BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, DPT EDXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2900.00}, DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}

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 2015-08-02
Company: Messerli & Kramer P.A.
State: ND
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have send several request to former law firm when was served papers by the sherriffs dept of a attempt to collect debt but have never received a response back w/requested proof & now it has been assigned to a new law firm. I have kept all emails send to prior law firm notes made on letters & print screens along w/mail receipt of formal letter showing letter was received from the prior law firm & now a new law firm is trying to attempt the debt. 
I am also sending them copies of the requested/papers sent to the prior firm for their review as of XXXX/XXXX/15 via the post office. 

I do not know who the debtor is that is why I have disputed the debt & requested proof as in the past I have had my SSN # stolen before I got my 1st credit card so am leary that it could have happened again & I stated that in my concern letter that was sent to the law firm. Legally they have to provide me w/proof of the debt & have not complied w/my legal rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XXXX of XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00}.

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 2016-03-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After purchasing a loan from Wells Fargo, my initial payment to the bank was made on XX/XX/XXXX. On XX/XX/XXXX I was informed that my payment for XX/XX/XXXX was past due. Online records from Wells Fargo 's own website indicate the payment was made and applied to the loan on XX/XX/XXXX. On XX/XX/XXXX there was a payment reversal made for the same amount of the original payment. The loan was reset to the original amount on XXXX/XXXX/16. On XXXX/XXXX/16 there was another reversal in the amount of {$4.00} and the outstanding balance was reduced by the original payment amount. On XXXX/XXXX/16 another reversal was made and the loan amount went back to the original balance prior to any payments being made by me. On XXXX XXXX I was informed the account was past due.

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 2020-01-14
Company: ACIMA CREDIT, LLC
State: IL
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:
Company is reporting my account as a charge off and the account is open and was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had a Citibank account for a little over 2 years. No problems. No overdrafts. I even have my sales from my merchant account deposited daily to my savings. Well everything was going good until I accepted their offer to upgrade me to gold status. I accepted the invitation with over $ XXXX & counting in my accounts. I go to apply to buy a new car & my account is locked right after XXXX XXXX rubs my credit. I call them after they email me from fraud. Of course theyre closed. I wait until Sunday, XXXX XXXX and get the complete runaround. Im told my account is locked and set to close. This is a shock to me because they just upgraded me to gold status! How could this be?! Long story short, I call from Sunday -Tuesday and finally decide to go to the bank. Im told I cant remove any of my funds because of fraud. Fraud?! Ive had this account for over 2 years! What fraud?! They process my business sales! How could I be fraudulent?! This is my only account and I have no access to my money to run my business or my household. My bills are all on auto pay and now theyre are bouncing back! Citibank is trying to ruin me! Ive worked hard for my money! Im a single mother of two with a successful e-commerce business & happen to be XXXX. I feel I am being XXXX XXXX. I need my money. Please help

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 2021-02-22
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company was contacted via mail and informed to cease communication after not property validating a purported debt. The company received the notice and still contacted me attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block this account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX Opened : XX/XX/06 Balance : {$0.00}

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 explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

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 2018-04-02
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a Business Account in Union bank in XXXX, 2017 and was asked to keep {$2500.00}, and the Bank will not charge me a fees, this is the third time they are charging me a fees of {$5.00}, earlier they charged me {$7.00} XXXX times and I have to call in to get the fees waived, I have other things to do, I can not waste my time doing all this, they shouldn't be charging me a fees as I am doing all the things which I am supposed to do.

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 2015-06-23
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Chase received a payment on our Chase Visa from a XXXX account that we have used to make payments for years.  The payment was returned as the XXXX Account was blocked when traveling XXXX.  Once the travel was completed XXXX unblocked the account in a day.  Chase has since processed payments from this account on other Chase Visa cards we have and deposits without issue.  However the particular Chase Visa account in question cannot be paid with the XXXX Checking account, because Chase has blocked payments from the XXXX account for Visa Chase Visa Card *******************

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. I have paid all my payments on time. 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2020 I Paid of {$10000.00} balance on my off. at Bankofamerica. which left with a excess of {$310.00} credit Bankof America was to transfer {$310.00} into my checking account. They said at that time 3 days. After that I checked my Bankofamerica checking account and it was not in my account. I called my credit card company on XX/XX/2020 they charged me interest of {$40.00} on purchases then charged me {$59.00} on cash advances. This card was paid off in full on XX/XX/2020 and they said they have 5 more busnis days because there might be residual interest. 
They refuse to refund the money or transfer the {$310.00} I need the money to pay my bills. 
XXXX XXXX My email is XXXX, phone number is 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 monetary relief
Consumer complaint received 2016-10-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Subject : Regarding Loan Number XXXX Ocwen Loan Servicing, I just received a notice that my monthly payment will increase to {$2100.00} on XXXX XXXX that is a whopping 117.05 % increase in my monthly payment!!! 

this loan was not originated but Ocwen but IndyMac Bank which was shut down then the loan servicing was transferred to Ocwen. 
the dishonest loan officer at IndyMac Bank inflated and falsified my income to qualify for the loan. 

it was my understanding from the loan officer that the interest only payment is 10 years but my payment could only go up 7.5 % after that. 

