BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-23
Company: WELLS FARGO & COMPANY
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 just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX XXXX 2. Wells Fargo Card Service 3. 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 monetary relief
Consumer complaint received 2018-09-25
Company: Io, 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:
XXXX  and XXXX  removed a debt collection from XXXX XXXX With XXXX XXXX XXXX that was not mine. On XXXX  the debt collection was not removed and has adversely affected my score. This debt does not belong to me and I have never had insurance with XXXX XXXX. 

Please contact XXXX XXXX XXXX and fix this, because it has affected me getting a loan for a truck. 

Here is XXXX contact info : XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX ) XXXX Toll-Free

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt was placed in collections 2 days ago from an account that was supposedly open XX/XX/2018. I do not have a bright house account and this is not my debt that they are trying to collect. I never received any phone calls or letters from this company ( Waypoint Resource Group ) in the past 7 months. The company does not answer calls or return calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On or about XX/XX/XXXX my vehicle was repossessed. The vehicle information is as follows : XXXX XXXX XXXX XXXX : XXXX I was never notified of a notice of Repossession, nor was I notified of the plan to sell the property. I contacted Santander Consumer ( Finance Company ) on XX/XX/XXXX to get a copy this notice and it still has not been received. They stated it was sent to the following address on XX/XX/XXXX. The representative that I spoke to stated that the letter went out to the wrong address ( so it was never received ). I always wanted to know why the memo went out on the day the vehicle was received. The representative said she was unable to answer these questions and also stated the President of the company will notify me. I still have not received this phone call from the President nor mail correspondence. 

Additionally, I am currently and have been serving on XXXX XXXX ( XXXX XXXX ) for the past 15 years. I am protected under the Servicemembers Civil Relief Act ( SCRA ). The Servicemembers Civil Relief Act prevents car lenders from repossessing a vehicle without a court order while in military service. This act protects me until I depart and separate from military service ( I am still serving ). 

I am disputing this case because I was not given the owed timeframe to recover the vehicle, nor was the intent letter sent to me before the vehicle was repossessed. Now this balance is on my credit report and has affected my score immensely. Additionally, there was no notice or court order, the car was repossessed illegally, I am disputing the payoff balance of {$4100.00}. 

I hope I get the justice I receive. 

Thank you for taking the time to consider my case. 

I can be reached via email at XXXX or by email at XXXX. 

Very Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Beginning in late XX/XX/XXXX through XX/XX/XXXX, Chase XXXX Card and Chase XXXX Card. My previous employer had agreed and had been paying my cards for over two years to cover allowances and company expenditures. We got into altercation in late XX/XX/XXXX, and I quit. He in turn started reversing the charges by lying to the bank stating he never authorized. Even. The banker was aware of the authorization. Once I noticed the first charge was reversed back I immediately contacted chase and informed them of the situation and that I disputed the reversal. I never received any communication back from Chase other than the notice regarding the reversal. Within days, both Chase Card accounts were closed and removed from my online access. I hired an attorney an requested Chase send need my statements from XX/XX/XXXX-XX/XX/XXXX, since I could not access. They still have not provided. The employers ex-wife is in upper management in Chase and I feel she may have something to do with these actions and I would like it investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I suffered a XXXX  XXXX in XX/XX/XXXX. My wife has been handling our families finances. In XX/XX/XXXX we began receiving debt collection notices that we had never known about. I suspected identity theft .i am unable to obtain credit report from transunion or XXXX. Im unable to answer security questions because they dont pertain to me. 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 2018-09-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I suffered a massive XXXX in XXXX. My wife has been handling our families finances. In XXXX we began receiving debt collection notices that we had never known about. I suspected identity theft .i am unable to obtain credit report from XXXX  or experian. Im unable to answer security questions because they dont pertain to me. 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 2018-09-25
Company: Experian Information Solutions Inc.
State: AR
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:
I have contacted the Experian to remove XXXX XXXX for a account that was settled and supposed to be removed from the credit report but still appears

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 2016-07-18
Company: CITIBANK, N.A.
State: RI
Product: Credit card
Issue: Late fee

Complaint:
AT & T Universal Card / Citi received my payment electronically on XXXX/XXXX/16. They credited my payment one day after the due date of XXXX/XXXX/16 and charged a late charge of {$26.00} on XXXX/XXXX/16. I brought this discrepancy to their attention and they refused to remove the late charge.

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 monetary relief
Consumer complaint received 2020-01-28
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$37.00}, {$4100.00}, {$5200.00}, {$0.00}, {$320.00}, {$750.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After paying off a debt to XXXX in the amount of XXXX which I don't believe I owed to begin with, a scam artist collection company called XXXX I believe kept sending me the XXXX bill through collection letters until LIKE AN XXXX I sent this XXXX XXXX collector my original paid in full receipt which they miraculously didn't recieve, HOWEVER it completely disappeared on my credit reports but NOW they just reported it AGAIN XX/XX/XXXX as open and unpaid. This is MafiXXXX type extortion and my credit was finally after years well over the XXXX mark, 100 % on time payment history for 5 years! And these extortionists are ruining my credit again. I need your help PLEASE. I read online this particular collection agency is constantly in legal trouble for trying to collect paid debts, then I heard XXXX XXXX mention them just last week on his show for deceptive practices. Please help, I take pride in my score and it's being ruined by criminals.

