BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I was incurring account maintenance fees with Wells Fargo. I walked to my local branch and the banker I worked with waived some of my fees. I was informed that in order to receive those waivers, and to continue receiving waivers, I had to open 2 additional accounts. Some time later I went to work for a different financial institution and learned that this was cramming; opening accounts that I did not need. I incurred maintenance fees on accounts that were opened under false pretenses.

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 2022-02-01
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:
It is unacceptable that the these accounts are not corrected or updated and I am getting more and more upset. If the information is not immediately reinvestigated and not corrected and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reseve the rights to file a law suit againgst your company or any company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Smith, Cohen & Rosenberg LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
We retained this collection company Smith Cohen Rosenberg LLC after they pursued and solicited us, not the other way around, for our law firm collections accounts receivables and client debts or bounced checks/chargebacks, etc. Not only did these people routinely settle debts without either notifying us or letting us know that offers were made, but they never sent us their contract for 33 % even though we asked them for this countless times. To make matters worse, they stopped communicating with us or updating us months ago, and when we politely inquired as to what was going on, they coldly and tersely informed us that they were canceling our services with no explanation, irresponsibly, unethically and criminally leaving our law firm in the dust, and now vulnerable to countersuits/litigation from these collected from clients, thus compounding our legal and financial problems.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Chase charged off my debt and XXXX XXXX XXXX took over the account. I contacted XXXX XXXX XXXX. Resolved my debt back in XX/XX/2019. Chase has not reported to the Credit bureaus that this debt has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
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. 

XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ADDRESSES THAT ARE LISTED DO NOT BELOW TO ME, I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT XXXX. XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX GA 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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I had questions about my TransUnion credit report ( through XXXX XXXX XXXX ), and the customer service rep advised me to pull my free annual credit report through TransUnion 's website. 

I pulled my free report through TransUnion, then noticed a charge from them on my credit card. I checked my email, and they had, without my consent, signed me up for a monthly credit reporting subscription service with a {$25.00} fee. They had me input my credit card number when I made an account and requested my free report - no where in that process was I asked, or did I authorize, to sign up for a cost-based subscription to be billed to that card. There is also no ( or at least no clearly visible ) way to cancel this subscription online, and thus you must cancel by phone. 

I called TransUnion and had the service cancelled, and will be filing a billing dispute with XXXX XXXX. TransUnion, as one of three credit reporting agencies in the U.S., should not be able to scam American citizens.

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 2021-01-24
Company: DISCOVER BANK
State: KY
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:
Re : Remove Inaccurate Information from my Credit Reports. Account # XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : DISCOVERBANK Account # XXXX XXXX. Delete because inaccurate information reporting. The account has been deleted from my XXXX  report on XX/XX/XXXX but still remains on my XXXX  and XXXX  report. 

2. Delete because inaccurate information reporting. The Highest Balance shows {$3900.00} on XXXX and {$4400.00} on XXXX. 

3. Delete because inaccurate information reporting. There's no closed date on XXXX  while XXXX  shows a close date of XX/XX/XXXX. 

4. Delete because inaccurate information reporting. Last Payment date shows XX/XX/XXXX on XXXX  while showing XX/XX/XXXX on XXXX. 

5. Delete because inaccurate information reporting. There's not Credit Limit on XXXX  while showing a Credit Limit of {$3900.00} on XXXX. 

The following account is not mine Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
For the year of XXXX, I was on an income based repayment plan for my student loans from law school. I was paying {$130.00} per month, which was very manageable. 

When I went to recertify my IBR in XX/XX/XXXX, the website on which to recertify was not working. This website was myfedloan.org. Due to the website being down, I had to submit my recertification late. 

I have called and called and called and called, several times, over the past few months, and have never gotten a response from the contact number listed on myfedloan.org. I am either put on hold, only to be hung up on ; or when I press the number that will have them call me back, they never do. 

All of this has caused my monthly payments to jump from {$130.00} per month to {$1400.00} per month. I can not afford to pay {$1400.00} this month. 

Furthermore, when I was finally able to get my IBR recertified, my new income-based repayment was calculated to be {$450.00} per month, starting next month ( XX/XX/XXXX ). This is a {$300.00} increase from my original payment schedule. 

I can not afford to pay {$1400.00} this month, nor can I afford to pay {$450.00} next month. I wish to have my payments returned to {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pursuant to 15 U.S. Code 1681 ( b ) ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Experian, a consumer reporting agency, has not received my written instructions to furnish any of the following inquiries on my consumer report to any of the creditors listed below however, inquiries from these creditors exist on my consumer report : 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

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX 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 2022-08-09
Company: Atlanticus Services Corporation
State: NY
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:
On XX/XX/2022, Fortiva put a remark on my account and the credit bureau dropped my credit score by XXXX points. I called and asked what the remark was for and to get it off my account and nothing was done, I was told to make a dispute with the credit agency. This also happened on XX/XX/2022 when they put a negative remark on my account for 1 late payment by less than 10 days and XXXX points dropped from my credit score. After I contacted them, not even half of those points went back onto my credit score.

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 2019-11-11
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a phone call from XXXX XXXX XXXX XXXX in XX/XX/2019 regarding an outstanding debt in the amount of {$1200.00} for medical services that I received a couple of years ago. They asked if I would be able to pay the outstanding balance and I said that I would not so they proceeded to negotiate an amount of 50 % of the total debt that I agreed to pay. They said that the {$640.00} would take care of the total debt that was owed and they would provide a document stating this as soon as it was paid. I mentioned that I would be able to make an initial payment of {$200.00} and pay the balance in early XX/XX/2019. They agreed to this arrangement and I went ahead and made the first payment of {$200.00} on XX/XX/2019. I received the second phone call from them XX/XX/2019 for the request of the final payment of {$440.00}, I requested my payoff notice prior to paying and the representative said that it would be provided as soon as the final payment was made. Therefore I went ahead and provided the representative with my debit card information for the payment of {$440.00}. He processed the payment and I asked for the payoff notice and he stated that one would be emailed to me in 10 days. I said ok and he provided me with a paid receipt. I received another call from them on XX/XX/2019 @ XXXX XXXX  requesting another payment of {$60.00} something dollars which I promptly mentioned to the same representative that I had thought that the whole debt was paid for already and he said that it was not so I said that I would not be paying that amount and would take care of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
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: Investigation took more than 30 days

Complaint:
I have disputed items on my credit report with XXXX, XXXX XXXX and Experian on the following dates. 
XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 The only bureau to respond has been XXXX. XXXX has deleted all of the erroneous accounts. 

XXXX XXXX and Experian have not investigated or responded

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT XXXX : XXXX XXXX 
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 this item 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 non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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 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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXX XXXX : Account number starting in # 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 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 non-monetary relief
Consumer complaint received 2022-01-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I secured a mortgage for a rental property that is titled in the name of an XXXX. The mortgage is in my name and the name of the XXXX. The mortgage was recently sold. The XXXX name was dropped in the process and the servicer contacted me to say that the insurance policies on the house where not in my name. I called them and explained that was because they property was titled in the name of the XXXX, and the XXXX apparently name got dropped from the mortgage during the transfer and we needed to get it added back. They put me on hold and never got back to me. Later they day, they contacted my insurance agent and requested the change the name on my policies from the XXXX to me personally. The insurance agent contacted me. Rather than fix the issue with the servicing transfer, without my permission they called my insurance agent to change the name on my policies.-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: MD
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 declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XX/XX/20XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : 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