BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: CAINE & WEINER COMPANY, 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:
I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked on multiple occasions that Caine and Weiner AND XXXX provide ALL THREE of the following : 1. The description of the procedure used to determine the accuracy and completeness of the information.

2. Name, address, and telephone number of each person contacted regarding this alleged account. 
3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them ( CAINE & WEINER ) the exact amount claimed. 

Unfortunately, they never provided me with this information that I requested, specifically asking HOW they validated this debt. Instead, they keep adding this account to my credit report preventing me from improving my credit report among other financial obligations that I have and am trying to obtain. 

The dates that I sent letters regarding this instance are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are claiming I owe Caine and Weiner {$170.00} and reporting on my account, " meets FCRA requirements. '' No, it does not. It can't meet FCRA requirements if you can't validate the debt and show proof. 

If I am not mistaking, the FCRA requires that ALL data reported on a consumer must meet 3 very specific criteria : it must be 100 % accurate, 100 % verifiable and 100 % timely. Since they failed to provide me the information I requested, this is not 100 % verifiable and my credit report and character is being played with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Credit Consulting Services, 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 NEVER signed, or authorized ANY agreement, or done ANY business with Credit Consulting Services Collections, nor do I know who they are!!! This is a attempt of Credit Consulting Services Collections that I am certain is racially motivated threatening extortion, in addition to violation of the F.C.R.A. If this erroneous inaccurate racially motivated extortion collection attempt is NOT immediately removed from my credit bureau reports, I will be immediately filing a complaint in XXXX XXXX Superior court vs them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Friday XX/XX/XXXX I received a letter from Wells Fargo stating that their had sold my mortgage servicing to, XXXX XXXX XXXX ( aka XXXX  ). XXXX reviews on XXXX XXXX read as a horror story. Of the 566 reviews 500 seem to be negative. Lost payments, uncredited payments, foreclosures, using your social security number as a password, lost paperwork and very poor customer service practices. It seems they are using the same tacts Wells Fargo used doing the housing melt down. Things the state of California objected to. Things they used on me when I was trying to get my HAMP approved back in XXXX through XXXX. It was a fight I do not want to repeat. 

I dont know if Wells Fargo, who was recently in the news for foreclosing on some 450 homeowners illegally, has possibly used XXXX in those instances. 

Please look into XXXX for me. It will give me peace of mind to know that California is once again watch the backs of its 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 explanation
Consumer complaint received 2021-06-05
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2021 : My wallet was stolen out of my car. The card was used to make a fraudulent purchase in the amount of {$1200.00}. I notified the company via response to text message fraud alerts within 44 minutes that this was a fraudulent charge. The company claims the charge is valid and continues to apply this charge to my charge card balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi after going over credit report and disputing debt for validation Transunion refuses to validate the debts were mines. They have flagged the account and just assumed its mines. I need to see sign contracts and agreements

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 2018-06-25
Company: Synergetic Communication Inc
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My husband bought a vehicle back on XX/XX/2011. He is now in a XXXX home and I am getting calls by Synergetic Communication Inc. They consistently call, and they are advising I need to pay. I have asked them on numerous occasions to please stop calling and they have not done so. I am not responsible for this debt. I am a senior citizen and is on a fixed income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Medical Business Bureau
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX reported inaccurate information to a third party debt collector after neglecting to provide correct billing info to my insurance carrier XXXX XXXX after it was requested at the time of service. The third party debt collector ( Medical Bureau ) has reported this information to credit bureaus and have caused my score to drop tremendously. The third party is constantly adding and removing the items, causing the debts to re - age. XXXX and I have tried several attempts to speak with the original creditor ( XXXX XXXX ) and reps have stated for the past several days the servers have been down. XXXX XXXX reps stated they would call back and failed to follow through as promised. I notified the medical Bureau who advised they reached out to XXXX XXXX and said such debt is valid, thus they can not remove the items from my credit. 

Included is the information given to me from XXXX  representative : XXXX, I see the claim in the system from XXXX XXXX XXXX XXXX on date of service : XX/XX/XXXX. This claim was processed with the incorrect prefix number from your medical member ID number, and was not updated with a processed claim as requested in XX/XX/XXXX. As a result it rejected the amount of {$1100.00}. 
After speaking with you on XX/XX/XXXX and notifying XXXX of the debt collection, I called their billing department on XX/XX/XXXX and spoke with XXXX who advised that their systems are down and would follow back the following day. I called back on XX/XX/XXXX and spoke with XXXX again who advised that their systems are still down and to try again the following day. I called back on XX/XX/XXXX and spoke with XXXX who advised that the systems were sill down but took my name and number and advised that she would call too call me back when their systems are up. 



Thanks, XXXX XXXX. 



XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Office : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX, never called or sent me any bills. 
My husband recalls that he received 2 calls from a very unclear voice, sounded like an overseas scam. no will even attempt to talk to such phone call. 
Several weeks later, I saw this {$750.00} on my credit report. Not sure what is it for. 
This is not how you get the invoice paid. If I owe you money, send me a detailed bill. For the medical bill, there needs to be a collaboration with the insurance and the doctor office. 

Here is the info on my report 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 2019-09-09
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:
Hi after going over credit report and disputing debt for validation XXXX refuses to validate the debts were mines. They have flagged the account and just assumed its mines. I need to see sign contracts and agreements

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: STERLING JEWELERS, INC.
State: TX
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:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX IS SHOWING ON MY CREDIT ACCOUNT FROM 2012 AND THEY BEEN PAID, AND I STILL HAVE SERVICE WITH THEM EVEN TO THIS DAY AND HERES PROOF ITN HAS to REACH THE STATUTE OF LIMITATIONS AND NEED TO BE DELETED 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 2019-09-09
Company: Experian Information Solutions Inc.
State: CA
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:
Mis use of my credit report violation of the Constitution and the Treaties Truth and lending act, 11 U.S. Code Chapter 5, 31 cfr 363.6, 28 U.S. Code 566. Powers and duties, 42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1986 - Action for neglect to prevent 42 U.S. Code 2000a - Prohibition against discrimination or segregation in places of public accommodation 18 U.S. Code 1512 - Tampering with a witness, victim, or an informant 18 U.S. Code 2071 - Concealment, removal, or mutilation generally 18 U.S. Code 1346 - Definition of scheme or artifice to defraud 28 U.S. Code 1346 - United States as defendant 18 U.S. Code 872 - Extortion by officers or employees of the United States 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees 5 U.S. Code 7311 - Loyalty and striking 42 U.S. Code 1985 - Conspiracy to interfere with civil rights 18 U.S. Code 245 - Federally protected activities 42 U.S. Code 14141 - Cause of action 18 U.S. Code 1513 - Retaliating against a witness, victim, or an informant 18 U.S. Code 1510 -  Obstruction of criminal investigations 5 CFR 2635.702 - Use of public office for private gain. 
18 U.S. Code 1918 - Disloyalty and asserting the right to strike against the Government 18 U.S. Code 1506 - Theft or alteration of record or process ; false bail 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law trespass on my Estate as Agent in fact and Executor over XXXX XXXX XXXX which is held in XXXX XXXX on the record for the record and fee schedule for damages cause by negligence I demand remedy over the matter I do not want a credit score I have unlimited credit nor a Corporation see RIC 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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX  XXXX {$370.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$440.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2019-09-09
Company: EQUIFAX, INC.
State: CA
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 am writing to dispute a fraudulent charge on my account of {$2200.00}, {$6700.00} 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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX / XXXX I had trouble making my mortgage payment. I did not have a job and was out of work on a XXXX. I entered into a loan modification program with bank of america in XXXX. The mortgage had not been paid from from XX/XX/XXXX until the modification in XX/XX/XXXX. So it had been twelve months without making a mortgage payment. The mortgage was backed by XXXX XXXX. In XX/XX/XXXX my mortgage was transferred / sold to XXXX XXXX. My complaint is that Bank of America performed mortgage fraud. They were paid for the total mortgage amount that I had owed by the insurance company or XXXX XXXX 90 days after I went into default. So Bank of America did not own my mortgage. So that also means that XXXX XXXX has been taking my mortgage payments and is also performing mortgage fraud. Please perform a Forensic Securitization Forensic Mortgage Fraud Audit.

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 2020-07-01
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
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:
Per court order my ex husband is sole owner of account and I was to be removed. I went to golden one and they could not help me or get into the credit account file to make the change. I reported on all three credit bureaus discover credit cart is reporting in my credit file as well and it is the same issue it in not a joint account I do not have access or own these credit cards

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 2019-09-09
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: Account status incorrect

Complaint:
Experian credit reporting bureau is reporting fraudulent information on my credit report to me.until I pay for my updates, my dispute of XX/XX/2019 was never shown to me online which is experian is the free account given by experian in XXXX since the dispute I have not gotten any updates to my accounts, and lots of emails to update my accounts which I would have to pay, but no answer to my disputes of XX/XX/2019.which experian got 13 1099-c forms and one 1096 form showing payment of accounts by certified mail # XXXX.Experian remains to report those 13 accounts as charge-off when their paid accounts reporting 3 with balances with total amount of $ XXXX.without validation of those debts, because their paid debt.

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 2019-09-09
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called the company ( Exeter Finance ) about sending me supporting documents as to the balance owed in writing specifically, I was told they would be sending that information to me. I have not received anything nor any correspondence as to my request. On an entirely different request I requested the company apply more of my payment to the principle again I was told " they don't do that ''. I am trying to keep up with records and such so I may have good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 I received an automated email ( attached ) from PayPal stating that I had authorized a transaction to XXXX  XXXX  in the amount of {$1200.00}. Because I knew I did NOT authorize this transaction, I immediately called PayPal in which I wasnt able to get through so I attempted to submit a dispute through their Resolution Center which was also unsuccessful because the payment was still pending. I initiated contact with PayPal through their messaging system in which I have told them several times I did not authorize this transaction. With no success through PayPal I contacted my bank to stop payment on this transaction. In addition, I changed my PayPal password and removed all credit/debit cards ( notification attached ) linked so it wouldnt happen again. I wasnt able to remove my bank account or report the unauthorized transaction through PayPal until the transaction was complete. As soon as the transaction was  complete I submitted a dispute through PayPal Resolution Center. I have since made several attempts to contact PayPal via the phone and have messaged them using their messaging system all of which have been unsuccessful. I received notification PayPal has concluded that this was an authorized transaction ( email attached ) I dont have a XXXX XXXX account, I never have, I have also never made a XXXX XXXX payment ever, so I am unsure why they wouldnt believe me when I say I did not authorize this payment. I have also tried to dispute it with XXXX XXXX but they said they need a phone number associated with the transaction and of course I dont have that, all I have is the information I received through email when the unauthorized transaction was made. In addition, on XX/XX/2020, I received an email ( attached ) stating there was suspicious activity on my account and my account was suspended. Another reason I dont understand why they conclude that the transaction was authorized. PayPal has emailed me several times reminding me I have a negative balance on my account and that they will soon report, if they havent already, to my credit report. I have called the collection department in which they conveniently answer the phone but say they can not assist me with disputing the transaction, they can only assist with collecting payment. I have good credit and dont want to ruin it for unauthorized transaction through PayPal. I would also like to deactivate my account as I will never use PayPal again after the terrible service I have received.

Company response to consumer: Closed with monetary relief