I am XXXX yrs old and have lived in my home for 26 years. I was recently laid off my job and looking. 
My only income is SS and a small pension. 

I might need a loan modification to continue if I can not find work. 

How can you help me? 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Loan XXXX

Company response to consumer: Closed
Consumer complaint received 2016-03-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I had a Prepaid American Express SERVE Card which was originally for a mobile wallet. I have n't used it in a year and in XXXX received an e-mail my balance was {$0.00}. and fee could n't be taken in full. I was unaware of any fee. I check and there was a lot of fraud transactions between my XXXX XXXX, XXXX statement and the XXXX/XXXX/XXXX statement. The balance had been around $ XXXX. I called and explained every transaction was fraud. He offered {$9.00}. back out of my {$57.00}. After many reps and their fraud dept. they started giving me credits well above my original balance. I tried to explain it was too much and just wanted my original balance back. I closed the acct and they refunded the high amount of {$85.00}. Now I get an email saying I have a negative balance, so I call and they want {$79.00} back. So now that leaves me {$5.00} credit from my original {$57.00}. 
I ca n't access online statements anymore and their customer service claims they have no access to anything before XXXX/XXXX/XXXX, so they ca n't see my XXXX/XXXX/XXXX balance and ca n't refund me any money. So basically they refuse to do anything. 
If you go read their Serve XXXX page many people have similar issues and there are many online forums with frustrated customers who ca n't get refunds. I 'm attaching my letter to them which has gone unanswered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2016-05-25
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National Credit Systems is unlawfully reporting an account on all XXXX of my credit reports that does not belong to me.In contacting this debt collecting agency to request debt validation for the account ( XXXX apartments ) I was told that the wrong information was uploaded to this account, that supposedly belongs to me, ( that there was information there under this account with my personal information on it, but that the documentation that they have to support it is incorrect and belongs to someone else ) and that they did not have any type of original contract etc to provide at the moment. I was also told by the representative XXXX XXXX XXXX that she would request this information from the said original creditor and to wait a weeks time. I also spoke with XXXX 's supervisor XXXX XXXX XXXX XXXX who also advised me of the same thing, that he would request this information and to wait a weeks time. It is now concluding week XXXX and I have yet to receive and type of documentation. After first waiting for a response, I decided to contact the original creditor ( XXXX apartments ) and spoke with the manager directly who informed me that there was no knowledge of an account under my name. She also stated that if there were, the agency should have it, which again, both the representative and her supervisor stated that they did not but that they were requesting. I then contacted the agency again and was informed by XXXX that there were XXXX request over the past few weeks made by both herself as well as her supervisor, but nothing was ever received. XXXX then stated that she did not know what was going on and that she could only inform me of what she was seeing which was that someone else 's information had been scanned to an account that supposedly belongs to me and that XXXX requests were made to obtain this information but that nothing was ever received. I was then transferred to her supervisor ( XXXX XXXX XXXX who stated that they would no longer take anymore phone calls from me and that I needed to have an attorney contact them, which I find odd since they are reporting me in an attempt to collect a debt which again does not belong to me. XXXX XXXX then disconnected the call while I was still attempting to inform him that this creditor stated that there was no documentation of any kind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2022, and XX/XX/2022 I filed disputes with XXXX, XXXX, and experian, all 3 credit bureaus due to there being collection accounts that are not mine ( 4 to be exact ) on all 3 of my credit reports. According to the rules and or laws for your guidelines, I got no response in a reasonable amount of time and heard no answer or anything explanation whay is happening. I would like these items removed from all 3 of credit reports, thank you. The items are : 1. XXXX XXXX. Acct # XXXX Account is not mine. 
2. XXXX XXXX XXXX XXXX Account Number XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX. Account is not mine. 
4. XXXX XXXX XXXX Account # XXXX. Account is not mine.

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 2022-02-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have requested my annual credit report using XXXX. fromXXXX, Equifax, and XXXX. I received XXXX 's report without issue. I have made mutiple request to Equifax and XXXX multiple times. Equifax and XXXX never cooperate. When free a free credit report is requested Equifax and XXXX continually refuse request with error submissions. I have read multiple complaints expressing the same issues over and over. It appears to be an online tactic by XXXX and Equifax to discourage the consumer from seeking free report to the point we will just pay for the report. 
XXXX has no online problems furnishing the annual credit report thru XXXX or correcting any incorrect information on consumer 's credit report when requested so I ask " If XXXX can comply with furnishing Annual Credit Reports without issues, Exquifax and XXXX should do the same ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made

Company response to consumer: Closed with explanation