUE '' is the " Condition of account when last updated by creditor or otherwise '' Second, the inside comment is not relevant nor accurate, because the settlement supersedes any other previous condition in the account, and it should be AT LEAST mentioned in the report. Chase itself afirms in the answer to my complaints : " Were required by the Fair Credit Reporting Act to ensure that our credit reporting is accurate. '' How accurate a report can be if fails to mention the current status and includes a comment about a condition that not longer applies?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Purchased one office chair in XXXX. XXXX sent two, then issued XXXX return. I got confirmation that they received return. However, they recharged me in XXXX for another chair. I had paid for the chair I bought, but their internal investigation keeps saying that my bill, now accumulating late charges for months, is correct. I got one chair and paid for it, but I am still Being reported as delinquent. The bank behind it, XXXX, sent me a letter stating that the investigation was closed and they were right. Please help.

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 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.. Delete 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 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
Consumer complaint received 2019-11-07
Company: LEXISNEXIS
State: CA
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: Old information reappears or never goes away

Complaint:
A company named LexisNexus is reporting a judgement I received more than 7 years ago and they will not remove the information from their data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: WELLS FARGO & COMPANY
State: CA
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:
WFDS XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 2018-04-02
Company: EQUIFAX, INC.
State: TX
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:
Two collection accounts have just appeared on my credit report. They are from XXXX XXXX XXXX XXXX and XXXX XXXX. These should not be placed on my report! They are fraudulent! See old dispute letters!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: 2288984 Ontario Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company is reporting debt that is not mine on my credit report. i have written letters directly to the address on my report and never received a response. This derogatory information has impacted my scores dramatically and this debt is not mine. I have asked on countless occasions for documentation to show where this debt originated from and signed literature showing this belongs to me and none has ever been provided. I want this erroneous information removed from my credit report. i do not owe this debt. 

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have sent a certified letter to this credit bureau requesting verification of how they verified these creditors XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, US DEPT OF ED, and US DEPT OF ED. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

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 2019-11-12
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
there where Fraudulent Transactions from XXXX XXXX XXXX on my Bank Account i Currently Dont Have XXXX XXXX XXXX and there where charges {$430.00} and i never did any Business with XXXX XXXX XXXX and never Purchased anything i fill a Dispute with M & T Bank for the Fraudulent Charge {$430.00} M & T Bank Still Has No Completed The Investigation and its Been Over a Month And The Dispute Was Open In XX/XX/2019 M & T Bank is Taking a very long time To Complete and The Agent From M & T Bank Doesnt Have Any Futher Information i call them the on XX/XX/2019 and said to me they dont have any information about this Dispute and it could take 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 explanation
Consumer complaint received 2021-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
BOA continues to send me emails, violating my right as a consumer by harassing me through email attempting to collect as a debt collector. Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I am demanding that you cease all forms of communication with me through any and all mediums.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
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 already reached out to Equifax and to XXXX XXXX and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX /XXXX  XXXX is still appearing on my credit report. However, the attached document demonstrates that the account was dismissed with their collections agency and therefore no longer making me responsible for the account. The tradeline needs to be removed.

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