BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-15
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was provided no notification of the " alleged '' debt and thus any opportunity to dispute the debt prior to its reporting to credit bureaus. On XXXX/XXXX/XXXX, I sent the following letter : Certified Mail XXXX. XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX, MN XXXX XXXX XXXX, XXXX XXXX : Account for {$320.00} ending in XXXX To whom it may concern : I am writing to demand that you immediately remove from my account a reported amount of {$320.00} for an account ending in XXXX. 

1. In violation of the FCRA, I have not received notice of any such debt as well as the contact information regarding to whom this alleged debt is owed. 

2. Neither have I been afforded an opportunity to nor have I been provided an opportunity to dispute the alleged debt. 


I hereby demand that this alleged debt be immediately removed from any and all credit report bureaus this has been reported to until such time you can comply with the provision of the FCRA. Failure to do so will result in a suit to protect my rights and any damage done to my credit reputation. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX In addition, I am receiving an excessive number of spoofed calls which leave no messages which have exceeded 100 in total as of this date and no response to my letter. Further, it seems that the day after they received the letter, they reported the debt to another credit reporting agency rather than remove them until I have an opportunity to review and request documentation and dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
State: MN
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:
OnXX/XX/XXXX I sent a letter to Equifax asking that they investigate some questionable inquiries on my report. I asked for XXXX XXXX compliant ( required per their OWN definition of their XXXX XXXX ) documented results that the investigation had actually taken place - as they failed to even do the investigation previously. <P/>On XX/XX/XXXX I opened my mail and received 2 letters from Equifax both dated XX/XX/XXXX. <P/>The first was a stall letter saying that inquiries are a factual record of a credit application ( NOTHING to do with what I asked or requested and was nonsense ). <P/>The second was a set of results saying the SAME THING! Worse yet? They ADMIT that investigation DID NOT TAKE PLACE. <P/>This is an intentional violation of my rights under the FCRA. <P/>I called today ( XX/XX/XXXX ) at XXXX. I was on hold for 53 minutes and told by their rep " XXXX '' that it is impossible to investigate inquiries, I was told by some foreign person that she did n't understand inquiries ( what? ), and I was transferred to a HOSTILE " supervisor '' who would only identify herself as XXXX who said she would n't do anything. <P/>To each of these people I explained what I had asked in my letter and what the responses were. Each of them gave me nonsensical silly answers. I explained a knowledge of my rights and that I work for a LAW FIRM specializing in FCRA and Credit Law - and was told by " XXXX '' that she would no longer talk to me. <P/>ALL I WANTED is my BASIC rights. EQUIFAX is a scam company clearly who has no problem doing UNETHICAL and ILLEGAL things to consumers. <P/>Best part? I told them that I would contact the CFPB. They laughed and said " the CFPB is useless! '' So, please do n't be useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: CAPITAL ONE 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: Account information incorrect

Complaint:
I paid my capital one credit card balance down to {$0.00} before my due date. I have my XX/XX/XXXX statement proving I paid everything to {$0.00}.

But capital incorrectly reported I still had {$1000.00} balance to the credit bureaus & now my credit score has dropped tremendously.

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have had a Bank of America Equity Line since XX/XX/2004. I have NEVER been late. I pay in a local branch each month. I was informed that my payment would be increasing. I stated that it is high. I was told that I could apply for a loan modification. I was sent paper work with a 3 month trial at a reduced payment. I paid this payment as instructed but was marked late thereby reducing my credit score. 

I called BOA and was told they could not remove the late. I then called again and spoke to 4 people of whom 3 were supervisors. Each one said that the late could not be removed. 

They referred to the frequently asked questions that accompanied the loan modification trial that states : Your score can be affected. 

No one told me nor did I see in writing that it would be reported late. 

BOA stated it is a risk that it could which leads me to believe not all customers are reported late during this trial period. 

Please note, I did NOT pay it late. I paid the trial period amount as instructed. I have never been late since it was opened in 2004. 

Thank you,

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 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$2800.00} on the XXXX partial account number XXXX. ( Please see pages 27 and 28 of the attached credit report. ) I purchased this equipment up front so my contract with XXXX   should be on a month-to-month basis. I was transferred with my job and moved to a new location and I cancelled my account. XXXX has now sent me to collections for an amount that is totally unsubstantiated. I have contacted XXXX to obtain an itemization of expenses they allege I owe, but I have never gotten any response. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have been unsuccessful.

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 2022-03-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is not the first time Chase has lowered my credit line after paying off my entire balance. Its odd that we have been customers for almost a decade, pay our bills on time, and are rewarded by our credit line being lowered when we make large payments. I want my credit line restored to where it was, or we will have to permanently part ways with chase. This is not fair or ethical to do this without contacting the customer when they have a credit line they expect to have access to ... .no warning. 

Why is Chase consistently punishing loyal customers who have CONSISTENTLY paid their bills and put money in the company 's pockets? If they can't scam you out of interest rates and fees, they lower your credit line until they push you away from being a customer?? It's an off the wall business practice and I would like for Chase to take some accountability .... please do the right thing. If there was an issue or concern, why not reach out to the customer first??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: TX
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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX. The collection agency annoyingly contacted me even it is already After XXXX XXXX. or before XXXX XXXX This violates FDCPA Section 805 ( a ) ( 1 ) Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: IL
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:
CRA is in direct violation of several consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: WELLS FARGO & COMPANY
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:
To whom it may concern, Wells Fargo Bank has reported incorrect infomation on my report. This account has never been late. In XX/XX/2018 Wells Fargo sent me a card I did not apply for and used my infomation with someone else who had the same name. I went up to the Wells Frago branch close to me and showed them the card manager assisted me and apolojized. I filled out a one page form that sttaed I didnt apply for any credit with Wells Fargo. In XX/XX/2018 my credit report shows a late paymnet 30-59 days late. This is incorect.

