BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-23
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I'm XXXX and retired on XXXX. I've been having trouble with M & T bank for some time now. I will try to make this as short as possible. 1. A few years ago I had to file bankruptcy for my account with M & T. 2. Last year the bankruptcy was done. 3. M & T filed a sheriff sale on me. The amount they wanted me to pay to stop the sheriff sale and have my loan modified was the amount paid to them from the bankruptcy. 4. I received a phone call from a man identifying he was with M & T. He knew my account details and told me how much to send M & T to do the modification. 5. I sent the payments to the address, person, and made payable to M & T. 6. I made these payments for about 6 months and I then had a paper stuck on my mailbox from a realtor saying my home was in foreclosure. 7. I called M & T customer service in New York. After being on hold for quite some time the woman came back and told me I was going to be evicted because I didn't respond to the sheriff sale notification. I explained everything and she said there was nothing I could do. 8. I contacted the XXXX XXXX  XXXX and the referred me to XXXX XXXX XXXX and was assigned an attorney. 9. M & T denied any monies were ever paid to them from me or the bankruptcy. 10. I sent them copies of all my documents and money orders. My attorney also gave them copies. 11. The other day the sheriff served me with ejection papers, I contacted my attorney and he said that M & T has no intention of working with me. I asked to buy my home from them for what was owed on it but they don't want to work with me and my attorney said I might not have any options. 12. There has got to be something I can do to keep my home that my Dad built in the late 1950 's. Well that's basically my situation in a nutshell. I feel that M & T has been harassing me and lying to me for years. I'm not sure if that would fall under elderly abuse of any kind or not but I am emotionally and mentally fatigued and my health is going down hill over the worrying I'm under over this. I hope you can give me some advice or help so I can keep my home. Thank you and God bless, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, Pa. 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 2023-03-20
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
PayPal made an incorrect calculation on my XX/XX/2023 statement. 
I have a credit of XXXX from XXXX and a Previous Cycle Debt Can Fee Credit of XXXX. They were not applied correctly. XXXX is XXXX. Instead, I was charged 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 2023-08-30
Company: Commonwealth Financial Systems, Inc.
State: TX
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:
Identity Theft Letter to a Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX COMMONWEALTH FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Account # : - XXXX XXXX Account Type : - COLLECTION COLLECTION Account Type - Detail : - Collection Collection Account Bureau Code : - Individual Individual Account Account Status : - NotsatisfyingXXXX - Monthly Payment : - - - Date Opened : - XX/XX/2023 XX/XX/2023 Balance : - {$1000.00} {$1000.00} No. of Months ( terms ) : - 1 Month - High Credit : - {$1000.00} {$1000.00} Credit Limit : - - - Past Due : - - - Payment Status : - Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Unpaid Last Reported : - XX/XX/2023 - Comments : - MEDICAL Date Last Active : - XX/XX/2023 XX/XX/2023 Date of Last Payment : - I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with [ name of business where account was opened ]. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft. 

I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report CFPB 's Notice to Furnishers of Information [ PDF ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX, XXXX, was the first time I wrote the credit bureaus in regards to a few accounts that is reporting inaccurately to my credit report. XXXX XXXX XXXX ( XXXX {$10000.00} ) was not verified as of today. And it's still not reporting right. I have yet to receive a response as of today. The last letter I sent was XX/XX/XXXX. I have proof of everything but I'm only going to upload XXXX, XXXX, and XXXX. If requested, I can send XXXX, XXXX, XXXX and XXXX. Can you please investigate this account and inform me of the status.

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 2023-03-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On today ( XX/XX/23 ), I received a call ( which I did not answer, but was left a voice-mail ) that stated a civil complaint has been filed against me and was advised to contact XXXX and provide the complaint number of XXXX. The caller stated his name and that he was calling from a XXXX XXXX XXXX. The number he called from is XXXX. 

I called the number and was told that I have an outstanding account with JP Morgan of {$2800.00}, which was originally {$8700.00}. I explained to the man, " I have never done business with JP Morgan and don't understand how I can have an outstanding account. He was able to tell me my D.O.B and social security number, which I NEVER confirmed. 

Unfortunately, being nervous and overwhelmed, I confirmed my home address and gave him my e-mail address and he had a docusigned form sent to my e-mail ; however, I did not open the e-mail. 

