BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
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:
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 2017-05-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed claim XXXX identifying the principal and interest amount used in my appeal for the denial of a home loan modification was incorrect. The response that Well Fargo provided still listed the incorrect information. I am attaching documents which will confirm my original complaint. Attached you will find : 1 ) Denial letter from Wells Fargo dated XXXX XXXX, 2017 ( 4 pages ) ; 2 ) Appeal request form dated XXXX XXXX, 2017 ( 1 page ) and related attachments, [ description of reason for appeal ; Net Present Value Input Data Values -- please note # 16 that describes the product as " Fixed-Rate '', which this is a " Pick-A-Payment '' loan, and # 22 which list the Principal and Interest amounts incorrectly ; and remaining pages are Mortgage statements that I have received from Wells Fargo that verifies that the amount of {$3900.00} does not include principal ]. As I have continued to state, and is verifiable by the statements that I have received from Wells Fargo, the  Principal and Interest amount at the time I filed for a Loan Modification was : {$5200.00} ( Principal amount : {$1000.00} ; Interest amount : {$3900.00} ) NOT {$3900.00}. This has been an ongoing issue for the past 5 months. Hopefully with the attached documents, Wells Fargo will be able to recalculate the NPV using the correct information.

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 2021-11-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I filed a dispute with CHASE Card Member Services regarding a charge of {$200.00} that was applied to my account based on false and scandalous claims from the service provider known XXXX XXXX  located in XXXX XXXX XXXX 

The vehicle in question was indeed rented on XX/XX/21 at XXXX free of any significant damage, but not without minor swirl and scuff mark damage. The vehicle was returned on XX/XX/21 at XXXX AM and left in the XXXX parking lot in the same like condition as when it was initially picked -up. This fact has been supported by my wife who was with me during our entire stay and has further testified that the vehicle was in fact never involved in any infraction or sustained any damage under my care. 

When I called to complain to CHASE Card Member service I was advised to submit a formal dispute if I disagree with the charge, I was cautioned that a valid charge finding would go against my credit report. Upon my formal filing I received a letter from CHASE stating the charge was found to valid based on research conducted. I was floored by this response as I knew the charge was a scam from a privately owned XXXX rent-a-car office located in XXXX airport XXXX XXXX. I've rented cars from XXXX for over XXXX years and have never been accused of unfounded damages like this. I called CHASE to complain and they instructed me to resubmit an appeal dispute with additional information to support my claim, which I did on XXXX I provided a very comprehensive and time consuming appeal. On XX/XX/XXXX I received a formal response letter from chase saying again that based on their review and the merchants charge is valid ... After the shock of reading CHASE 's response I called again ( XXXX ) and again was told to resubmit yet another dispute, which I denied and requested to speak to a supervisor as I felt like I was just waiting my time and being strung along. After a heated conversation it came to light that my dispute exceeded a XXXX complaint threshold and all the facts, time and disputing was all a big farce of its own. 

In all of the phone conversations, dispute submissions and response letters from CHASE not one mentioned anything about a time sensitive response. What's worst of all the second response letter from CHASE stated a phony investigation statement that the additional information that I submitted was thoroughly reviewed and the charge stands? The fact is that my dispute fell outside of their eligible review widow and none of what I sent in as supporting proof to my claim was ever considered ... Outrageous! 

On top of it all CHASE tries to buy me off by offing to apply a {$100.00} credit to my account. Since the charge is fraudulent I refused and my complaint was sent over to their review board. To date four weeks later I've heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company claims that I owe them {$980.00} which I do not owe to them. I never received good or services from them nor did I sign a contract with them. They are trying to extort money from me and unlawfully reporting negative information on my credit report as of XXXX. I spoke to the supervisor who also stated and agreed that I do not have an acct with them. I have no contract with this company nor do I know who this company is. This is harassment and their tactics are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ACCOUNT RESOLUTION SERVI NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
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 am submitting this CFPB Complaint to request CALIBER HOME LOANS, IN to remove the lat payments from my accounst bewing reporting on my Credit Report. I have kept a good paying history with you. I noticed a late payment on my credit report AND IM NEVER LATE. I typically have my account on automatic but misunderstood how the online system worked. Im asking as a long-time customer to please remove the late payment. My family and I have been through a lot since one of my family member got sick and we are finally getting back on our feet and this late payment is bringing us back down. 
CALIBER HOME LOANS, IN XXXX Date Opened : XX/XX/2001 Balance : {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Tate and Kirlin Assoc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I was sent a collection amount of {$330.00}, reference # XXXX, from Tate & Kirlin and Associates, INC. of XXXX, PA, for an Originator Creditor XXXX, account ending in XXXX. When I contact XXXX I am told I have no account with their company and I would have to resolve with the Creditor Tate & Kirlin. Tate & Kirlin have provided no details as to what this account/amount is or how it has originated, however, only seek a payment. I strongly believe this is fraud and harassment to collect a debt of which is definitely not mine! A fraud investigation into Tate & Kirlin is necessary to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
As a small business checking account Regions Bank, every day we review our account and found that the day XXXX XXXX, 2016, a charge of {$72.00} per overdraft, which did not exist, as is showed on the attached statement, call customer service and very kindly responded that we had a hold amount, which had led the charge and as a courtesy, they returned $ XXXX, as recorded the day XXXX, 2016, discussed and the response was take or leave. This is an unfair practices. We claim an full refund of the {$72.00}.