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 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have contact all three major bureaus regarding public record reporting invalidly they refuse to properly investigate and remove invalid account from report. Chapter XXXX Bankruptcy has wrong reference/ case number, filing date, liability amount. Liability/asset amount not XXXX, did not file XX/XX/XXXX or XX/XX/XXXX. Also based off new public record law XX/XX/XXXX " All Account invalidly reporting will be removed ''. been trying to get this item removed for 2 years now

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 2018-09-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo sold my mortgage to XXXX XXXX the day after I closed in XX/XX/2007. Wells Fargo claims to be the servicer AND holds the note according to evidence and a statement they declared in my forclosure court case. How can this be possible with no paper trail or any documents showing this sale ever took place tying Wells Fargo and XXXX XXXX together regarding my property? How do I know it wasnt sold again to another investor that will make me liable years from now. The way I would know, according to my mortgage contract, says that whoever holds the note is the owner. Thats not the case, XXXX XXXX owns my loan. XXXX XXXX is the one that must forclose on my property. Wells Fargo sold my mortgage, along with its servicing rights and note, and was too busy to put anything on paper, so they continued to service it, and still do to this day. Not to mention, the note was never actually signed by Wells Fargo. It had a stamp showing the name XXXX XXXX XXXX Vice President Wells Fargo. I bet if we look at hundreds if not thousands of loans from XX/XX/2007, youll see this forged stamp signed off loans All across the country which would mean my note was never properly signed ( or dated ). It was not endorsed in blank which would make it impossible to transfer to XXXX XXXX in the first place. 
Wells Fargo forced this forclosure and in turn I have had to file bankruptcy which is ruining my life. No attorneys will help me, but they can see clear as day, that THIS IS FRAUD. Im tired of my life being affected because of some powerful jerks that dont care about my home. Im not leaving my condo if I have to shackle myself to the front door or Ride a donkey through the front doors or a Wells Fargo branch to get media attention. This is wrong and I NEED HELP. 
Cases exactly like mine have been handled by attorneys and have WON in the appeals courts for millions in damages to homeowners with the exact situation I am in. The difference is they have money for an attorney, I do not.

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 2021-02-27
Company: Secured Resolutions, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This agency put a collection account on my credit report without notifying me. They never called to resolve the debt first, simply parked the account which has recently been a sore subject with the CFPB. I then disputed the debt with the agency and requested validation of debt as my insurance company should have taken care of the bill. They never updated my credit that I had disputed the matter pursuant to FCRA requirements. They did send me a packet of papers that did not validate the debt and was full of incorrect information. When I called back the associate I spoke with told me I had already disputed this and didnt call back in soon enough and offered to resolve my dispute by talking 10 % off the balance. Per FDCPA law, collection attempts can not be made while I actively dispute the debt. These people are impossible to work with and violating numerous laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Bank of America XXXX. XXXX XXXX XXXX XXXX, TX XXXX PH : XXXX Credit card account # XXXX Secured credit card paid in full and closed XX/XX/2013. 

My good account only shows up on XXXX. I Please send me a letter by Bank of America that my good account is on all my credit reports. XXXX. My address is XXXX XXXX  XXXX XXXX # XXXX XXXX, AZ XXXX Phone : XXXX. 
This is URGENT!!

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 2020-06-01
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I'm trying to make a donation through checking account, in order to maximize my donation and not spend any money on processing credit card fees, and they use XXXX for that. It simply states the bank ( PNC ) is " experiencing connectivity issues ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
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: Account information incorrect

Complaint:
I sent a debt validation letter to XXXX XXXX XXXX in XX/XX/XXXX, never received anything in response. I spoke with an account manager on the phone for XXXX XXXX XXXX and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that XXXX is reporting different amounts to each Bureau, and also reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, Trans Union and XXXX both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month XXXX has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.

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 2021-02-27
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted IC Systems Inc. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MN XXXX. Regarding a negative collection account for medical Bill 's that was reported to my credit report. This account was paid in full by my Insurance provider, and the amount owed was XXXX out. I was told by IC Systems that they could not remove the negative collection account from my credit report since the balance was recalled by the original creditor. I demanded that they remove this negative information from my credit report and they refused to do so. I attempted to dispute the information on my credit report but was unsuccessful. I have a letter stating that the debt will be returned to the original creditor but they will not remove it from 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 2020-08-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX  account XXXX My Job with XXXX XXXX ended XX/XX/2020 because of covid 19 I explained that to the Bank, that i was covered by the Cares Act, please remove late payment. 

XXXX XXXX XXXX account XXXX XX/XX/2020 reported late payment., my job was eliminated do to covid 19,  covered by cares act, they would not remove late payment. 

XXXX XXXX XXXX card account XXXX reported my account late in XX/XX/2020, my job with XXXX XXXX wasa eliminated do to covid 19, covered by the cares act.

Company response to consumer: Closed with explanation