BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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:
My case # XXXX Today I sent in SBA loan documents with my name to prove ownership of the funds that you are currently withholding from me and the CPA letter from a certified accountant that files my taxes every year. I need the remaining balance of {$22000.00} released. I have to pay these funds back to SBA. The funds that you have been holding has been held by your bank since XXXX and I already talked to SBA about this matter they said you do not have the authorization to hold onto my funds. These funds are needed to keep my business afloat. Please release my funds that are rightfully owed to me. Ive been going back and forth with different representatives in the executive office for months

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2018 I disputed an account with XXXX and submitted documentation showing that the account was paid in full and settled on XXXX XXXX. On XX/XX/2018 the account came back from XXXX XXXX reporting that the account had a balance of {$2300.00} and that a payment of {$1700.00} was paid. Its reporting that 21,000.00 ( approx ) was written off when it was actually a payment from the car being sold at auction. The account is still reporting as a charge off in collections even after I submitted documentation from the 3rd party attorney representing XXXX financial showing the account was settled in full with {$0.00} dollars being owed. This is a direct violation of both my FCRA and FDCPA rights. I want this account to be updated correctly or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
XX/XX/XXXX -filed a fraud claim on my EDD pre-paid debit card, caused someone was withdrawing money on my card in New York . I live in California. My card has not been out of my possession. I noticed my card was suspended. did not know why. I discovered all my money, {$5500.00} was no longer available in my account. I immediately filed a claim XXXX acct ending XXXX on XX/XX/XXXX. I was informed a new card would be mailed with the funds added back to the card. When I received the card, funds were not added back. I then received a letter dtd XX/XX/XXXX, envelope postmarked XX/XX/XXXX that indicates my case is closed. On XX/XX/XXXX, I called after on hold for six hours, I spoke with a representative, I believe her name was XXXX in the claims department. She indicated the case was closed due to an internal error. She also indicated they have been having trouble with the third-party handling fraud claims. XXXX reopened my case, did not provide a new case number. She indicated funds should be back on card while they continue the investigation by no later than the end of week, which would have been XX/XX/XXXX. I was told I needed to wait 10 days. Is that 10 days starting from when I initially filed the claim or when I called back XX/XX/XXXX and was informed funds should've added back by XX/XX/XXXX. Today, XX/XX/XXXX, and funds are still not on my account. I called the designated toll-free number, after waiting two hours on hold, the line dropped. How frustrating. This is a violation of Regulation E. I need my funds added back to my account. I am without money to pay my bills. I am incurring overdraft charges on my bank account and late fees. If an affidavit is needed, I have not received any communication from Bank of America about the claim. Again, I am requesting the {$5500.00} to be returned immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm a victim of identity theft. Someone had used my personal information to receive service at XXXX XXXX XXXX XXXX. I did not, authorize, approve, or use the services.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened an account with XXXX. Used the card at the local XXXX store. Never received a bill from XXXX. Received a collection letter from XXXX XXXX  who apparently runs the XXXX credit card saying I never paid the bill of approximately XXXX. The charged be twice that amount in late fees. When I inquired with XXXX as to why I never received a bill. They informed me that the e mailed the bill to my email. I never requested e billing. So as soon I I received the collection notice from XXXX XXXX  I paid the entire balance. XXXX issued a negative report to the credit bureaus that resulted in a dramatic drop in my credit score. I purchased furniture from a local retailer last year and the same thing happened. Turns out XXXX was also the credit card issuer for this store as well. Bottom line is XXXX XXXX  deceptive practice of forcing e billing on consumers without notification and their aggressive collection reporting is harming senior citizens like myself and needs to be stopped.

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 2023-01-23
Company: ENCORE CAPITAL GROUP INC.
State: LA
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 to the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C. 1681 section 602 which states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NATIONAL CREDIT ADJUSTMENT XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4100.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX willl not update Chex Systems as to my account having a paid status. The account has been incorrectly reporting on my chexsystems report for almost 1 year.

