BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/XXXX I submitted a complaint to these companies. It is been 55 days and I have not received a response from the bureaus or companies listed. These companies have yet to validate my request and the negative information in my report does not belong to me. I sent a letter with documentation requesting to prove the debt is mine on XXXX XX/XX/2021 and have not received a response. I am aware that according to Fair Credit Reporting Act Section 611 ( a ), a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has been over 55 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the XXXX and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: CAVALRY INVESTMENTS, LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want you to take a look at the Correspondence of your so called attorney office when they cease and desist and return the debt back to you! They were trying to collect for you I need for you to tell me what rights did you have to collect on this erroneous account and place this item on all reporting agencies After your law firm understood orders and stopped all collections and return it to you? did they advised you of the noticed to cease and desist? Yes they Did this is exactly why Im coming after you for violations. Please send me a copy of what crawly law firm sent to you and upload it to the CFPB website

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 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 non-monetary relief
Consumer complaint received 2021-12-13
Company: Ray Skillman Northeast Buick GMC Truck Inc
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I bought a 2011 XXXXXXXX XXXX and I had nothing but trouble with the vehicle. The check engine light kept coming on, and they put like {$300.00} worth of work into it, but the check engine light still came on. About 7 months after the purchase I got a recall notice in the mail for the XXXX, and it stated that the engine has a recall because of oil consumption issues. I brought this to the attention of the service department and they never fixed the issue. I had the vehicle for 10 months and the motor went out. I was told that they could put a new motor in and it would cost me {$3700.00} and I would have to pay {$370.00} every two weeks. After explaining that I could not afford that XXXX told me that he would speak to his boss to see what we can do. I waited for his call, but he never called me back, I even tried to call him to no avail. I had {$1500.00} to give the car lot to get my car back, but I still hadn't heard from them. So, I had to go purchase a new vehicle, and I lost everything in my XXXX. Now, after a year of them having possession of the vehicle they're trying to sue me for {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have new and updated information about NCS ( National Credit Systems ), they have failed plenty of times to provide me with a signed lease agreement from the alleged original creditor. Which is a violation of my rights as a consumer. They have continued to send the same documents that's not signed by me or anyone that works for XXXX XXXX XXXX. And I have asked for any documentation with my name on it to validate this alleged debt and they haven't sent any documents to prove I signed any lease aggrement or form saying I am liable for this debt. NCS have proven time and time again that they don't have anything with my signature on it, just these very false and misleading documents that they keep uploading which or a violation of the FDCPA as well. Im asking you CFPB to do your job and protect me as a consumer and demand these people to stop holding me and my consumer report hostage and delete all negative reporting from all CRA 's. This has hindered me for years and my children or suffering from NCS violations of the FDCPA. AND PLEASE THIS SHOULD BE HANDLED IN LESS THAN 30 DAYS NOT 60 DAYS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Capio Partners, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I frequently monitor my credit and discovered two collections charges from Capio Partners. One charge is for {$1500.00} and one for {$1500.00}. 

I called the collection agency to see what these charges were about and was told it was for XXXX XXXX provided in the state of XXXX. I have never received medical service in XXXX! It is obviously not me but no one will remove these charges. I have filed a complaint with my local Sheriffs office in XXXX XXXX  but not sure that does any good. Please help as Ive worked hard at maintaining near perfect credit and this is hurting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
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:
I informed Equifax of inaccurate items on my credit file. After being notified, they continued to report inaccurate information on my credit file. They also stated that they verify certain information on my credit file with a third party who stated they don't have the information in question on file. Not only are they committing identity fraud, but this is negligent and a violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: VA
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:
Experian XXXX XXXX XXXX Account XXXX I In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of XXXX XXXX not complying with the consumer law if not remove immediately I will be filling for damages with the law

