BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: CITIBANK, N.A.
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:
please check the following accounts that appear in my report, which were reported without any authorization : Identity Theft DSNB MACYS Account XXXX : XXXX This is not mine. 
Identity Theft Account XXXX : XXXX This is not mine.

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 2019-07-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2019 a consumer report from mystery shopper from the program updated on spam list of emails was reported a lead tipper in financing debt from XXXX cards of infractions of XXXX dollars at a time. the institution revised a debt consultation of board of member to asset the amount an fund the sum in access to the debt collector for shopping compromises sent by domain email subcribers that reported to the family to destruct criteria in the amount proposed as a scam in debt. in the amount the the collection agency was deemed to have paid from the claim and left a revised attempt to collect the debt.

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 2019-07-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Select Portfolio Servicing has preventing me from refinancing my mortgage since XX/XX/2019. Theyve continued coming up with excuses and fees for why they arent able to assign the mortgage to the new lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: SC
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:
I need these reports to go to all three credit bureaus. Equifax, XXXX, and XXXX. The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate. The date last active is inaccurate and date last reported is not accurate. This is grounds for removal also violated my rights under 1581.

15 USC 1581 Section 694 A It so states the right to privacy.

15 USC 1581 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 2020-04-24
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midwest Recovery Systems, LLC has placed a collection account on all three of my credit reports, and reported to all three credit reporting agencies, XXXX, XXXX, and XXXX, about a debt that I do not owe to them, nor did I ever receive any written documentation about this alleged debt. This does not allow me the opportunity to dispute the validity of the debt. This company is in violation of the The Fair Debt Collection Practices Act ( FDCPA ) in its practices. 

By reporting an alleged debt that was never validated or confirmed to credit reporting bureaus, this has caused my credit score to plummet significantly. I feel this is illegal and also tactical on their part to manipulate consumers to pay on debt without going through the proper procedures as mandated by the FDCPA. I also question if this company is licensed to collect debt in my state and if they are trying to collect on alleged or phantom debt, which may go beyond statute of limitations by state. I question the legality of what this company is doing to collect on unverified and unsubstantiated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSWORLD SYSTEMS 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 disputed a medical bill on my credit report that doesnt belong to me with XXXX  on XX/XX/01 i filed an FTC report and police report they continue to still report the collection account on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Old information reappears or never goes away

Complaint:
OnXX/XX/XXXX - I received an alert that a medical debt collections was added to my credit file ( Experian ). This debt was paid with the original creditor and a letter was provided that states all debt information and the entire reporting will be removed from ALL of my credit files ( XXXX, Experian and XXXX ). I am showing that it was removed from XXXX, but now it shows on on the others. This debt should have never been on my credit file as I never received any letters or calls and was told they had an old address that I have not lived at for several years. So, how was this even added to my credit file with no knowledge or no contact being made?

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 2019-07-09
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First, I did not utilize the benefits ( Discover Payment Protection Plan ) on the account to keep the account open. There are over {$1000.00} worth of fraudulent charges on the account. I have them listed below. Secondly, I am able to pay about {$40.00} a month. There are other customers, at Discover Card, paying {$40.00} a month on their account. He is being discriminatory. He may be racist. My health is failing and I need to purchase a used vehicle very soon. I would not like this fraudulent balance on credit report. He did not notify me of my account closing, he said it was caused from one or two things. Anyhow, he closed the account unlawfully. I had this account for 18 years, however, when people are busy with other accounts they tend to not look over their statements accurately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: GA
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:
By federal requirements youre all supposed to investigate certified mail that I sent you. Over the course of the last six months I have spent my hard earned money to be able to afford sending you mail that you guys are required to investigate. 

You all should be ashamed of yourselves as companies you guys have caused me a great deal of anxiety and stress Once again each unless one of you companies are willfully noncompliant when it comes to my affairs.Let this be your final warning and I notice to all of you. 

My attachments are attached to this complaint.

