BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I contacted the credit reporting agency and advised them that the amount sent to them by XXXX XXXX XXXX is not an amount owed. In fact, there is no amount owed to them and this entire report was filed in an attempt to damage my credit and that of my daughters because this is listed on her credit report as well and when we contacted Equifax to dispute said items, we were told that it would not be removed. According to Federal Trade Commission Rules 15 U.S.C. 1681s ( a ) ( 1 ) accuracy, 603.2 ( e ) intergrity and ( 1 ) Substantiated. In fact, XXXX XXXX XXXX has to show how the debt is owed and they can not and Equifax should have removed this from our credit report.This is a landlord tenant dispute where we exercised our rights under state law and the landlord sued in retaliation. There is a counter claim pending and there has been no final judgment awarded to the landlord. Thus, the entire amount listed is fraudulent. We ask once again for it to be removed from my credit file and that of my daughters. We can mail any supporting documents showing XXXX XXXX XXXX has no legal right to place said amount on our credit file. We ask for it to be removed at once. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello to whom it may concerns, I have problems with chase bank. On XX/XX/XXXX in the evening I received notice of being overdraft from my checking for {$8.00} I immediately deposit {$100.00} because I know that there will be potential automatic payments coming through. Another transaction came out Sunday {$19.00} and Chase charged me {$34.00} overdraft fee which created chain reaction of multiple overdraft. Right now I have 3 overdraft of {$34.00}. And I have other transactions ( Automatic payments that will come through ). Right now I am {$80.00} negative. I called Chase and asked them to reverse their fees putting me negative they said know because we already reverse fee for you this yr. But Chase reverse fees that werent correct. And they called that courtesy reversal. I didnt do anything wrong, you charged me wrongly, that is why you gave it back and now you will not correct another unfair charges because you were nice to me already for giving back what shouldnt have taken in the first place. That doesnt make any sense to me. 
I have income reduction I can afford paying my bills, but I can't afford letting my bank scamming out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My identity was stolen and someone applied for a US Bank account. The notice says to call 24/7 and they'd take care of any issues. I called and am constantly transferred to different agents who eventually transfer me to a " dead line '' which hangs up on me. I tried calling several times. Absolutely deplorable customer service.

