BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital is constantly calling me and sending me Letters about this Debt.

Jefferson Capital Systems llc. 
JCS Reference # XXXX Debt Description : XXXX XXXX Amount of Debt:XXXX I have over the Phone as well as in Writing Told Jefferson Capital that this is not my Debt. I have repeatedly told them they need to Verify this Debt. They need to send me Documentation I personally Signed with Copies of my ID where I opened this account.

I have told them this is the law under the Fair Credit Reporting Act. However they never respond other than to keep calling and keep sending me Letters.

So I told them please do not contact me about the Matter anymore as I am not going to pay it. As they are able to show any Proof that this account is mine.. Still no Response on the matter just more Phone calls and more letters.

I think they think they can Bully People into Paying these False claims they have. Also this is making it really hard being on my Credit report. It is causing me undue XXXX  by keeping my Credit Score Lower than it should be.

So What I am asking is that since they have Failed after Numerous attempts requested to show me the Proof of the account. As well they have Failed to Stop Contacting me as I requested. Which is also FCRA Rules.

They need to Remove this Close and Remove this account from my Credit Report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear XXXX XXXX / CCS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Wells Fargo Record : XXXX Opened the account and completed all the required items for the promotional bonus, have not received the bonus as advertised, and the advertised deadline to receive the bonus has already passed.

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 2019-05-15
Company: First Technology Federal Credit Union
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
As a result of a harassing phone call with employee XXXX XXXX ( last name may be misspelled ; her supervisor and loan manager is XXXX XXXX ) I was wrongfully denied eligibility without proper reason for a checking account to move forward with a credit card application that was already approved and verified. Email attachment included. 

I do believe without a reasonable doubt this denial to move forward was entirely due to my choice of moving forward with a federal and formal complaint against XXXX and the aggressive harassment I chose to report on the credit union and employee due to my pay-stub improperly reporting by HR error and no fault of my own. Payroll co. encounter errors and mis-pays etc. very often so her tactics were not only unreasonable but lacked knowledge of any common sense. I provided an immediate bank statement as well ( this was after her call ). 

During my conversation with her supervisor XXXX XXXX I was contentiously put on hold and treated unfairly due to my rebuttals of needing a proper written reasoning as per my rights. Clearly they wanted to give me the least amount of info and have me on my way due to their negligence. 

All calls are recorded and I urge you to review them and subpoena them from First Tech. 

I will be pursing this further if a proper and respectable resolution is not addressed by First Tech. They have my email and cell phone. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Saturday XX/XX/XXXX chime suspended my checking account for suspicious activity, never said what activity particularly flagged account. Submitted identification documents : ssn card, proof of address, phone bill several times over 49 hour period and company is refusing to reactivate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
company : XXXX collector : XXXX XXXX/ERC REF # XXXX I use to have XXXX phone service & switched over to XXXX XXXX  in XX/XX/XXXX. 
Upon checking my credit score I found this negative mark on my score ( {$700.00} ) .First of all, I had no outstanding debt with XXXX or they wouldn't have switched me over to XXXX  and given me the unlock code for my phone to switch over. 
I assume this was a discrepancy found later, which leads me to believe of identity theft.The other  scenario I believe would be that they made a mistake and recharged me for a phone i purchased long ago and have a receipt for ( justifying a XXXX price tag ) .Another one is that they kept charging me after I switched over. I don't know, I'm guessing, since I can't talk to XXXX about it ever since they sent it to collections. 
Another point is that collections never contacted me, ever. 
I contacted them when I saw my credit score on  XXXX XXXX, very strange for a collections agency.So this comes as a surprise 4 years later. 
In summary- i don't owe this debt, it is a mistake XXXX would not have transferred/ given unlock codes if I owed this and never mentioned anything. 
i can't talk to XXXX directly about the matter. 
ERC XXXX credit never contacted me and does little to resolve the matter except bill me the amount. 
Thank You -XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: U.S. BANCORP
State: IL
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:
XXXX  Inquiry US Bank- Inquiry from XX/XX/2019 Institution Information US Bank XXXX , ND XXXX ( XXXX ) XXXX-XXXX  This company pulled my credit without my authorization/notice, i contacted the company multiple times by calling and sending letters and i have yet to receive a reply. I'm trying to inform them that this has to be a misunderstanding or fraud. I'm at the point to where i'm going to report this company for fraudulent activity ( Pulling credits without the person permission ) if my issue can not be resolve this time around.