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 2022-06-16
Company: EQUIFAX, INC.
State: TX
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:
Hello, I sent a letter off on XX/XX/202 to remove personal information that I do not want on my credit report. My tracking numbers are XXXX, XXXX, and XXXX. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party companies. These are clear violations of my federally protected consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: PA
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account Number : 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy and privacy of information in the files of the nations credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They take more than 2 weeks to completely charge me with all my payments. And I when I ever go out the limit there is always a fee on my account. I see no dollars taken out at the moment I make my payment until like 2 weeks and they always leave me at a negative number.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: OK
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 602A states that I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-07-07
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This house was first purchased in XXXX. What happened to the payments that were made from XXXX through XXXX? Ocwen didn't record the assignment to the registers office so why? There are records that show HUD ( XXXX XXXX ) sold the mortgage to XXXX XXXX XXXX not Ocwen. I need legal documents from the company that you purchased the loan/mortgage from showing my balance when it was purchased by Ocwen. I don't think Ocwen took into consideration or documented the correct balance when they received the loan. If I purchased the house for {$34000.00} in XXXX how can I still owe that amount plus more when you took over which was about 15 years later ; once again what happened to the payments I made before you took over?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: EQUIFAX, 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 sent in several disputes and FTC Reports to EQUIFAX, XXXX  AND XXXX. THEY HAVE NOT BEEN COMPLIANT WITH MY SUBMISSIONS. I HAVE BEEN FIGHTING FOR THE LAST YEAR TO REPAIR WHAT SOMEONE HAS DONE TO ME THROUGH IDENTITY THEFT. THE POLICE HAVE SAID THERE IS NOTHING THEY CAN DO. AND HERE I AM FIGHTING BACK AND FORTH WITH THE CREDIT AGENCIES ABOUT SOMETHING I HAVE NO CONTROL OVER. I NEED THESE ITEMS DELETED FROM MY CREDIT FILE. THESE INQUIRIES NEED TO BE REMOVED FROM MY REPORT IMMEDIATELY UNDER THE FCRA. 

I ALSO HAVE A BANKRUPTCY THAT IS REPORTING AND COULD NOT BE VERIFIED THE COURTS DO NOT VERIFY BANKRUPTCIES DUE TO PRIVACY THIS PUBLIC RECORD NEEDS TO BE REMOVED FROM MY REPORT. 

AT THE TIME THESE ACCOUNTS WERE CREATED I WAS INCARCERATED. I AM NOW TRYING TO REBUILD MY LIFE AND I CAN'T DUE TO IDENTITY THEFT. 

Bankruptcy chapter XXXX-discharged XX/XX/XXXX {$0.00} XXXX US BKPT CT FL XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX   XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX I HAVE NEVER LIVED AT XXXX XXXX APARTMENTS. THE ACCOUNTS BELOW NEED TO BE REMOVED FROM MY REPORT UNDER THE FAIR CREDIT REPORTING ACT. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$5800.00} {$5800.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2020-12-09
Company: TRUIST FINANCIAL CORPORATION
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX XXXX, 2019, Suntrust Auto Dealer Fin add a hard inquiry on my credit report per XXXX. On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-11-02
Company: TRUIST FINANCIAL CORPORATION
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:
To whom it may concern : I am XXXX XXXX XXXX and the reason I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXXXXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 2020-11-02
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
PayPal said my $ XXXX monthly charge would be billed to my credit card first. However, the XX/XX/XXXX transaction took approx {$28.00} from my PayPal balance and then only billed my credit card approx. {$7.00}. PayPal ( via their message system ) refuses to process the transaction properly. They keep telling me to contact the seller.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was late on payments I sent in a payment and it was sent back to me from Wells Fargo and was told that they couldn't except payment I then got a letter for foreclosure and then my home forclosed on.

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 2018-10-25
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Applied and approved for {$2500.00} XXXX card in XXXX after moving. Have never received a card or a bill, called in late XXXX, new card issued, again never received. Can't make a payment as I don't know my account number. Can't get account number from XXXX, they won't issue it without the card. 0 late payments on my credit report now tainted. I just want a card issued, late charges removed so I can pay my bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-02
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 status incorrect

Complaint:
XXXX has ignored my request for validation. 

Please provide the following proof accordance with the Uniform Commercial Code : The Notice of Reinstatement letter with the return signature receipt that would have given me the ability to buy back the vehicle. This needed to be sent to me within 5 days the car was repossessed with the fees and late payment amount.

The Notice of Sale when you put the vehicle up for auction.

The Notice of Deficiency letter/ Post Sale Notice with fee details after 10 days of the vehicle sale date.

The original signed contact from the original creditor.

Effect of errors or omissions.

Under the laws of the State of Florida, Uniform Commercial Code Chapter 670 - 680 and State RISA and MVISA statutes a deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to.

Company response to consumer: Closed with explanation