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 2017-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
criminal stole debit card and pin #. took out around 4 to 5k from account. 
XXXX XXXX XXXX says we took all the money our selves, and there was no criminal taking money out of our account. 
The bank never contacted us of unusual charges on debit card. 

They are protecting their own money, and XXXX us. 

we have all proof of the debit card 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 2017-10-03
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:
On X/XX/2017 I contacted all 3 credit bureaus to dispute inaccurate information reporting on my credit report. I supplied them with the accounts in question and it is now XXXX XXXX 2017 and I have not heard from XXXX  or Equifax at all regarding these matters. Additionally, XXXX 's only response to my dispute was to send me a copy of my credit report with nothing to show the outcome of my disputes in question. This is completely unprofessional and a violations of my rights as consumer. This inaccurate information has kept me from obtaining new credit. Please remove it immediately. I have attached each letter that went out to the credit bureaus to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: MI
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 disputed inaccurate information reporting from a company named " XXXX XXXX XXXX ( XXXX ) '' for {$280.00} and " XXXX XXXX XXXX '' for {$880.00}, every XXXX XXXX for XXXX ( XXXX XXXX XXXX consistently. I have complained that about these collection companies with any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I placed an order via Paypay and I never received the order. This order was back in XXXX XXXX 2017. I made a complaint with paypal and they did not help me with my situation. The individual who took money from me never gave me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, 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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed there were still a couple of items on my credit report that are not mine. This is unacceptable. I've reached out to the FTC and my local police department and I am doing this on my own behalf. I need these items deleted from my report. 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 2017-10-03
Company: ProCollect, 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:
XXXX/XXXX/XXXX I was contacted by XXXX XXXX of Procollect for an oustanding debt of {XXXX}. I asked what the payment arrangements were because I am not able to afford to pay this off all at once. He told me I could do 6 months which works out to {XXXX} per month. I told him that I could not afford that and were there any other options and he stated no and that he was going to mark my account as refusal to pay. I asked to speak to a supervisor and he refused. 

I asked him to send me something in the mail to validate the debt. I honestly have not received any letters from this company. He said he needed to look up my account again, said something about late rent, asked if I had a pen and paper so I could write it down and then he refused to validate the debt, saying that your company has already sent me something.

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 2020-04-24
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: Account status incorrect

Complaint:
XXXX XXXX XXXX, third party collection agency, for an original debtor, plain green corp date XX/XX/XXXX. This debt was never verified. They never sent me a bill or proof of this debt. Already reported this in collection to Trans Union back in XXXX. I disputed this back in XXXX, XXXX and it was removed from my Credit Report on XX/XX/XXXX. 

I receive an alert from XXXX XXXX that there was a negative item reported to TransUnion. I have called Transunion and are of no assistance. Though I have the credit from XXXX, Transunion and it clearly states this item will be removed on XX/XX/XXXX. It was, until it was re-reported again now. Same Company, same amount. 

This situation has made me sick, I have worked diligently to rectify my credit for over 3 yrs. Letter,  disputes, filing complaints. Now this again. How is this legal? This debt, whatever it is, is beyond the stature of limitations of reporting since it is from XXXX. 

They are now starting to robo call me. As of today. 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 2021-06-11
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is my formal complaint that your company is in direct violation of the Fair Debt Collection Practices Act, and the Consumer Collection Practices Act in my State. I sent a debt validation request to your office on XX/XX/2021. XXXX Exhibit A ) Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I made a formal request for the verifiable validated proof and/or the original signed certified consumer contract with a wet-ink signature on it of this account that is reporting on my credit reports. A certified original contract to verify this debt. Copies of copies are not considered validation. I believe your firm violated the above act ( s ) as follows : 1 ) Collector failed to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) ; 2 ) Collector failed to provide a valid basis for debt, such as the original contract/agreement, promissory note between Consumer and original creditor, bearing Consumers wet-ink signature ; 3 ) Collector admitted in their correspondence dated XX/XX/2021 XXXX Exhibit B ) that they do not have the original contract or any loan origination documentation in their possession ; 4 ) Finally, the collector failed to provide an affidavit signed under Penalty of Perjury that collector has not violated any portion of the Fair Debt Collection Practices Act. 
You should be aware that reporting invalidated information to major credit bureaus might constitute in defamation of character. 
In my previous letter, I requested that you have the debt removed from the four credit bureaus to which you supplied the information. The account was not removed, this action, as I mentioned, is a direct violation of my rights.