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 2018-12-04
Company: Experian Information Solutions Inc.
State: NY
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 disputed accounts on my Experian credit report that is not mine or not being reported correctly but it's still showing on my 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 2018-01-24
Company: First Data Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is nothing on file showing I owe telecheck or XXXX XXXX for any debt. There are refusing to authorize a personsal check for a purchase by giving me an authorizing number. I havent had a problem with this previously especially since its in their system that my account with them is clear. I have not received anything by mail in regards to owing for any checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I went to a BBVA XX/XX/XXXX in XXXX, TX and made an ATM cash deposit of {$300.00}. After I inserted the bills, the ATM started making a noise as if it was continuously trying to accept the bills. The screen then showed a message stating something regarding the bills being unrecognized and that they'd be returned. However, the slot where you inserted the bills did not return anything, you could just see something spinning continuously in there and the bills were not moving either in or out. After waiting 10+ minutes, the ATM said the transaction was cancelled and displayed an error message stating that it was offline. 

I checked my account and did not see a deposit for the {$300.00}. I immediately went to the drive-thru teller window and told the teller that the ATM accepted my money, went offline, and did not deposit it to my account. The teller told me the machine would need to be repaired before it could be used again. She also gave me a number to call and file a missing deposit dispute. I called the number and filed a dispute, dispute number XXXX, ticket number XXXX. I received a letter dated XX/XX/XXXX that said they were investigating and had issued a provisional credit for {$300.00}. Last month, I received a letter dated XX/XX/XXXX that said the investigation was complete and the disputed transaction was authorized/correct, and the credit was removed. 

I do not understand how the dispute is complete and the money was not credited to my account. I believe that once somebody went to repair the broken machine, the ATM would have been {$300.00} over what it should have been, and the overage could have been linked to my dispute. The ATMs also have cameras, so I'm sure there is video of me inserting the money, waiting there for an extended amount of time and then the machine went offline. If you put all of that together, I'd think the deposit could be linked to my dispute/checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My complaint is against Experian and my experience in obtaining my free annual credit report through XXXX XXXX XXXX. The company has blocked me from obtaining my credit report online and tells me to call a number to obtain it. I did not initiate this block or placed a credit lock with experian. 

I have tried calling this number and have been placed on hold for over 30 minutes after which I gave up. There are inaccurate entries in my experian credit report and I am also unable to dispute these items online with experian. 

This is unacceptable and the company is depriving my right to credit report access.

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 2021-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
fraudulent collection : previously deleted for being such. 

The requested hard copy documentation of addresses was previously delivered to Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Bureau has the following information incorrect on me. 
My name is XXXX XXXX. The following are incorrect : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also never resided at the following : 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 2019-05-15
Company: Delta Management Associates, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The company involved is Delta Management Associates Inc., located in XXXX MA. 

I have received several harassing calls and letters from them over the past several months. Last Friday, XX/XX/19 they called the receptionist at my place of employment. The call was forwarded to me, where I informed them not to call my work number, and that I am not allowed to take personal calls at work. I explicitly told them not to contact my employer, or to contact me while at work. 

This afternoon, XX/XX/19, one of my HR representatives informed me that, directly defying my request, they had sent a fax to my HR department, requesting private information about me, including my social security number, dates of employment, my employer 's federal tax ID, payroll address and information, and my hours/status at this job. My HR representative was extremely uncomfortable, and asked me to tell Delta again to not contact us. 

I would like to send a cease & desist letter, given the sheer amount of calls, and contacts to me, my friends, family, and employer, but I do not want to risk a lawsuit. I do not want to deal with Delta Management any longer.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Bureau has the following information incorrect on me. 
My name is XXXX XXXX. The following are incorrect : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also never resided at the following : 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 2021-08-16
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In the month of XXXX I saw early on that XXXX XXXX had withdrawn two payments for my account instead of one, which caused my mortgage payment to go NSF. I called my mortgage service provider around the XX/XX/XXXX-XX/XX/XXXX to notify them of the issue. they said it wasn't a big deal and to just submit the payment online again and it would be fine. I submitted again and the funds had not been cleared yet by my bank which resulted in ANOTHER NSF payment to the mortgage company. Post that payment I made two others that cleared my account but were returned a few days later. When I called they said my account had been placed as certified funds meaning the will only accept XXXX XXXX, cashiers check or Money orders. My bank if mostly an online bank and I am unable to go them and get a cashiers check. XXXX XXXX has upper limits on transactions and I would be forced to send them two transactions with fees of {$50.00} each. And given that the amount of each would not satisfy the amount owed they would more than likely return those as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX company sold my mortgage to XXXX XXXXXXXX XXXX on XX/XX/20. They refused to accept my mortgage payment because they were concerned it would not be routed properly and informed me to instead make the payment to XXXX XXXX XXXX Spoke to a representative named XXXX XXXX who informed me that I was protected from any derogatory reporting for 60 days per RESPA guidelines and because I am a California resident. On XXXX XXXX, I received alerts from several credit monitoring services informing me that XXXX inaccurately filed a derogatory rating for 30 day late payment in XXXX, during the required RESPA period. I want this inaccurate information removed from credit history immediately since it is affecting my ability to obtain a home improvement loan.

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