BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AN ACCOUNT KNOWN AS WELLS FARGO CREDIT CARD SERVICE HAS A CLOSED ACCOUNT SHOWING ON MY CREDIT REPORT THAT WAS OPENED ON XX/XX/XXXX, AND CLOSED XX/XX/. THERE IS NO MONEY OR DEBT OWED.

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 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft

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 2023-01-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase closed my account while traveling, it was an older account I had opened. An unknown chargeback went to the account while I was away causing the account to overdraft. I am enrolled in paperless statements and never got a notification or a phone call of this overdraft. They closed my account and now wont let me access any historical statements. They claim you can access them in the branch, the branch referred me to collections who then referred me to customer service who is completely useless in this scenario. 

Ive had several accounts opened with other major banks and never once saw a scenario like this. Including to refusing to share my bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Ingo Money, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I attempted to do a mobile deposit into my XXXX account and the check cashing company Ingo Money sent me an email stating that the check was accepted and was pending deposit and then advised me to write void on the check and resubmit the voided check image. I did as they requested and then they denied the deposit and I can not get any other financial institution to honor the check because it has been voided out. I have been corresponding with Ingo Money for the past month trying to get this resolved and every time I am advised to resubmit the check deposit and they will cash the check but they have not. This check is for {$790.00} and has caused me to fall behind on my rent and utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent Transworld Systems a letter requesting validation of a debt they claim I owe. My letter requested for evidence of this alleged debt including my signature. Transworld responded with insufficient validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Performance Settlement, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
My complaint is about Performance SLC, LLC taking advantage of my time of need and misleading me into paying for services that I could have performed for free. In XX/XX/XXXX, their services reached out via text about applying for student loan forgiveness. When I called the provided number, it directed me to a representative that said they could help with my loan forgiveness. They suggested that I consolidate all my students loans before making payments and they asked me various personal information about my background and employment. I sent pictures of my pay stubs to evaluate what payment plan would best fit to annual income. My account was created XX/XX/2017 and they put me on a payment plan of XXXX a month and the first payment was made XX/XX/2017. I thought everything was moving well until I started getting noticed about my due balances to my student loans. I then looked up reviews about Performance SLC and XXXX XXXX XXXX online and found out that other students have fell victim to this company misleading agenda for money and third party involvements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied for Chase Saphire twice and got denied, they give me a list of reasons but are not very specific. I finally called for a reconsideration and I was told that the reason I got denied is because I have a bankruptcy and a charge off with them from 2007. I have never filed for a BK and I was not aware of this charge-off account with Chase, I do not see it on my credit report so I'm assuming it must be a mixed file or opened without my consent. I asked how I could resolve this and was not offered any solutions. 

I am currently looking at my credit report I do not have anything public records. I have credit cards with XXXX, they recently gave me an automatic increase for having an excellent payment history and I also have had a XXXX XXXX XXXXXXXX XXXX for 11 years with an excellent payment history. Why not consider those? I have been maintaining good credit and plan to keep it that way. There is one Fraudulent account with XXXXXXXX XXXX only reporting on XXXX that I have been working on resolving but everything else is current and balances are always kept under 30 % I don't feel they gave me a proper reconsideration. Seems they also missed the fact that I am an authorized user on a Chase Credit card with a credit limit of {$24000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent over a police report, fraud identity report, along with my id and social security number and a copy of XXXX several times to XXXX, TransUnion, XXXX. I have been a victim of identity theft and have taken all the available procedure available to me to get them to report accurate information on my credit file. I have never had a late payment in my life prior to the identity theft that started XXXX. They keep reporting XXXX credit cards in access of {$70000.00} in my name, XXXX XXXX {$9000.00} and to XXXX XXXX XXXX as late XX/XX/18, XX/XX/18. That is impossible because they automatically withdraw from my checking out since the first payment for the lease. Please have them make sure they only report ACCURATE Information.

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 2018-09-22
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my XXXX credit report and I notice that there are 8 unauthorized inquiries listed on my report. The only one that I am aware of and take responsibility in authorizing would be the XXXX inquiry made on XX/XX/2017 for a personal loan that I currently have with them. The other seven especially the inquiry from XXXX XXXX XXXX XXXX, I did not authorize. With XXXX XXXX XXXX XXXX they could not run my credit with my understanding due to me not having any identification to identify myself. I had forgotten my driver 's license and was refused service when I made them aware of having no ID on hand. XXXX customer service representative had no right to submit my application if it was not complete. XXXX XXXX, Corelogic Credco, and XXXX XXXX are companies that I have never heard of nor would allow them to have access to my personal information such as my social security number to pull any information about me. I did not sign anything from the list of companies I just mentioned.

