BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was 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 XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Whenever I have to answer the random questions used for ID verification the questions have answers that belong to either my XXXX or my XXXX. 
At one point there were four people in at y address with the name XXXX XXXX. 
I can not pass this rest because the information in the questions belong to at least two other people. 
I have to go into a local office to prove who I am. 
Not a single organization will make an attempt to correct that data. 
I have been fighting this problem for over ten years and have reached the point of filing a law suit against the organization asking me the questions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
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 recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau multiple dispute letters in regards to the below accounts on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. To date, I have not received any investigative results reports for any of the above dispute letters which currently are all in violation of the FCRA bureau response deadline guideline. 

I had filed an Identity Theft report, refer to the attached POLICE REPORT. Please be advised I have a {>= $1,000,000} business transaction in escrow pending but it will be cancelled by XX/XX/XXXX unless these accounts are not immediately deleted. I would prefer this to handled without damages and litigation.

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 2016-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Several weeks ago ( 3-5 weeks ) Transunion removed all of my hard inquiries from my credit report at that time my credit score was between XXXX and XXXX depending on which agency I looked at. After the removal of the hard inquiries my score increased again to almost XXXX. This past week I checked my credit report and Transunion added all of the hard inquires to my credit report again causing my credit score to drop drastically to below XXXX. I contacted Transunion and spoke with a customer service rep and his supervisor who told me that the inquires were removed due to a " technical issue '' at this point I informed transunion that the re-addition of the inquires have significantly hurt my credit score, the supervisor told me that the inquiries that were added back to my credit report did n't change my score at all and refused to remove the inquiries again. I want to buy a home in the beginning of next year and have been working very hard to improve my credit score. I feel that I as the consumer should not have to suffer due to transunion " technical issue ''.

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 2017-03-15
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Late fee

Complaint:
This is a follow up to complaint # : XXXX. 
The original complaint is as follows : My credit card issuer, XXXX, assessed my account with late payment fees of {$25.00} on XXXX/XXXX/XXXX, {$35.00} on XXXX/XXXX/XXXX and {$35.00} on XXXX/XXXX/XXXX which were all a direct result of XXXX 's payment system being unavailable to access requests from XXXX and their Customer Care Agents providing incorrect payment processing information. In speaking with their Internet technical support services staff 3 days prior to the initial fee assessment they informed me that they were not able to provide an alternative and advised me to contact the XXXX 's Customer Service telephone line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. In following up with a phone call to an Account Manger on XXXX/XXXX/XXXX I attempted to dispute the prior assessed late fee and also requested to have my current payment due processed by phone and also have future payments automatically drawn from my checking account - none of which was done properly. 

In following up with the account management team on XXXX/XXXX/XXXX I learned that the likely reason for the miscommunication was that the support services staff, which was recently outsourced, was not familiar with the newly implemented procedures. 

I 've been a customer for approximately 15 years and only within the last 12 months have I encountered repeated billing and payment issues but early on I was able to reach an " on-shore '' representative which took the time to research my issues, provide guidance and prompt service. Unfortunately, and as of late, there is no follow up from any of the account managers nor responses to letters or phone calls. 

Complaint addendum ( XXXX ) Today I spoke with a representative ( XXXX XXXX XXXXXXXXXXXX | XXXX ) from Citi 's " Executive Office '' and after reiterating the details of the complaint above the representative was inflexible regarding the reversal of fees in addition to updating the negative credit reporting entries. In the course of our discussion he informed me that he reviewed my call history with Citi and found no record of my discussions with other representatives or prior service issues. I then proceeded to provide the dates and various representatives names I spoke with in attempting to resolve the issues. He claimed there was no record of any such discussions. I then provided details regarding internal process changes and dates that directly resulted in these issues and despite confirming my knowledge of said process changes and their time frames, which were not discussed in any of the calls he claimed to review, he refused to further investigate the issue, change his position, escalate the matter or provide any solution.