After hanging up, I checked the three Credit Reporting Agencies and noticed that on today a company with the name of XXXX XXXX XXXX out of XXXX, CA XXXX made a soft inquiry through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : Dept Of EdXXXX XXXX, Dept Of Ed/XXXX XXXXXXXX XXXX Dept Of EdXXXX XXXX XXXX and Dept Of EdXXXX XXXX. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please correct and update.

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 2023-03-20
Company: JPMORGAN CHASE & CO.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I was contacted by Chase Credit card services to set up a settlement. I offered the amount I could afford to pay them, and they accepted this monthly payment with a reduced balance. They are now saying there was never a settlement, and they are now saying I owe the balance in full. 

I requested the call recording with their agent be reviewed, and it denied my claim. however in order to listen to the call, I would need to subpeona their call records through a lawyer. I am unable to afford a lawyer, and I feel this bait and swith process should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: 21ST MORTGAGE CORP.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My IRS refund was sent to a wrong Chase account by a software error on XXXX XXXX. This Chase account is 17 digits long, and I have been told by Chase customer service representatives and by my local bank manager that this account is not owned by anyone. The refund of XXXX XXXX XXXX  dollars was sent and deposited into this account on XX/XX/XXXX. On XX/XX/XXXX I called the IRS to find my refund and discovered it was sent to the wrong Chase account and that it was deposited and accepted on XX/XX/XXXX. on XX/XX/XXXX I spoke with five different customer service representatives attempting to resolve this but did not make any progress. The following day I went to my local branch and spoke with a bank manager who field a claim for the deposit to be sent to my real account. On XX/XX/XXXX I received a letter fromChase denying my claim. I again went to my local branch on XX/XX/XXXX and spoke with the bank manager again to resolve this, which they now said it has to be corrected by XXXX. Chase, the IRS, and XXXX have all repeatedly said that they can not fix this issue and to contact the other parties involved. I have been on the phone with all the three institutions for the last two weeks attempting to fix this without any success. The IRS has repeatedly stated that the only way to receive my refund is to have Chase bank return the deposit to the IRS, or have Chase do an ACH transfer to my actual Chase account. Chase has refused to do this, and has given up trying to help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00}

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 2023-05-29
Company: Experian Information Solutions Inc.
State: NV
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:
n accordance with the Fair Credit Reporting act XXXX collection bureau of XXXX XXXX, XXXX XXXX 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

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 2023-03-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove : XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; BANK XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$650.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ( XXXX XXXX ) ) XXXX Balance : {$0.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XXXX XXXX, XXXX. 

that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX, Ive already included this in my previous Complaint & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/, I tried to dispute a credit card balance on Transunion 's website and it kept giving me an error. Then I tried to pull my free credit report, and again, Transunion 's site indicated an error, that I was unable to get my free credit report. So I called, and the agent said I could not get my score without paying {$9.00} and to get my report, I would have to be transferred to their " technical '' department. 

Doesn't the CFPB, the administration, and government agencies at-large see a huge conflict of interest with letting these credit bureaus, all three and maybe the fourth, compelled to provide the American people with the information they SELL to private industry - and also sell all their product lines along with it? The identify theft protection, the credit monitoring, the fraud prevention- they're selling Americans all their bells and whistles and conveniently not able to provide us with our own information for free as agreed. Who is looking out for us? These bureaus are for-profit entities and our consumer protections against their quite often wrong information, black box algorithms for scoring, and suite of tools designed to make Americans pay for their information they're entitled to review and dispute- is eroding quickly. Who is watching out for us on 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 2023-08-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This complaint is against Wells Fargo. In a recent response letter from Wells Fargo in response to my CFPB complaint, the following was stated on paper and thus on record : If I wished to close my account, they gave me their Customer Service # to call in order to close the account. This was needed because they have refused to give me access to my account, as the Identity thieves have controlled my accounts since XXXX XXXX, and Wells Fargo has consistently refused to help me, yet give the ID thieves total access to my accounts. They told me that I needed a reference # to close the account. I've been given no reference #. They refuse to accept their letter as verification. The reason this account needs to be closed, is due to the fact that they allow the identity thieves to have access to my accounts, and thus drain the monies. It is impossible to work with Wells Fargo. They tend to treat customers with pure hate. Don't take my word for it, just review the many, many, complaints, available for the world to see!!!

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