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 2016-03-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My Department of Education loan has been in income based deferment since it became due in XXXX. The status has always been positive till XXXX, when it started showing XXXX late payments. I have contacted Dep of Education / XXXX with this issue. They stated that their report of the loan shows {$0.00} amount due, therefore the loan would n't have any late payments. XXXX customer service representative also explained to me that the incorrect reporting most likely happened when the loan was transferred from XXXX XXXX to XXXX. They provided me with documentation to submit to the credit bureaus for correction and also stated that they had amended their credit bureau reporting. 
I have submitted all the documentation to Equifax 5 different times. 5 different times Equifax came back stating they verified the information currently reporting as correct. That is a blatant lie! When Equifax receives a dispute, it waits 30 - 35 days and then sends a generic letter stating they verified the information to be correct. When I ask them to provide me with the sources who verified the information, I do n't receive a response. 
This is not my first complaint about Equifax 's reporting practices. When I submit a complaint, Equifax is quick to respond that the account in question is currently under investigation. I received a notification today that my Department of Education / XXXX loan 's investigation is concluded and the information currently reporting is correct. That is another lie! How can Experian verify the same information and conclude that their initial reporting was incorrect and amend my report and Equifax is unable to do so? 
When I call customer service at Equifax , the representatives are more interested in selling me a product than helping me resolve my issues concerning their reporting. When Equifax responds to the complaint that consumer has not supplied additional information, that is another lie. With this complaint, I am simultaneously filing another dispute with Equifax and providing an official letter from the loan institution stating the facts. Undoubtedly, Equifax will respond that the account is currently under investigation and results will be forwarded to me in 60 days. Undoubtedly, in 60 days I will receive yet another generic letter stating that all the facts have been verified as accurate, yet another lie! 
The level of negligence Equifax demonstrates when it comes to consumer reporting and dispute processing is absurd. And not just that, when they are called out on their deficiencies, the extent of their cover ups and lies has no end! 
I am submitting all the documentation with this complaint and also to Equifax once again. Equifax is violating my consumer rights under FCRA, Section 611 ( a ) ( 6 ) and ( 7. I demand immediate correction of my report and formal investigation into Equifax consumer dispute processing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: MI
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:
My student loans report as charged off with remarks stating that they were paid off. the status should reflect that they are paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: CAINE & WEINER COMPANY, INC.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT CAINE WEINER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAINE WEINER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: RI
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:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX has violated my rights. This account is not my account nor was I the primary. I was only added as an authorized user to this account. I was removed from this account as an authorized user. The account does not belong to me and has been inaccurately reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: The CMI Group, Inc.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX  XXXX  XXXX, XXXX, FL XXXX* ATTENTION  DISPUTE DEPARTMENT CREDIT MANAGEMENT LP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank with Wells Fargo opportunity checking account # XXXX. I received my social security XXXX award of {$1900.00} a month wanted to change my account to a regular account they refused my car was broken into and my XXXX letter was stolen and {$200.00} my tithe money i bought things from XXXX i also filed a report with shiriff 's for the theft of items in my car the day of incident i applied for loans from XXXX and with XXXX XXXX XXXX I opened an account with XXXX XXXX XXXX. setup to change my direct deposit to XXXX XXXX XXXX. I Closed my account with Wells Fargo they close my account and give me {$700.00} when I had {$760.00} I deposit the {$700.00} dollars in XXXX XXXX XXXX. iget denied for loans because Wells Fargo illegaly closed my account without giving me all my money they then destroy my relief of debt I am entitled to under XXXX law. I have yet to receive my {$64.00} from them my account was closed XX/XX/XXXX but I do n't have the rest of my money and they destroyed my credit also I am now have to hire a credit repair lawyer to fix my credit because bankruptcy i ca n't file because I filed XX/XX/XXXX. What can you do to Wells Fargo for their illegal actions. I am now having problems with returning items to XXXX purchased with my wells fargo account which is closed so that money is in limbo now. Thanks XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXXXXXX

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 2016-06-28
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
This is written notice to American Express that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act, Fair and Accurate Credit Transaction Act, and Colorado state Statutaes. I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested that a COMPLETE VALIDATION of this account. In which has been being illegally displayed on my credit reports ( XXXX, XXXX, and XXXX ) be VALIDATED, and if VALIDATION can not be made within the 30 day time frame allowed to American Express by law. The disputes listed in my original complaint must now be completely removed from my credit reports. ( American Express you have now legally exceeded the time frame allowed to you by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA, FDCPA, FACTA and Colorado and Federal Statutes. 
I HAVE DISPUTED THIS ACCOUNTS INFORMATION WITH AMERICAN EXPRESS SEVERAL TIMES ( CFPB REF NO : XXXX ) IN REGARDS TO THE INACCURATE INFORMATION IN WHICH YOU CONTINUE TO ILLEGALLY REPORT ON MY PERSONAL CREDIT REPORTS! AMERICAN EXPRESS HAS WRITTEN BACK TO ME STATING THAT THEY HAVE GIVEN ME A COURTESY OF REMOVING {$8.00}, BRINGING MY BALANCE TO {$0.00}. AS OF MY RECORDS, AMERICAN EXPRESS HAS NOT GIVEN ME ANYTHING, BECAUSE AS OF XXXX XXXX, 2016, WHEN I CONTACTED CUSTOMER SERVICE, THEY STATED TO ME THAT THE CURRENT PAY OFF AMOUNT FOR THIS ACCOUNT WAS {$2200.00}, '' I THEN ASKED THE REPRESENTATIVE IF THIS INCLUDED ALL OF THE FEES THAT WOULD BE ASSOCIATED WITH MY ACCOUNT ''. THE AMERICAN EXPRESS CUSTOMER SERVICE REPRESENTATIVE THEN STATED TO ME THAT " YES THAT WAS ALL THE REQUIRED FEES THAT WERE ASSOCIATED WITH MY AMERICAN EXPRESS ACCOUNT '' AT THE TIME OF IT 'S " CLOSING ''. I WOULD NOW LIKE TO ASK AMERICAN EXPRESS, HOW ARE THEY TRYING TO CHARGE ME {$8.00} FOR AN ACCOUNT THAT HAD NO PRIOR PURCHASES MADE ON IT BEFORE THE ACCOUNT WAS CLOSED, OR AFTER THE ACCOUNT WAS CLOSED. AMERICAN EXPRESS IS CONTINUING TO REPORT THAT I WAS LATE ON THIS ACCOUNT AFTER THE ACCOUNT WAS ALREADY CLOSED XX/XX/XXXX! AS YOU AMERICAN EXPRESS ARE IN FACT NO DOUBT AWARE, THAT THIS IS KNOWINGLY AND DIRECTLY VIOLATING THE FDCPA, FCRA, FACTA, AND COLORADO STATUTES, TO CONTINUE TO REPORT THAT THIS ACCOUNT IS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF IN THE TIME FRAME ALLOWED TO AMERICAN EXPRESS BY LAW THAT IT IS! 