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 2015-11-02
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I told First Merit Bank employees on XXXX XXXX that my wife and I would file complaints against it with the CFPB. Simultaneously, I presented a corporate dividend check for {$3.00}, cashed it, and then deposited the money into my checking account, as has been the pattern I have utilized cashing and depositing for the past five years. However, in retaliation, First Merit Bank employees at the XXXX XXXX, Ohio, branch afterwards put a hold on the check. Since no holds were ever placed previously on at least 99 % of my checks, it is obvious that First Merit Bank maliciously placed the hold in retaliation. Moreover, no employee of the bank notified me that there would be a hold placed on the {$3.00} check. First Merit Bank 's practices are against the interest of the public From the bank 's website re my account :. Date Type Description Withdrawal HoldXX/XX/XXXX HOLD {$3.00} HOLD ON {$3.00} DEPOSIT {$3.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, there was a charge for {$2400.00} debited on my account. I called chase to file a claim and they gave me a credit for my money back. A week and half or so later, I get another charge, this time for {$3000.00}, same merchant. {$5400.00} in less than 2 weeks or so. I called chase to file a claim again, but they denied the charge for {$3000.00} claiming they found " no evidence of fraud ''. I am 100 % positive that if I were the one using {$3000.00} of my money on something, I would be aware of it. Just today, they reversed the claim for {$2400.00} citing there was " no evidence of fraud ''. As a bank you really can not do that and just XXXX your customers over ... .thats why people change banks. I called customer support and they were of no help really ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
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:
Un-valid Inquirys on my Report that are not recognized by EXPERIAN in XXXX of 2021.

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 2016-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint becasue TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not vefify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possiable. 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 non-monetary relief
Consumer complaint received 2020-11-11
Company: Harvard Collections, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First I was not told that it was a debt collector attempting to collect a debt on three occasions on the call. I was not mini Miranda. I was not told that the call may be recorded and may be monitored at onset violating my rights, in fact on the call from today I had to ask him are the calls being recorded and he said yes and I said why wasnt I told before we started talking and he said I was going to do that. Ive spoken to a woman about two weeks ago who I asked for documentation of what the debt was what it was for when it was delivered, where I made purchase, when, etc. I needed to know about my debtwas from 2014. Yesterday I got a call from a gentleman who is rude and pretty much accused me that the letter was sent and now this have to be resolved I told him I have not received the letter he belittled me and wanted and kept trying to close still no Marandas no asking me to verify something and was upset when I asked for a manager. I received no return call so I called them today since I did get the letter. The man said he was going to call me today. He asked if I was ( name incorrectI asked several times giving me my address. I said that isnt my namehe said if my name changed it doesnt matter ). now if it was not me he wouldve been giving out my personal information to a third-party these are all violations of the FDCPA now I got the letter it was a letter of representation and an offer to settle it did not provide me with the what the purchase was when was it delivered who was it too I mean I have no idea of what this is and now a different name??? OK well the gentleman today I said to him I was supposed to get a callback from a manager. I dont even know if the guy yesterday did try to get a manager he said my manager is busy Ill have him call you back he did not these people are using deceptive practices they are not advising correctly as far as the attempt to collect the debt mini Miranda and since I did ask for documentation and proof or validity of the debtThey refused they said the letter I got was all I needed thats not what I needed thats not what I asked for and today I told him if he cant acknowledge my rights I dont want them calling again and if they do I am taking this all the way up to the attorney general and getting a class action lawsuit I am a senior citizen and I expected a bit more concern and accommodation of my request for assistance. They were rude they were belittling they refused any assistance they raised their voice and they made me feel like some fifth class citizen you know Im getting old I need help sometimes in remembering this was from 2014 they took advantage of me theres no question about that. This was blatant deceptive violation FDCPA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have contacted XXXX and they said they do not have any record of this discrepancy on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX I sent in a dispute letter to Citi Cards CBNA and all XXXX credit bureaus. On XX/XX/XXXX I sent a second dispute letter to Citi Cards CBNA and XXXX  credit bureau regarding a collection/charge-off that was opened in XXXX. XXXX  is still the only credit bureau listed on my credit report while XXXX  and XXXX  has since deleted this collection/charge-off from my report the first time around. It is well over 30 days again and the account still has hasn't been updated or 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 2016-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion deleted XXXX XXXX and XXXX. I have never heard or authorized XXXX. I have a fraud alert on my credit report. I did authorize XXXX XXXX/XXXX/16 as they called me to ask if they could use my credit report. But again, they deleted both and I received an alert from XXXX XXXX, which shows they went back and put both on my credit report on XXXX XXXX. I need for them to delete. I contacted Transunion and they refused to so anything.

