BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional offer for a Wells Fargo XXXX XXXX XXXX XXXX. Included in this promotional offer was a {$300.00} cash for {$3000.00} in charges during the first 3 months. Wells Fargo included fine print that said that I am not eligible if I received another promotion during the preceding 15 months. Wells Fargo had this information at the time Wells Fargo solicited my credit card business. Wells Fargo determined that I was not eligible for this promotion, but they accepted my application for the card and did not inform that I was not eligible for the promotion. Wells Fargo should not solicit credit applications from people using a promotion that they are not available to receive when Wells Fargo has that information at the time of the solicitation. Worse, Wells Fargo should inform accepted cardholders that responded to a promotion that they are ineligible to receive, that they are ineligible to receive it. Wells Fargo is comfortable that they solicit credit applications from potential customers that are ineligible for the advertised promotion and does not feel the need to disclose their determination of ineligibility to the accepted applicants. This is wrong. I informed Wells Fargo Credit Card executive office, and they are comfortable with both the misleading solicitation and the lack of disclosure. This was confirmed to me by XXXX XXXX on XX/XX/2019.

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 2023-06-20
Company: Experian Information Solutions Inc.
State: MN
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 confidentiality under 15 USC 1681. 


Account NameXXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or list of inquiries 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2021-11-18
Company: Professional Medical Management, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today is XX/XX/XXXX and I responding to communication from Financial Recoveries. In your last response you stated that a letter was sent to me on XX/XX/XXXX and XX/XX/XXXX. Please provide me with proof of this letter that was sent that I NEVER received. Please be advised I have requested validation { not verification } of an item reported to you by the original creditor XXXX XXXX, I have received a response that does NOT indicate or prove I approved this credit transaction with my social and ID. Second, please provide me with a HIPPA release form that has my signature stating I have granted Financial Recoveries to have any information about me allegedly being in or at XXXX XXXX. I would also like to see any medical documentation stating I have bill from XXXX XXXX. There is no law under FCRA or United State Constitution that states in order for a fraud account to be investigated, documentations are needed from myself ( which was stated in the last response ). I am well aware that I am the consumer as well as the original creditor in all credit card transactions and I am highly aware of my rights. This is my final demand for deletion of this account or I will move forward with legal action against Financial Recoveries for multiple violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: CCS Financial Services, Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 USC 1681 Section 604 " States rights to consumers privacy. '' Reporting agencies can not furnish an account WITHOUT my WRITTEN consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Credit Karma, LLC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 Credit Karma deactivated my debit card due to a fraudulent charge. After I asked them to not do that until I could pull my funds out they said the card was already shut off. I have been going round and round with them so I can have access to my funds. Almost a week later I still can't access my money. I've tried linking my external bank account to them so I can transfer the funds and I can't link them. They keep telling me that they are working to solve the problem. I feel at this point they are holding my funds hostage by not allowing me access to my money. 

Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
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: Information belongs to someone else

Complaint:
I have been the victim of identity theft and have been in the process of removing all fraudulent items. Here is a list of the remaining fraudulent inquiries : XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Experian XXXXXXXX XXXX   XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: Colony Brands, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I been disputing this company i never heard of they keep reporting as charged off everytime XXXX removed it they reported it back i even call this company they had my name spell wrong i advised them i never heard of this company i stay in a duplex with the same address we how to put. Right or left on our addres. This company name XXXX XXXX XXXXXXXX XXXX XXXX XXXX wi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
I sent all three credit bureaus a certified letter, requesting an investigation/ deletion of this hard inquiry from, XXXX XXXX XX/XX/18. It has now been well I've r 90 days and still no response. This has cause great hardship and stress as well as it has caused my credit score to go down drastically causing me to be denied credit and home loans. The credit bureaus have not complied with the FCRA laws that were put in place to protect all consumers. The bureaus have a responsibility to report accurate information and respond to disputes within a timely manner.

