BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: MI
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2016-08-01
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been patiently waiting for some response from Wells Fargo. I got my home back in late XXXX ( redemption ). Since then, I have been given NO confirmation to the home being mine again. I even without having a new loan number ( I was told by XXXX I would be given a new loan number ) made a house payment in XXXX. In fear to getting behind on payments again. I was told to NOT do this XXXX XXXX XXXX XXXX because any payments made could be in limbo while awaiting a new loan number. I have received yet again several letters from Wells Fargo on how they are working on details and should have everything resolved by a certain date, only to receive more letters stating the same with a latter date. I ca n't sleep, and all I do is worry because my home was foreclosed on during a re-modification period back in XXXX. I was successful in XXXX to get my home back, with a large amount due in late XXXX, I wired the money from my bank to Wells Fargo, and to this very date I have not received in notification from Wells Fargo, but XXXX did receive a letter ( email ) from CFPB and that my home was mine. I need some clarification, a loan number, an amount owed. I ca n't go on with this waiting in limbo, it has since affected my health. This is XXXX XXXX and I am no closer to understanding what I should or should not be doing since wiring the money in XXXX. I have taxes that will be do, and homeowners insurance that XXXX are included in my mortgage. I can send you copies of every letter I have received from them, Wells Fargo, and how the date gets pushed back. Can you please help me with getting the proper help in clarifying this matter. Thank you for you time again in this matter. Account Number XXXX Case Number with cfpb XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This inquiry was not authorized by me.

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 2020-07-17
Company: Midwest Recovery Systems
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: Account status incorrect

Complaint:
Midwest recovery has placed a collection on my credit report from a payday loan that is fraudulent. This is the second time I have gone through this with Midwest recovery systems. Last year they tried to add false information and dates in order to scam me for the exact same thing. After I complained to the XXXX  they were removed from my credit reports. They have now reported false information again, I never received any bill or itemized description of the debt whatsoever. Nor have I received any calls or emails regarding the collection. They placed this on my credit report with hopes that I would just pay it to avoid the hassle. It is a 100 % scam. It caused my score to drop 65+ points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was made aware of some inquiries on my credit report that do not belong to me today XX/XX/20. The way I found out about these inquiries was because I applied for a credit card and I was not approved because of these inquiries. I did not allow any of those companies to run or access my credit nor did I allow anyone to make these credit inquiries in my name. I did not benefit anything from these inquiries that were made in my name without my permission and I have already filed a police report and I contacted all of the creditors listed on this 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 explanation
Consumer complaint received 2022-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
I was never late on this account. This account is reporting inaccurate information which is highly damaging me as a consumer. I NEVER LATE PAYING ON THIS ACCOUNT! This is incorrect reporting!

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 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.

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 2020-07-21
Company: General Motors Financial Company, Inc.
State: PA
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:
The account was closed and charged off in XXXX. There is a charge on my credit report that suggests other wise. According to XXXX, I made no payments in XXXX ( because of the charge-off ) except for a payment in XXXX and a payment in XXXX. Then the report states, no payments until XXXX of XXXX. I am very confused as how a payment could have been made on an account which was closed several years earlier. Then a negative report in XXXX of XXXX. This is a fraudulent attempt to collect an expired debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Midwest Recovery Systems
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The amount of {$820.00} is what Credit Collection Services keeps claiming that I owe for a visit that I had made to XXXX XXXX in the fall of 2020? I've repeatedly informed this company that I had paid my medical bill at the point of service but for some reason they keep blackmailing me to pay an outstanding surprise bill/debt of {$820.00}? 

Please see attached fraudulent invoice they keep sending me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$970.00}. 
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 Lending 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.

-- CLOSED ACCOUNT -- XXXX. XXXX/XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$970.00} -This is not my account.

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681a ( d ) ( 2 ) ( b ) Exclusions, to request you remove this item immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported illegally.

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 2022-04-12
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I had a XXXX XXXX XXXX account through Synchrony Bank. I was make automatic payments for my XXXX XXXX XXXX via this account. Somehow, on multiple occasions, the account was used for fraudulent charges AFTER I had paid off the account. Upon the first time calling Synchrony, they cleared the fraudulent charges. Then, it happened again. At this time, I had paid the phone off, and was no longer using the phone, or the associated email address as I had moved on to using a newer XXXX. The account started withdrawing automatic payments from my account, to pay for these fraudulent charges. Synchrony has made no attempt to repay these payments to me, and since the email address, and mailing address they had on file were no longer valid, they could not get ahold of me ( they never tried calling, or validating my email, or mailing address ) and sent the account off to collections. 

Over the course of 6 months, after many " fraud '' reports via Synchrony bank, and multiple times of them telling me that they felt the charges were valid, Synchrony finally this past XXXX of 2021, determined that these charges were in fact ALL fraudulent. I never had a credit card issued to me for this account, as it was JUST for my phone, and there was no way I could have made these charges. But, sadly, they had already sold the account to XXXX XXXX XXXX. I have a letter, in hand, from Synchrony, that shows that their fraud team has determined that these charges were fraudulent, but XXXX XXXX XXXX says that this is not enough, and will not remove these charges from my credit report until I file an official complaint, notarize it, file a police report, etc. It's really just a nightmare, and meanwhile, I am having a difficult time buying a car, and a home, for my young family. This is very frustrating. XXXX XXXX XXXX will not stop harrassing me, and now I am following my due diligence of doing what they have asked and filing a report on this website and notarizing it, etc. 

Again, I have the letter from Synchrony in hand, and a digital version of it ( printed and digital ) that says that these charges were in fact fraudulent. But, XXXX XXXX XXXX will not comply.

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 2015-10-26
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I received a bill for my American Express corporate card for a charge in XX/XX/XXXX I never initiated. I disputed the charge, advising I was never in that location, and there will neither be any A ) security footage of me using that card in that location or B ) documentation with my signature. Amex came back without any footage from the store in question and with a receipt that did not have my signature on it. The person who signed the receipt did n't even try to sign my NAME, much less my signature. AMEX claims the receipt which is clearly signed by someone else is proof enough and that I am responsible for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This bank has cause me emotional pain during this most difficult time that everyone is experience. We are in a difficult time that everyone is using their debt card. A lot of businesses are dishonest and if I order a product and never receive my product the bank give us the right to dispute, After I did so Wells Fargo want to punish me. I have bank with them for over 8 years and the moment I have money in my account them want to punish me. If I dispute a merchandise and receive the mechanize I will call wells Fargo to inform them that the product was received and they will closed the case ( It never mentioned as if I called but a represent will put close on there, but I will call and closed the case, on so many occasions. I believe because I informed they about a mechanize I never receive they decided to punish me. I need to use my debit account, who can stay without their debt card for 12 months, Everything we buy is by using our debt card. During the worst economy time in America,  they have cancel all my debt card. I am so upset and need to contact the consumer protection who can protect customer because these banks are run my frauds who only care about their money and not the customers. I can't go into your bank and touch any money during this coronavirus. You want to give me conronavirus with getting money from the bank.

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 2019-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I tried to have fraudulent data removed from my credit report and customer message service wouldnt help me so I opened a dispute and the fraudulent data wasnt removed.

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 2019-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a complaint against XXXX XXXX XXXX The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2019-12-01
Company: Experian Information Solutions Inc.
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:
I tried to have fraudulent data removed from my credit report and customer message service wouldnt help me so I opened a dispute and the fraudulent data wasnt removed.

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 2022-08-26
Company: Sequium Asset Solutions, LLC
State: CO
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 called the collection company and they will not talk to me because my name/address doesn't match their records. 

I also called the XXXX who was listed as the original creditor per my repot and they also confirmed I still have an active account with them and they have never reported me to collections. 
I called XXXX, XXXX and XXXX and found out that this collection company is the one who reported the address and the name to my credit report. 
I am now filling this complaint, how can this collection company file something on my credit report that is not me. It's not my name, not my address, it's not my bill. 
they wont even talk to me because the collection is not mine, but they are still reporting it on my credit report.

Company response to consumer: Closed with explanation