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : 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 2018-10-08
Company: EQUIFAX, 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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the student loan XXXX XXXX has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: MA
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:
Dear Federal Trade Commission, I have written to Equifax on several occasions disputing the fact that the items listed below are incorrect. The credit bureau has either refused to respond, sent a frivolous letter, sent a working with a credit repair company letter, or continues to state that they have verified the debt. Let this be a formal complaint against the Equifax. The following accounts are the items the credit bureau has refused to investigate. 
Account 1 : Account Name : XXXX  Account Number : XXXX Date opened : XX/XX/XXXX Account 2 : Account Name : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX I am a victim of identity theft. These 2 accounts NEED to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
THIS IS A SEPARATE ISSUE FROM THE COMPLAINT SUBMITTED LAST WEEK THIS IS NOT A DUPLICATE COMPLAINT Chase is in violation of fair debt collections practices act, acting in bad faith regarding a real estate transaction and CA HBOR At issue is a short sale request that's been submitted and Chase is the 2nd lien holder. The 1st lien holder has approved the short sale and approved all ancillary fees. 2nd lien holders only negotiate the amount that is being paid to them NOT ancillary fees since that does not affect the net they are receiving. These ancillary fees are being paid by 1st lien and have nothing to do with Chase.

Knowing this Chase is illegally demanding the removal a fee approved by 1st lien holder {$5000.00} and a buyer paid fee of {$15000.00}. 

Chase went so far as to demand a contract addendum stating buyer will not pay the fee. This is a violation of a contract negotiation between buyer and 3rd party and is acting in bad faith. It is a violation of debt collections practices act on a fee that is being paid by buyer which has no debt to Chase. It's acting in bad faith because these fees are approved by the senior lien holder and are being paid by senior lien holder and buyer. These are fees they have agreed to and have no bearing on Chase 's input or what they would receive from short sale. 

This egregious, illegal and malicious tactics by Chase must cease and desist immediately. Chase may NOT in anyway interfere with fees that have been approved and are being paid by a buyer and has no effect on Chase 's net.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Signature Bank (NY)
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I wired {$50000.00} from my XXXX XXXXXXXX XXXX account to Signature Bank. I forgot to include the reference number in the wire and called XXXX shortly after sending the wire to see if it could be added. They said the wire would have to be recalled and I would have to send a second wire with the reference number. XXXX recalled the first wire. The second wire was received the next day but my first wire was never returned or deposited. It is missing at this point, and it has been over 1 month. XXXX reached out to Signature Bank several times, to which there was no reply. I sent Signature Bank an email to follow up, to which they were unresponsive. 

The wire was supposed to be automatically rejected because it did not include the reference number. It was neither accepted nor rejected. It was supposed to be returned because it was recalled. Again, it was not. At this point it is missing. 

I have been through a lot because of this, and I am worried I have lost my money. Signature Bank is acting like an outlaw, keeping money that doesn't belong to them and ignoring the inquiries. Please help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see pages 14 and 15 of the  attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed 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 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section  605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit  reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Reported :XX/XX/XXXX {$920.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$2100.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On  XXXX     2017  I went into my local branch of  Wells Fargo to close out my account. While attempting to do this they could n't find any information associated with this account. While doing this I found out that my checking account had been changed to a brokerage account. I do not remember authorizing this.Of course I was getting monthly statements in the mail as per Wells Fargo Exhibit 1,  so they did have some information about me. They stated I would have to fill out paperwork for Corporate Account and Supplemental Account Owner Documentation in order to get my money. I did and it was faxed to  XXXX    XXXX   by  XXXX   XXXX  at the branch that day as per Exhib it 2.  When I called to get my money  five d ays later they said that I would have to fill out another document, a  Corporate Resolution as per Exhibit 3. In the meantime I get a letter in the mail from Wells Fargo Advisors, Exhibit 4,  stating that they have n't been able to get in touch with me although the forms that I filled out on  XXXX  had that information. That letter was dated  XXXX   XXXX  although I did n't get it until  XXXX . A week later I called again to close my account and they said that they needed yet another document,  Supplemental Account Owner Documentation, Exhibit 5. One week later hoping to finally get my money I was asked to provide yet another document, their Corporation Account, Exhibit 6. I was told I would finally get my money through the mail in two day  s, on Friday, only to receive a a Securities Account Agreemen t Margin Account document. I think I have been more than patient and have bent over backwards to provide documentation that they should have had and once did have. I refuse to fill out any more documents and expect this incident to be settled forthwith.

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