AS YOU AMERICAN EXPRESS ARE IN FACT NO DOUBT AWARE, THE DOCUMENTS THAT YOU HAVE MAILED TO ME ARE NOT A COMPLETE VALIDATION OF THIS ACCOUNTS INFORMATION! I HAVE REQUESTED VALIDATION, NOT VERIFICATION OF THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
synerprise has XXXX open accounts since XX/XX/2010. 
XXXX is for {$220.00} dollars an the other is for {$380.00} dollars. 
I have already paid to the hospital.

Company response to consumer: Closed
Consumer complaint received 2022-03-16
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: Account status incorrect

Complaint:
Good Afternoon, What company, entity, or organization is engaging in conduct you believe violates the antitrust laws? 
XXXX XXXX and Credit Reporting Bureaus How do you believe this entity may have harmed competition? 
XXXXXXXX XXXX sold several accounts to other Mortgage institutions, which closed the old accounts of several mortgage holders ( me being one of them ) and transferred them to the new mortgage company. 

As a result, it was reported as a closed account to the credit bureaus, which caused my credit score to drop an average of XXXX points. The same is happening for people who sell their homes. With lower credit scores, people now have to acquire less favorable interest rates and terms on new loans and have their existing creditworthiness come into question by other creditors on their files. 

What is your role in the situation? For instance, are you a customer, competitor or supplier? 
My mortgage loan was transferred from XXXX XXXX to XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX was reported as 'closed, ' which caused my credit score to drop by XXXX points. I am in the middle of applying for a second home loan and was told that my rates will dramatically change with a XXXX point drop on my score. 


I contacted both XXXX XXXX and all credit reporting Bureaus and was told that there is nothing they can do. According to 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, the Accuracy and fairness of credit reporting is manipulating and " directly impair the efficiency of the banking system. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: ENCORE CAPITAL GROUP INC.
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX of 2016, I noticed that Midland was reporting this collection account on my credit report. I sent a letter asking them to validate the debt. They returned a letter saying they were unable to understand the nature of my dispute. I responded in a letter in XXXX, summarizing my first letter and once again asking them to validate the debt. I only received bills and settlement offers, never validation. I again requested validation in early XXXX. They failed to provide validation as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
In accordance with the XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. This account is not my account nor was I the primary. I was only added as an authorized user to this account. I was removed from this account as an authorized user. The account does not belong to me and has been inaccurately reported to 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 non-monetary relief
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Western Mercantile Agency, Inc
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Western mercantile is garnishing my wages. The judgment is no longer valid. It was never renewed. This was confirmed by an attorney I have talked with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation