BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent XXXX XXXX certified letters on XX/XX/XXXX and XXXX asking for them to send me verification of this debt such as a contract I signed with XXXX XXXX or any other documentation bearing my signature, Showing that I owed any debt.They did send response to my letter with a letter telling me that the information was correct. they sent me a print out of a computer generated bill but did not bear my signature. Upon reviewing said documents I noticed they are in Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Fair Credit Reporting Act ( including but not limited to Section 623 ( a ) ( 3 ), Section 623-b ). The alleged account is unverifiable and the Statute of Limitations has expired. They have also Re-Aged the Debt and they are reporting it as an open account.It is damaging my credit report and credit score, and has been a principle reason I was denied credit due to this account reporting. I am considering legal action against XXXX XXXX on my own, but first wanted to exhaust all possible administrative remedies. I would be seeking a minimum of { {$1000.00} } in  damages per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 5. Violation of Corresponding State Laws

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX XXXX To whom it XXXX concern : In reviewing my credit report i discovered that my file fail to include information that i know is important to providing a complete portrait of me as a consumer. I request that you add the following information to my credit file. 

Last Reported : XX/XX/XXXX Creditor Name : XXXX Account Type : Credit Card Open Date : XX/XX/XXXX Limit : {$30000.00} Monthly Payment : {$300.00} Responsibility : Individual Balance : {$99.00} Highest Balance : {$99.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ XXXX Times 30/60/90 Late : 0/0/0 Rent Reporters Acct # XXXX Last Reported : XX/XX/XXXX Creditor Name : Rent Reporter Account Type : Rent Open Date : XXXX/XXXX/XXXX Limit : {$3800.00} Monthly Payment : {$3800.00} Responsibility : Individual Balance : {$0.00} Highest Balance : {$0.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ XXXX Times 30/60/90 Late : 0/0/0 If  you need additional information from me i can be reached at include phone number. Please inform me if there is a fee for this service. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has been non-compliant with removing the unverified account GRANITE STATE MANAGE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that GRANITE STATE MANAGE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2018, I called EQUIFAX to cancel my existing plan to re-enroll in the same at a lower price ( from {$29.00} to {$19.00} as advertised ). During the call, the agent asked for my credit card number, which I provided. I then asked what was the purpose of providing the number to which she replied that she needed it to initiate the new product which would result in a charge of {$19.00}. about 15 minutes into the call, the agent advised that systems were slow and asked me to bear with her for a moment longer. During that time, I checked my credit card statement with account associated with credit card I provided and saw that my account had been charged {$19.00}. After reviewing my statement, I immediately logged back into my EQUIFAX account only to find that my product had not been activated. By this time, the length of the call had reached 36 minutes and what I expected to be a simple transaction, turned into a billing issue.I allowed the agent a chance to rectify the issue but after 20 minutes, I desired to speak to a supervisor. At 56 minutes into the call, man who stated his name was XXXX with employee ID as given, is XXXX, advised the charges were initiated as an attempt to activate the product / plan under new rate of {$19.00} but failed due to an unforeseen authentication error. I demanded the reason for the error to which XXXX stated he was not aware and that the charges were pending and would be voided within 24 hours of the time stamp of the call. Transaction ID as given by XXXX is XXXX with initial timestamp of XXXX, XX/XX/2018. I expressed my frustration and requested a free month of service for the aggravation to which XXXX replied that executing such a request was beyond his authority. I immediately launched this complaint with claim upon which relief MUST BE GRANTED on grounds of discourtesy and and mismanagement of my account. The desired outcome is a full 3 months of premium free service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: CL Holdings LLC
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:
XXXX XXXX allowed someone to fraudulently open an acct in my name. The account was opened in a state I do not reside in and an address I've never resided. I filed a police report and have previously called XXXX 's cooperate office and spoke to them. I also went into a local office and discussed this. They admitted to not having any of my personal information on file but having numerous signatures of others on the account but not mine. XXXX deleted the negative account from my credit once they knew it was not me only to sell it to a collection agency. Now, XXXX XXXX XXXX., on behalf of XXXX XXXX XXXX has placed it back on my credit and requesting funds. I disputed it online with XXXX and I was notified that I had to request a dispute in writing from the other two credit bureaus. Once the debt was verified with XXXX  via online dispute, I received a notice in the mail from XXXX XXXX , Inc. stating they are representing their client XXXX XXXX XXXX. This is the first I am hearing from either of them due to them not having any information for me which lets them know I am the wrong person. The letter states it is a collection notice and their client has agreed to accept 12 monthly payments of {$150.00} as a full and final resolution on this account. Why would I pay half of something that does not belong to me? I have sent a debt validation letter via certified mail to XXXX XXXX XXXX, but I have read online through the XXXX  that people said their letters were returned to sender from XXXX XXXX XXXX. I want this handled in a timely manner as I only get 30 days to dispute and I sent it with 10 days left to dispute. On my credit report it says this was opened by XXXX XXXX XXXX on XX/XX/XXXX. Original creditor name : XXXX XXXX XXXX. The balance is {$3400.00}. I would like this removed from my credit report as it is not my debt. There is no legal binding contract connecting me to this debt nor any of my signatures or ID. I have only had XXXX XXXX XXXX cellular service since XX/XX/XXXX. I would also like the address reported to the credit bureau in connection to this by XXXX XXXX XXXX be removed. I have never lived/resided there and there is no verification/validation that can link me there. This is all false information reported and is affecting my credit negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX-18 Got notification on both my XXXX and XXXX  credit reports that my SLS Mortgage balance had been increased by {$8100.00} total on XXXX  and by {$8200.00} on XXXX. 

I have not received any description or notification from SLS and have submitted prior complaints about them changing my payments, rates, and then reporting me 120-150 days delinquent. 

I have all receipts showing all payments were sent and received on-time by me thru XXXX XXXX and received by SLS electronically on same day. 

My credit reports both have been negatively affected by these errors and I have again notified the XXXX  of Colorado, since these issues had occurred many times, and then corrected after my legalized complaints with all evidence and proof of payment.

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 2018-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, Bank of America gave a {$25000.00} cashier 's check out of my savings account. The person went into a branch in XXXX, XXXX  for the transaction. I live and back in XXXX. Bank of America did not properly verify identity. I have a copy of the signature card on file since XX/XX/XXXX that I got from my local branch so I know B of A has a signature card for my accounts and the signatures don't match. I filed an FTC report and I have sent numerous letters to B of A asking them to return my money and certifying that it was not me who made the withdrawal. I have also filed police reports. I have also made numerous calls to B of A and requested a call back from the analyst handling my claim. I have never received any response from B of A. I asked if I should move the remainder of my money to a new bank. I was assured by B of A that was not necessary. They moved what was left of my money to a new account and I was told there were numerous security alerts and this could not happen again. Then on XX/XX/XXXX, XXXX at that XXXX XXXX branch on XXXX XXXX called me and said another $ XXXX in cash wash just withdrawn from my new account plus a $ XXXX cashiers check. I told him it wasn't me. They stopped the $ XXXX check and arrested someone with that but my $ XXXX is now gone along with the original $ XXXX and B of A has done nothing and refuses to give back my money. They are negligent in the handling of my accounts. Especially to let the same thing happen twice when they assured me it couldn't. XXXX ( branch manager in  XXXX ) told me it was an XXXX XXXX man with a fake ID. I am XXXX. I don't know how it could be more clear that I did not make or authorize these withdrawals. An arrest has been made in connection with the fraud. Bank of America has the video and all the evidence it needs to show this was not me. I have spent countless hours in my local branch and on the phone to B of A and they refuse to return my money. The gave away my money and mishandled my account. They did not take proper steps to verify before allowing someone to withdraw my money. XXXX at B of A even told me the guy didn't have my new account number, he had them look it up. Why would you give out someone's account number when there are alerts that there has already been fraud on their account??? B of A said the balance of $ XXXX would alert anyone who looked at my account profile that there'd been fraud yet the gave away more money to the same thief!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After notifying the bank of fraudulent activity on my account after I noticed that three transactions I did not complete were debited, the bank only refunded two of the three fraudulent activities. I have opened three claims with the company and they were closed after not refunding me the third transaction in the amount of {$150.00}. There has been no explanation of the reasoning for closing the third claim for the third transaction iao {$150.00}. The first claim was supposed to include all three transactions but the representative neglected to include the third ( pending at the time ) amount so the second claim had to be opened. The bank says that I answered one of the questions incorrectly so that disqualified me from a reimbursement of stolen money. After speaking to a manger he told me that the transactions were all made online from different areas so based on that information he would open an additional claim. I have now received written notification that they are closing that claim without refunding me the third fraudulent transaction iao {$150.00}. The bank does not seem to care that {$150.00} is a lot of money for me to be missing and as a consumer who has trusted them with the care of my money I will be closing my account due to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-19
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
XX/XX/17 fifth third bank dispute XXXX not my account or correct social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is regarding Transunion 's " XXXX XXXX '' alleged scoring system that I have been fighting with for at least two years. I have no outstanding credit except my primary residence. Yet, my score went down 23 points in one month. Balance down. Date of oldest accounts ( average accounts ) up. Should be higher, not lower. Then, in further insult, the reports state that I have not opened enough accounts and my available balance is too low!!! Yet, everyone knows that if I follow the alleged advice, my score would decrease by over 100 points ( hard credit hits are 20 to 30 points negative impact for at least 24 months. ) Then, Transunion would end up reporting that I have too much available revolving credit - since they do not use length of employment or income or assets any longer. 
It is simply outrageous and I am specifically harmed by their false score reporting. Every one is using the XXXX because it is funded and controlled by the big 5 CRAs and no way around them. Another example. I have been in my home 18 years which I bought for CASH. I re-financed to get cash out, then my loan was sold multiple times, w/o the lenders informing me until AFTER the portfolio went somewhere else. So, instead of Transunion linking these together as the same loan with the same Borrower ( me ) and the identical property ; they report these as if they are new loans - and only show me owning this home for two years ... not 18. No call to my bank ( 16 years ) ; lender, etc. has resulted in anything except silence or " it's not our problem - take it up with XXXX ( who will not respond ). Not only that, they actually provide no contact information - it's a circular jerk. They refer you to your bank or lender who then refers you bank to XXXX. According to them, I am just now 7 points shy of falling out of the best credit group. I need to buy my son a car soon, and some other things, and this will cost me at least 1 % more per month.