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX ) I have sent 4 challenge letters to Transunion , XXXX , and XXXX . Each time they say that the account has been verified ... How can they verify that this account is reporting 100 % accurate if they are all reporting different information? they have not conducted full and proper investigations is the answer ... .I am attaching a copy of my report so that you can see all of the inaccuracies in the reporting ... first off the account # includes the letter L which in reading is a metro 2 violation. XXXX is not reporting terms and the other 2 are. account status are different, high credit is different, the comments are way different ... 2 of the bureaus do not even have the comment that it is in dispute which is a clear violation. date of last active are all different, date of last payment are all different and the 2 year payment history is totally different ... XXXX is reporting ok, XXXX is reporting a new charge off every month which is killing my score and transunion is reporting nothing

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 2022-07-13
Company: EQUIFAX, 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 Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND FUNDING who has recently been sued by the CFPB and is currently under investigation by the California Department of Financial Protection and Innovation has illegally parked a collection for {$1300.00} in my XXXX  consumer credit file. This act was committed without providing a XXXX notice in an attempt to force me to pay an unsubstantiated debt. Midland Funding LLC and Midland Credit Management had just previously submitted this same collection to XXXX without any notice, however XXXX immediately deleted the unverified collection. I disputed this debt directly with XXXX on XXXX XXXX, XXXX, the same day it was inserted. MIDLAND FUNDING again flagged and updated this collection with XXXX on XX/XX/2021 while it was being disputed with XXXX. I called XXXX again on XX/XX/2021 to inquire as to why my credit report was again flagged for this same collection. MIDLAND FUNDING proceeded to additionally flag and update this collection on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and as recently as XXXX XXXX. After approximately 3 phone calls with XXXX and multiple updates from XXXX, I was not sent a dunning letter, but instead I was sent a bill in the amount of {$1300.00}. I then sent a validation request directly to XXXX, I did not receive the requested validation but instead received a second bill dated XX/XX/2021 requesting payment of the {$1300.00}. This second bill was sent while the debt was under dispute and proper validation was not requested and not yet received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My name is XXXX XXXX and I am in the military traveling trying to get a situation taken care of as fast as possible. I paid off my lien to this vehicle in 2016 with a company called Gateway One Lending & Finance. They were acquired earlier this year by your company who has advised me because this loan is so old, you do not have my account or records. 
On XX/XX/2016 Gateway One Lending & Finance provided me with the enclosed letter stating I had met my financial obligation and paid off the loan. They also included a copy of the contract stamped paid. I have included a copy of this as well for reference.

I traded this car in recently and they are in need of the title. I have been activated for hurricane response and this is creating some significant issues. I am asking that someone please assist me with my situation, provide me with a release of lien so I can get this released with the state of IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
State: NV
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 noticed in the past that there were ( 2 ) small student loans ( dated Open : XX/XX/2011 ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any 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 explanation
Consumer complaint received 2020-07-07
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I noticed the debt on my credit report, I attempted to contact the contact : Enhanced Recovery as they were listed on the credit report. 

I spoke with an agent after negotiating with XXXX XXXX XXXX XXXX and Enhanced Recovery that the debt would be deleted if paid. 

Enhanced Recovery notified me that they would delete the debt once I paid the agreed upon settlement. I requested a letter in writing or via email before payment. The representative stated they could not send the letter until it was paid. 

After calling Enhanced Recovery, A XXXX XXXX XXXX and credit bureau about the misleading statements, no one has deleted the collection. 

I called Enhanced Recovery several times and explained the misrepresentation when I made the payment. Several agents have responded with, " we do not pay to had the collection remove, call the credit bereaus. '' Another stated, " ask the credit bereaus what to do to have the debt removed and have them remove it. '' I have asked for a manager, no call as of current and have called daily. The company Enhanced Recovery lied to me, took my payment ( verbal contract which is valid since they received payment ) and did not keep their end of the agreement. 

Please assist as I have done everything I was supposed to do as I could and have fixed my credit in order to rectify my life as it is affected by the reporting of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Chase had someone call me while my wife was in the hospital for XXXX complications. They offered to lower the amount of my payment if I could pay it off immediately which was fantastic so I did it right then. What I didnt realize is how this showed up on my credit and the repercussions for doing so. My wife gave birth and then I found out what this did so I immediately called chase and said I wanted to pay off the difference of the settlement and did not realize what this did to my credit report. The person said they didnt think I could but was going to check into it since it was not explained to me. They were supposed to call me back and never did. This process was not explained to me and I was in a very bad place with my wife having XXXX difficulties during COVID restrictions at the hospital. All I want is to pay off the difference so this shows as paid in full. It doesnt seem like a difficult request to satisfy a debt but it has been a nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 noticed in the past that there were ( 2 ) small student loans ( dated Open : XX/XX/2011 ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any 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 explanation
Consumer complaint received 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello I am having trouble with the Bureaus removing hard unauthorized inquires. I just submitted a complaint against XXXX. now its Transunion. these 7 inquiries are causing me problems getting approved for Credit. it is very stressful. along with my health issues,. please, see if you can resolve this matter. thanks.

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 2020-12-31
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CITIBANK, N.A.
State: TN
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:
Please send me proof of charges. There looks like there was Charges of APR fees monthly after statement date, this is violation. cant add interest or fees, or charges not authorized in the original agreement. Extra fees must be in the terms. Where is the proof that I made these charges, your company has been in so many data breach and info has been stolen online. I believe this account has suspicious activity and you did not keep my personal information secure.

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 2021-07-03
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX XXXX, am submitting this on my own behalf. 

This company does not have my permission to contact me or use my information. Additionally, this company has been notified via mail that the debt they are attempting to collect do not belong to me. This company has enough complaints that I assume that they are habitual rights violators. 

Starting with 15 USC 1692, this company has sent repeated notices stating they are collecting a debt : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and I demand that this company remove this information from my credit report, delete any of my personal data and only communicate with me to confirm that this has been removed from my reports. I do not owe this company anything and this debt is UNVALIDATED.

This company does not have permission to communicate with anyone using my personal information, including the credit reporting agencies. Delete this information from my reports. I have been a victim of identity theft in the past and this company using my information is no different.

Company response to consumer: Closed with explanation