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 2016-08-27
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I moved from paying my car loan once a month to weekly to reduce the high interest rate. My payment was due on the XXXX of every month, so I made the normal payment of {$570.00} and then the next Friday, I paid XXXX and set it up as a recurring weekly payment through my bill pay with XXXX. These check when sent are withdrawn immediately from my account. It was almost 4 weeks later that I received the first check back with a letter from Santander. The letter stated that the account number listed could not be located. ~The account number is clearly printed at the top of the checks.~ I have tried to resolve this issue with them, but even the Office of the President is not making any progress and I am now 3 days late for the payment and interest and late fess have started to accrue. There is no problem with the payment, the checks or the account. However when I call in to the Presidents office my phone call is " answered '' with no one speaking for up to 30 minutes, when I call from a friends phone I can get through to them immediately and then am given an excuse like they are researching the matter and if this was their fault they will refund excessive fees, but will not put that in writing to me. I feel I have no other options for making my payments and have no where else to turn to pay my bill. 
I have made 12-15 phone calls about this, spent more than 25 hours on hold or getting bumped from department to department. I am exhausted of this and just want to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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: Account information incorrect

Complaint:
This information is not mine. I have sent letters and called to report this issue for over 4 months. I was informed that the information would be removed. It is still showing on my report. It does not belong to me. 

XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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:
I bought this time share XX/XX/XXXX, paid 1 payment then couldn't use the facility or any other facility. I called the time share company up & said I don't want to buy this type of a scam & never paid on it again. Since XX/XX/XXXX my credit report is showing my high credit amount is {$490.00}, my last payment was XX/XX/XXXX, my balance owed is {$15000.00} noting " reclaim colltrl to settle dflt mtg ''. The only thing that may be correct is {$490.00} I paid. I should owe that company nothing because i received nothing for what they promised. This is a scam & they should not be allowed to be in business. I've called the company many times, they refuse to remove anything from my credit 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 2020-11-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a home mortgage with Wells-Fargo Bank. As part of what they described to me as " convenience, '' they asked me repeatedly to also open a " free '' checking account so that payments to my W-F home mortgage account could be transferred online rather than making payment at a W-F branch. 

I explained to them that I already had both a checking and savings account with XXXX XXXX XXXX. The manager in XXXX branch in XXXX, VA, lobbied me hard to open a W-F checking account every month I stopped by to make my mortgage payment. 

When I paid of my home mortgage loan in XX/XX/2019, I had {$150.00} in the W-F checking account. I asked the manager to close the account and was told they would mail me a check to my home address. 

I never received a check for the balance on the account. To make matters worse, every month thereafter my W-F checking account was charged fee after fee that I'd never been charged for previously. When I called to complain, I was put on hold or transferred to another department. The fees kept piling up. When Covid hit, I couldn't even go to my local W-F branch to work out the problem. 

As of today, I've had enough. I called Wells Fargo Customer Care Team at XXXX. I was told the account had been closed and was now in collections. 

I am furious that Wells Fargo pushed me as they did many others to open unnecessary checking accounts and then began charging fee after fee, especially when I was told THERE WOULD BE NO FEES. As a result, I not only lost the balance of {$150.00}, I also now have a charge-off on my credit report thanks to the incompetence of Wells Fargo.

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