As you have failed to respond to my validation request in 30 days, I am requesting that you remove this unverified invalidated account from all four credit bureaus.

Otherwise, I will be forced to pursue legal action against you, as outlined in the FDCPA.

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 2017-07-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Starting onXX/XX/XXXX, my personal and business accounts at Chase Bank were frozen, and I have since learned that they were fully liquidated, with all my money being sent to XXXX. There was roughly {$27000.00} in my business account, XXXX XXXX XXXX. In my personal account, named XXXX XXXX XXXX  and XXXX XXXX XXXX, we had our paychecks in there and this amount was roughly {$16000.00} at the time. On the evening of XXXX XXXX, my wife and son left for a 4 week trip to XXXX, with all the accounts frozen. I was to follow, but ca n't now. This all our free cash, and we need it, bills are mounting.
On XXXX XXXX or XXXX, a trust account from US based law firm XXXX XXXX sent me {$870000.00} from their XXXX account to my XXXX XXXX XXXX Chase account. This wire was done to fund a real estate transaction, on behalf of their client. My fee for assisting in the real estate matter is 3 % ( of all amounts ) or {$26000.00} in this instance. My fee is non-refundable. I then wired {$840000.00} out on behalf of that client.
<P/>
Four or five days after I executed the transaction, a suspicious activity alert was sent to Chase, and both my accounts were frozen, then drained. No one consulted me in this process. I called both banks numerous times and never got much information out of them, about who did what. I also sent them both faxes, stating I have paperwork on the transaction and client in common. XXXX stole all my family 's money. I also submitted a compliant against XXXX to Ic3.gov and will be calling the FBI. I have in my possession a signed contract, emails, a drivers license and a passport.
I also lodged complaints against XXXX and Chase with the OCC.
<P/>
I was calm for the first few days, as I thought it would get sorted out as Chase told me they would send me all the funds in my personal account, after closing it. I could live on that, while the business transaction was researched. Chase also told me to call XXXX XXXX at XXXX and he would clear it up and allow Chase to release my assets. XXXX never responded to me, but I finally got to speak with XXXX XXXX, there. XXXX told me I am not a XXXX client and they ca n't speak with me. He told me to call Chase and Chase should have known better. I have noted all the calls with the banks, client and have emails and a paper trail. I would had complained much sooner to the authorities, but Chase kept stringing me along, as I mentioned. They also said I would have it all back within 10 business days. The Law firm & the banks needs to give me all my money back. I was a 25 year client with Chase, and this madness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
For the past two or three months, I have been charged a {$15.00} fee. There is no description or reason listed for the fee on the monthly statements. I reached out to PennyMac and XXXX claims that I was late on my mortgage in XX/XX/2018 and XX/XX/2018. I have NEVER been late on my mortgage. I was participating in a plan because of Hurricane Harvey and as a result, I should never have been charged any fees, penalties, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Bread Financial Holdings, Inc.
State: NJ
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 these items that are not mine and i want them to ber emoved from my credit report. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft COMENITY BANK/WAYFAIR Account Number : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage in full on XX/XX/XXXX. The bank stated I would received the funds in my escrow account in 15 days. Today is XX/XX/XXXX, 15 days later and I have not received any funds. In fact the bank had not even begun the processing the return of the escrow funds until after I reminded them. Bank continues to discriminate against me by giving me a hard time at every turn, failing to abide by what they promise and not caring at all when repeated mistakes occur.

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