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 2021-04-15
Company: CCS Financial Services, Inc.
State: OH
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:
This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX # XXXX, CREDIT COLLECTION SERVIC # XXXX, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This complaint is about a disputed charge on my MasterCard with Bank of America. A company called XXXX XXXX XXXX out of Florida offered to recoup charges made from a Fraudulent law firm. Bank America credited my account for this amount on XXXX XXXX XXXX so I paid XXXX XXXX XXXX the agreed 45 % ( {$1500.00} ) on XX/XX/XXXX. A week later Bank America took those funds back saying the charge was too old and closed the case. I have been trying to get XXXX XXXX XXXX to refund my {$1500.00} since. I filed a dispute with Bank America, case # XXXX. They requested additional information which I provided on time, that at first said they got too late and then admitted they got on time but it was n't enough information. Clearly XXXX XXXX XXXX has not fulfilled the signed contract, which Bank America is in possession of, but Bank America has closed the case and will not do anything further because the vendor, XXXX XXXX XXXX, will not answer any ones calls or Emails. I have spoken with Bank America on the following dates with no solution. XX/XX/XXXX ; XX/XX/XXXX ( with XXXX and XXXX in XXXX ), XX/XX/XXXX XXXX in Credit and XXXX in Texas, XX/XX/XXXX with XXXX in XXXX, and XX/XX/XXXX with XXXX and XXXX in XXXX. As far as XXXX XXXX XXXX, I have a voice mail from XXXX XXXX XXXX from XX/XX/XXXX in which an XXXX XXXX said he would submit a refund on that day. Never happened and I have since filed a complaint with the States Attorneys General Office in Pennsylvania and Florida and with the Better Business for XXXX Florida. I can not understand how Bank America can take this stand for this vendor over all the evidence I have submitted. They know I did not recover any funds because it was them who took the funds back. Thank you

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
XX/XX/2022 Transunion reported a hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX Phone XXXX I was not applying for credit anywhere. 
I called the phone number and the recording claimed to be Transunion.

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 2022-03-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX TO : The Consumer Financial Protection Bureau RE : XXXX XXXX failure to correct a teller error in a timely manner I am currently in XXXX attending film festivals that are presenting my new film. Last Thursday, as I headed for XXXX, a long-awaited refund check of {$61.00} XXXX arrived from the California XXXX XXXX XXXX XXXX. It was made out to XXXX XXXX XXXX, XXXX, one of my legal entities. WELLS FARGO account # XXXX. Routing number XXXX, A copy of the California XXXX XXXX check made out to XXXX XXXX XXXX is attached. 

My assistant took it to my branch of Wells Fargo Bank. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, A teller named XXXX deposited it NOT to the account of my legal entity but to the XXXX California XXXX Plan. It is impossible that she did not notice she was depositing a check made out to XXXX XXXX XXXX to a Wells Fargo account belonging to California XXXX XXXX. 

As soon as my assistant sent me the proof of deposit, at about XXXX p.m. on Thursday, I noticed the error and immediately alerted Wells Fargo online. The reference # for that complaint is XXXX XXXX. The next morning my assistant returned to the branch. XXXX, who is a bank XXXX and quite competent and efficient, took charge. She filed Case # XXXX. I spoke with her. She agrees it is a bank error. 

Three business days have passed. No refund. No updates. This is unacceptable, especially given XXXX XXXX recent history of cheating customers ( opening fake bank accounts, etc ). I am asking CFPB to intervene. 

Thank you, 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 2022-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I recently reviewed my credit report for correctness. I found an unidentifiable account from Bank of America with a current balance that I have never used. In addition, there is an address to which I have never lived at. I have contacted the 3 major credit report agencies ( XXXX, XXXX, XXXX ). It has been more than 30 days and they have not responded with any solution or removal of the fraudulent account. I need your assistance in this matter to clear this fraudulent account. Thank you

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 2022-03-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have two accounts on my credit report that are reporting information that is illegally being reported to my credit report hence withholding me from seeking new lines of credit. Equifax IS BREAKING THE LAW. The accounts are from XXXX XXXX XXXX ( Original Creditor : XXXX XXXX with the account number XXXX and XXXX XXXX XXXX  with the account number XXXX. Equifax is in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report. No consent is indeed identity theft. Additionally, they are also in violation of another code. They are also violating18 U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Therefore, I, XXXX XXXX, never gave Equifax any written consent to transfer, or use, without authority, a means of my identification. No consent is indeed identity theft. I demand to see an affidavit singed by a Equifax supervisor or executive detailing where I gave Equifax written consent to transfer my identification. You have violated U.S. Code 1028A. I have tried relentlessly to remove these accounts with the credit bureau and original creditor and they have failed to remove the accounts from XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  account and XXXX XXXX XXXX that they illegally furnished via my credit report. I will not be extending my credit report to anyone if this can not be resolved expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
Department XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Account XXXX Has sent me a demand letter for a debt they purchased from XXXX XXXX ( South Dekota ) XXXX from XXXX XXXX XXXX.The credit card was issued XX/XX/XXXX and last used in XX/XX/XXXX. This debt was discharged in US Bankruptcy Court in XX/XX/XXXX also California State law statue is 4 years on debt collection I demand Portfolio Recovery Associates LLC. cease and desist any and all collections of {$510.00} from me Thank You XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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 XXXX Account : XXXX. BANK XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX BANK # XXXX XXXX. XXXX OF XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX  # XXXX 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

Company response to consumer: Closed with explanation