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 2019-05-22
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Several family members received a very vague letter asking for my personal information like : Name, address, phone number, and place of employment. The letter does not say anything about debt or anything. I have no idea who this is or what they want. It doesn't seem like a legitimate letter. It gave a file number:XXXX. And a name and address that said attorney at law. I called the number and was put on with a man who refused to tell me if he is an attorney, where I am calling or anything about this. He just put me on speaker phone and I heard him and it sounded like a couple of women or children laughing and making fun of me asking questions. I could hear them clearly. They said the call was recorded. I called on XX/XX/19 at XXXX pm CST. He just kept insisting that I give him my SS # and address. I would never give that to someone who I have no idea who is on the other end. They kept laughing and making fun of me talking and asking questions so I hung up. The number is XXXX. The name at the top of the page is XXXX XXXX. I googled it and it came up Kohn Law Firm S.C . I do not know why or for what reason these vague letters were sent out to my family members but It seems very much like fraud or something illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
As of today XXXX XXXX, Wells Fargo Bank continues to retaliate against me and harasses me almost in daily basis. For instance but not limited to and from a recent incident Wells Fargo bank engaged unlawfully in invading my privacy. every harassment is recorded and it will be brought to court. Unfortunately, my tolerant efforts following role of law and due process to stop this companys reckless targeting, coercing, revenging, retaliating, discriminating, abusing, threatening, harassing, conspiring and blacklisting against now will be more public and in a court of law which this Company forced me to take them to.I am suing Wells Fargo Bank without waiving my rights and all stated herein is true and all herein is to my current states belief, knowledge and understanding and is subject to any change or correction of any kind at any time by me, the complainant, only or my representative without waiving my rights.

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 2017-11-16
Company: Experian Information Solutions Inc.
State: WV
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 send a letter to Experian stating I was disputing a Bankruptcy on my record. I was told that the information was verified and I was denied any proof when I requested to have it sent to me. 
I have attached the results of an investigation by the " third party '' that Experian uses to verify. This letter clearly states that there is no bankruptcy on my record. 

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.  Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 
I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.

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