BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
1 ). On XX/XX/XXXX, I faxed my first round of dispute letters to XXXX Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade  Commission ) rules and regulations, XXXX  Credit Bureau had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I faxed a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to XXXX Credit Bureau, XXXX XXXX, and XXXX  Credit Bureau. This was my first round of dispute letters, for which XXXX Credit Bureau was supposed to remove : XXXX XXXX, opened onXX/XX/XXXX, with a balance of {$1800.00}. XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$75.00}. XXXX/XXXX XXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, XXXX, inquired on XX/XX/XXXX. XXXX  XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX was supposed to remove : bankruptcy, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX  XXXX, inquired on XX/XX/XXXX. XXXX, inquired on XX/XX/XXXX. XXXX was supposed to remove : bankruptcy chapter XXXX, reference number XXXX, filed on XX/XX/XXXX. dept of ed/XXXX, account number XXXX, with a balance of {$2500.00}. dept of ed/XXXX, account number XXXX, with a balance of {$3100.00}. dept of ed/XXXX, account number XXXX, with a balance of {$4600.00}. 
3 ). XXXX XXXX XXXX, XXXX XXXX, and XXXX   credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and 605B ).

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 2018-07-02
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/18. I had deposited two checks into my personal checking account. One was my payroll check from my employer, the other was personal check from a friend. On XX/XX/18, I had gotten a notice that the account was going to be closed due to one or more deposited checks are suspected of being altered. I had suspicions that the personal check from my friend was not going to possibly work but I also had a direct deposit set up with my employer to this account and on XX/XX/XXXX, both my mobile app and the website said my that my direct deposit was never received and now they are saying I owe {$920.00}. I know I had over {$500.00} in that account before they closed it and my employer has not received any notification that my payroll check was returned. I know that anytime someone deposits any counterfeit or fraudulent checks that they are responsible for any overdraft that the account encounters but this is straight up fraud by the bank to get me pay more than I really owe and if that is the case, I will sue them on my own.

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 2018-07-02
Company: Experian Information Solutions Inc.
State: SC
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:
Today I recieve a response back from my complaint filed with Experian. I am asking that they provide me with the copies used to investigate my dispute and to this day they will not. They generated a response just to get the CFPB to close the complaint. They know that once the response is entered in CFPB automatically closes the complaint, which is unfair to us as consumers. I have the right by law to ask for the original documents used to verify the disputes. Im asking one more time that you send me the information. I have asked twice before and you keep spinning around with your answers. Just provide me with the information you used to verify the investigation according to complaint number XXXX. By law I have a right to ask for the method of verification and you have to provide me wit it. All of that other stuff you are replying about is not what im asking for. please provide me with this information

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 2020-11-15
Company: JPMORGAN CHASE & CO.
State: KY
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: U.S. Collections West, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made a disputed against a collection item - XXXX XXXX  apartments - collection agency: u.s. collections west, inc. - but it is showing in my report that I am responsible and owe the balance XXXX - my dispute against this account was approved and the collection agency confirmed it shows that I am not liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Experian Information Solutions Inc.
State: MO
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:
I have some inquiries listed on my credit reports that was not authorized by me. I never agreed with the listed companies to obtain any information to my credit profile. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2021-02-23
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: Information belongs to someone else

Complaint:
I have tried numerous time to have this company remove the false information from my credit report and they continue to report them. I have told them on numerous occasion to validate these reports and send me all the contact info and names of individuals supplying the information and they continue to ignore my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Dear CFPB, I would like to cancel my American Express Platinum card. American Express Platinum will not allow me to cancel without taking my {$550.00} annual fee. I was charged this less than 45 days ago, they won't even give me a XXXX XXXX partial credit for it. I wasn't able to call in earlier as I just saw the statement that I am paying for tomorrow. I would like the CFPB to help so I can get my {$550.00} back or at least prorate it. They already did this to me in 2017 to keep my on board one year, they are trying to do this again and I am not happy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion should not be reporting that I am ( 60 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-07-31
Company: The Law Offices of Jennifer McCoy, PC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX- paid remaining balance owed on rent to the XXXX XXXX XXXX   in XXXX Tn through a collection agency affiliated credit. XXXX XXXX was the person I spoke to about the account and paid the balance in full after 3 payments totaling XXXX. 
XX/XX/XXXX- received a wage garnishment judgement that was issued on XX/XX/XXXX and prepared by The law offices of Jennifer McCoy , this is my first notice that an attempt was being made to collect this debt. 
XX/XX/XXXX- wages were deposited into my account minus the judgement of XXXX. I had no opportunity to dispute this because of no notification. On this day I called the law office of Jennifer McCoy and spoke to XXXX, a very rude individual who offered no help. I was told that they couldnt help me. I then called XXXX XXXX at affiliated credit who verified that he showed a XXXX balance and would forward it the Attorneys office. He didnt. I. I called the XXXX XXXX XXXX and they provided proof to the attorneys office.I also requested a copy of the account information be sent to me, he didnt. I have called the attorneys office several times, the apartment complex several times and got varied information but not a refund. I was told by the attorneys office I would receive a check, gave my address after reminding her that she didnt have it because I have never received any mail from her, call back the following week and Im told they dont have any funds for me, they didnt receive any and I would have to call the county clerks office, still havent heard back from the clerks office either. The apartment complex told me I would receive a wire transfer but they dont have my bank information or address either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: Dyck-O'Neal, Inc.
State: ID
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 submitted a request to dispute a collections account on my credit report on XX/XX/XXXX expected to be completed on XXXX account is a XXXX XXXX account XXXX I never received a update that my dispute was complete only that it was in progress. Over the course of the last 2 months I have logged in and checked said dispute and it was showing still under investigation. As of XX/XX/XXXX, past the 30 day even 45 day mark the dispute was not complete. I logged in today just to check due to the fact my credit report through Equifax is still showing a Derogatory mark for this account. The dispute is now showing complete and the letter attached is stating the dispute was states it was completed on XX/XX/XXXX, but the last time I logged in was XX/XX/XXXX and it was not completed. Also the company continues to call me while the dispute was open. They only stopped calling once I left them a voicemail stating there was and open dispute that was past 30 days. 
The dispute report is stating that the information was updated and that is it. 
Based on the Fair Credit Reporting Act the company has 30 days to review the dispute and if they do not get back within 30 days the agency is obligated to remove the disputed report. Not only did they take over 30 days to submit their findings ( almost 60 days based on my records ) they also send a dispute letter that clearly does not have the correct date on it. There is no way the dispute was completed on XX/XX/XXXX seeing as I logged in on XX/XX/XXXX and it was still in process. They are lying about when it was completed. 
This needs to be removed from my report based on FCRA. 
This account has been disputed and removed off of all other agencies except for this one. 
The company called me again today. Not from their normal number, when called back the rep stated it was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Midwest Recovery Systems
State: WI
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:
The company Midwest REcovery XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX  XXXX place me in collection for a dedt that is not mine they Violated the FRCA and the FDCPA they never notified me by writing or phone by law, i want this removed immediately or i will pursue legal action for damaged this is not me i never heard from this company ... I cant believe they put in collection without informing me of nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2019, I submitted a XXXX complaint regarding my balance. When the responded on XX/XX/XXXX, XXXX XXXX sent me a password protected document. When I opened it, it was someone else 's information including name and loan information. I responded back inquiring for my info and she said to delete that right away and sent me the correct document. My document has the same password and it has my Social Security Number! She said my info was not sent to anyone but had no way to prove this information. I asked for a supervisor and submitted another XXXX  complaint as I was brushed off. The same day, XX/XX/XXXX, XXXX XXXX emailed me saying nothing was sent to 'the other individual ' and brushed me off. What about the possibility if was sent to any other customer? I dont know these people and he is not part of the IT team to tell me that someone didnt delete the emails and then proceed to 'claim ' nothing was sent to this person. Its easy to try and cover these things up and given their reputation, I'm sure they will never admit fault. They have caused me hours and hours of time calling credit bureaus, emailing them back and forth with no resolve except that they expect me to take their word for it! Even after saying I refuse to believe a stranger, he still says the same thing in his emails like I'm no one. I spent time calling lawyers, asking for recommendations, trying to get someone to listen as they take this as a laughing matter. I work with privacy act information and when something like this happens, we make it right. I deserve credit monitoring and something for all my time dealing with this. Had they done the right thing in the first place, this would be resolved by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello so I recently got scammed over XXXX. The backstory : I purchased a product through XXXX and a man said hed ship over the product after I send the money XXXX {$450.00} XXXX through XXXX. I sent over the money only for the man to then block me and not reply to any of my messages. I already filed a claim on XX/XX/XXXX through to Wells Fargo and Ive been utterly defeated ever since. Im a college student and I just wanted to know if theres any possibility at all that I might get my money back through the Wells Fargo claims process, or if Im just hopeless now. 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 2018-07-02
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was under that protective XXXX  Credit reporting agency " XXXX XXXX '' which they contacted me by email that there was a change on my report, that ' when i seen all these little amounts of {$42.00} {$56.00} {$31.00} & so on which i have never received or had any out standing balances of those amounts.After gathering info on who filed that on my credit report, i found out it was Credit Systems International, the actual amount filed with them that i owe is {$190.00}, not these small increment amounts! They are filing false amounts to make it look like i have all this debt i owe. Credit Systems has made no attempt to contact me. I feel at the least that it is unethical & or guidelines or laws have been broken.

Including the fact that XXXX is aware of this practice! 
The mailing address of Credit Systems International is : XXXX  XXXX XXXX XXXX, Texas XXXX, their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Bread Financial 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX DECREASE CREDIT LIMIT BY {$300.00} AFTER REVIEWING INFORMATION FROM XXXX. THE REASON FOR THE DECREASE INCLUDE THE FOLLOWING LISTED *NO USABLE REAL ESTATE ACCOUNTS ( I DONT HAVE TO HAVE A HOME LOAN FOR A CREDIT CARD ). 
*NO BANKCARD ACCOUNTS WITH A VALID CREDIT AMOUNT ( THERE IS A BANKCARD ON FILE WITH A VALID CREDIT AMOUNT ) THE FOLLOWING LISTED SEEM TO BE A DISCRIMINATION AGAINST ME. I HAVE ALWAYS PAID ACCOUNT ON TIME, THERE ARE NO LATES LISTED ON ACCOUNT. I REQUEST TO HAVE THE ORIGINAL LIMIT BACK TO {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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:
My information has been stolen by someone unknow and they have been using it to get credit on my name, i have been very responsible securing my personal information, i cant think how they got their hands on my information, as a person that barely used credit, i can not explain how it is destroying my name / credit rating. my goal for this is to have all debt that does not belong to me removed delete and block from reporting to credit ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Experian Information Solutions Inc.
State: WI
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for XXXX XXXX XXXX in XX/XX/XXXX. I tried it for just under one month and decided it was too expensive. I canceled the service before they billed and received confirmation of my cancellation. They billed my XXXX  account XXXX anyway. I disputed the charge and they refunded. Now, in XX/XX/XXXX, theyve done it again for the 2nd time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection letter on XX/XX/XXXX from ERC dated XX/XX/XXXX for {$72.00}. The collection was on behalf of XXXX XXXX, who I was a customer of from XXXX for internet services. I have received no email or written communication from XXXX in three years. I called XXXX to find out more and discussed this with a customer service representative. The rep was able to find my account, which had been deactivated due to inactivity, and reported no outstanding balance, and could find nothing indicating a debt collection was sent. I was unable to contact ERC and could not find out more information on their website about my claim. I believe this is a fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: EQUIFAX, INC.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT

Company response to consumer: Closed with explanation