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 2018-04-18
Company: Altisource Portfolio Solutions, S.à r.l.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm getting debt collectors calling almost every day asking to collect on a card that doesn't belong to me and isn't under my name. Sometimes they ask for a different person 's name, sometimes they don't say anything and just hang up. This started happening right after I got a car loan. These are the dates, times, and phone numbers ( different numbers, I'm assuming it's the same company ) : -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX - XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX  ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX  ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX   ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX  -XX/XX/XXXX at XXXX XXXX : ( XXXX  ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX  -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXX at XXXX XXXX  : ( XXXX ) XXXX -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX - XX/XX/XXXX at 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 2018-12-20
Company: EQUIFAX, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
I sent all three credit bureaus a certified letter, requesting an investigation/deletion of this hard inquiry from XXXX XXXX  XX/XX/18. It has now been well over 90 days and still no response.This hard inquiry have caused great hardship, stress, and has caused my credit score to decrease drastically. The three bureaus have violated the FCRA, laws that protect all consumers. They are suppose to report accurate information and to respond to consumers within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter off to XXXX XXXX XXXX asking them to VALIDATE a debt and they sent me back a bill that not VALIDATION. I would like for this account to be removed from my credit file. This account is stopping me from getting a house and I would like for it to be removed.Account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was sent a letter XXXX 2015 shortly after roundpoint started servicing my new mortgage. They were saying that I did n't have proper insurance for my condo so I sent the a copy of my XXXX policy and the associations master policy. I was assured by my mortgage originator that the coverage passed underwriting and was within XXXX guidelines. When calling to follow up with roundpoint I was told that the fax went to a central location and it would be days before it was fixed. I never heard anything back until moths later getting another letter stating that they were forcing me to use their insurance company since I did n't provide proof of insurance. At that point I got my mortgage originator involved and we sent the proof to the fax number provided from HIS office and got confirmation of delivery. Then about a month and a half later on XX/XX/XXXX I was notified that I was charged {$1900.00} for insurance which is an unbelievable number since my insurance is slightly over {$30.00} per month and the dwelling ( condo ) is covered by the HOA with a XXXX dollar policy. Now unfortunately I am stuck due to the servicing violation at the hands of roundpoint mortgage servicing because my impound account is in the rears. After multiple attempts between XX/XX/XXXX and now I have tried to contact them by phone and get the run around. They can never give me a manager on the phone and keep telling me that there is nothing that can be done. I have multiple emails showing that I scanned and emailed them and faxed the proof of insurance and it has now cost me tens of thousands of dollars.. That sounds like a stretch as my damages might seem like they should be {$1900.00} for their forced insurance that was n't needed or legal so let me explain. A few weeks ago mortgage interest rates had dropped to the lowest point of the year. Unfortunately I could n't take advantage of a refinance because the balance on my impound account is now at a NEGATIVE {$1500.00} so in addition to the closing costs I would have to pay the negative that was caused by their fraudulent insurance and enough money to establish a new impound account which should have already been in mine and carried over. The difference between my current rate and the rate I could have received when they dipped when amortized would have been tens of thousands on top of the fact that they will be raising my payment on a FIXED loan to cover their insurance. I have gone through all of the standard protocol up to this point and have no other option to ask for your help in this matter. It seems that if I am having these issues with this company others must be too and they should be audited and forced to pay ACTUAL damages plus penalty for almost on purpose overcharging and abusing consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been placed in collections on XX/XX/2018 by Midland Funding LLC  for the balance $ XXXX. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt.This is not a request for "verification" or proof of my mailing address, but  request for VALIDATION made pursuant to the above. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec, 809 {b} that your claim is disputed and validation is requested.I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following:- What the money you say I owe you is for?- Explain and show me how you calculated what you say I owe:- Provide me with copies of any papers that show I agreed to pay what you say I owe:- Provide a verification or copy of any judgement if applicable.- Identify the original creditor.- Prove the Statute of Limitations has not expired on this account.- Show me that you are licensed to collect in my state.- Provide me with your license numbers and Registered Agent of Service.At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus (XXXX, XXXX, or XXXX) this action might constitute fraud under Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion {to any/all the 3 major credit reporting bureaus: XXXX, XXXX, and XXXX} requests shall be sent to me immediately.If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion {to any/all the 3 major credit reporting bureaus: XXXX, XXXX, and XXXX} requests shall be sent to me immediately.I would also like to request, in writing, that no telephone contact (including computer generated calls and calls or correspondence sent to or with any third parties) be made by your company to my home phone, cell phone or my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
OCC # XXXX WORKING ON RESOLUTION, XXXX WAS MY MORTGAGE HOLDER AND I PAID MY HOUSE NOTES TO XXXX. THEY RAISED MY HOUSE NOTE 100 % FORCED ME INTO FORECLOSURE BY RAISING IT FROM XXXX TO XXXX AND I PAID THEM XXXX ON MY FIRST LOAN LOAN # XXXX TO GET OUT OF FORECLOSURE BUT WOULD NOT COME DOWN FROM XXXX. THIS IS THE ONLY LOAN THAT WAS FORECLOSED ON AND LOAN XXXX WERE NEVER FORECLOSED ON. 

THE SHERIFF 'S DEED ACTION YOU SPEAK ON XX/XX/XXXX ARE FROM LOAN # XXXX. 

ON A LETTER THAT I JUST RECEIVED DATED XX/XX/XXXX YOU STATE. BELOW, YOU SAID XXXX GAVE A QUIT CLAIM DEED TO XXXX XXXX. THEN YOU SAID XXXX XXXX AND HIS DAUGHTER XXXX XXXX  PURCHASE THE PROPERTY FROM XXXX XXXX FOR XXXX IN COMPLAINT XXXX XXXX XXXX XXXX OF XXXX XXXX STATED THAT THEY FACILITATED THE SALE ON XX/XX/XXXX. 

ON XX/XX/XXXX YOU SAID THE XXXX PURCHASED THE PROPERTY FROM MY LENDER XXXX XXXX XXXX FOR XXXX. 

ON XX/XX/XXXX XXXX XXXX XXXX MY SERVICER PROVIDED ME A DISCHARGE OF MORTGAGE AND CONGRATULATED ME ON A PAID UP LOAN AND THE OCC ARE WORKING ON A RESOLUTION ON MY BEHALF IN REFERENCE TO THE CASE ABOVE. 

PLEASE TELL THE FACTS OF WHAT TRULY HAPPENED?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the fraudulent credit card accounts being reported on my credit reports to no avail. This is very frustrating. Nobody is doing an actual investigation into the claims, yet the bureaus keep telling me the accounts have been " verified ''. Verified by whom??? They are not my accounts and can not possibly be " verified ''. The following accounts are not my accounts and need to be permanently deleted from my credit reports! 
XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Credit usage 95 % Balance {$6600.00} Balance updated XX/XX/XXXX Credit limit {$7000.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - PAYMENT HISTORY LEGEND Status Closed. {$820.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$820.00} Highest balance {$7400.00} Monthly payment {$67.00} Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit XXXX 's request Completed investigation of FCRA dispute - consumer disagrees Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX JPMCB CARD XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$2600.00} Balance updated XX/XX/XXXX Credit limit {$2000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2600.00} Highest balance {$2600.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
All 3 credit reporting agencies are in violation of my fair credit rights, they are reporting late payments 15USC168a ( 2 ), invalidated charge off and collection on my reports, as well as refusing to remove old address from my report, I have filed a complaint with FTC and will continue to do so until the violation are 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 non-monetary relief