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 monetary relief
Consumer complaint received 2016-05-02
Company: BANK OF THE WEST
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 we reinstated mortgage # XXXX with Bank of the West, XXXX XXXX XXXX, XXXX, NE XXXX, XXXX. We were in the process of selling the property but Bank of the West would not work with us. On XXXX XXXX, 2015 we closed the sale and paid off Bank of the West. The payments totalled {$150000.00} ; however, we owed {$140000.00}, or a difference of {$15000.00}. Additionally, we were charged twice for an escrow shortage of {$2500.00} and attorneys fees and inspections of XXXX. The attorney fee and inspection were incurred before Bank of the West had accepted the XXXX, 2015 which stopped out the judicial procedure.

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 2022-09-03
Company: BRite Financial Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Personal information Errors in your identity data, such as wrong name, phone number, or address Accounts belonging to another person with the same or similar name to you Incorrect accounts resulting from identity theft Reporting of account status Closed accounts reported as open Youre reported as the owner of the account, when youre just an authorized user Accounts that are incorrectly reported as late or delinquent Incorrect date of last payment, date opened, or date of first delinquency Same debt listed more than once Balance errors Accounts with incorrect current balance Accounts with incorrect credit limit Data management errors Reinsertion of incorrect information after it was corrected Accounts that appear multiple times with different creditors listed

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, INC.
State: IN
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:
XXXX account from XX/XX/XXXX has been reopened and reported on credit report. After checking court docket for case - please find attached case believed to be reported. Wrong name/ amount / wrong address. This is not my debt. Case Summary XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Case Number XXXX Court Washington Superior Court Type CC - Civil Collection Filed XX/XX/XXXX Status XX/XX/XXXX, Decided Parties to the Case Show all party details Defendant XXXX, XXXX Plaintiff XXXX XXXX XXXX , XXXX Chronological Case Summary XX/XX/XXXX Case Opened as a New Filing XX/XX/XXXX Appearance Filed Attorney : XXXX, XXXX XXXX For Party : XXXX XXXX XXXX , XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Complaint/Equivalent Pleading Filed Against : XXXX, XXXX Filed By : XXXX XXXX XXXX , XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Service Issued by XXXX ( electronic receipt requested ) Serve To : XXXX, XXXX XX/XX/XXXX Service Returned Served Certified mail accepted. Party Served : XXXX, XXXX Date Served : XX/XX/XXXX XX/XX/XXXX Motion for Default Judgment Filed Motion for Default Judgment and Affidavit as to Military Service, Age and Competency Regarding XXXX XXXX filed. Filed By : XXXX, XXXX XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Affidavit Filed Affidavit of Debt and Affidavit of Non-Military Status filed. Filed By : XXXX, XXXX XXXX File Date : XX/XX/XXXX XX/XX/XXXX Order Granting Motion for Default Judgment RJO Served : XXXX, XXXX XXXX Served : XXXX, XXXX XXXX Signed : XX/XX/XXXX XX/XX/XXXX Default Judgment entered Judicial Officer XXXX, XXXX, XXXX. Monetary Award : Judgment : {$510.00} ; Status : Active ; Signed Date : XX/XX/XXXX Awarded to : XXXX XXXX XXXX , XXXX Awarded against : XXXX XXXX Judgment Book : XXXX, Page XXXX XX/XX/XXXX Automated Paper Notice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XXXX Financial Information Financial Balances reflected are current representations of transactions processed by the Clerks Office. Please note that any balance due does not reflect interest that has accrued if applicable since the last payment. For questions/concerns regarding balances shown, please contact the Clerks Office. XXXX, XXXX Defendant Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Restitution XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX XXXX XXXX XXXX , XXXX Plaintiff Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Court Costs and Filing Fees XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX XX/XX/XXXX Mail Payment ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX 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 2020-03-26
Company: ALLIANT CREDIT UNION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've had a credit card, checking, and savings account with Alliant since XXXX. I've never been late with a payment and had over $ 30K on deposit with them at the time of closure. 

I received a letter in XXXX that there was an annual meeting and I was expelled and my membership would be terminated XX/XX/XXXX. While I appreciate the notificiation and time to change auto payments, I feel the timing of this was due to COVID-19. 

If I was non-compliant with something, I would appreciate being told what it was and have the opportunity to correct it rather than being shut down during a crisis and while on lockdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: IL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: MD
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:
I put in my original complaint XX/XX/2023, today is XX/XX/2023 30 days have pasted. Today makes 32 days and no my dispute was not recorded nor did it show the status of my dispute, on their website i didn't even show that i put in a dispute on the date of the XX/XX/XXXX. Both are violations and that broke the law!! 
XXXX Complaint # XXXX Equifax Complaint XXXX XXXX According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
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 went to file my taxes and I was told by the tax consultant that my identity has been stolen because someone had already filed under my personal information. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$2700.00} XXXX XXXX {$2800.00} XXXX   XXXX {$2700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$340.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$590.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$400.00} XXXX   XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX {$740.00}

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 2020-03-25
Company: Experian Information Solutions 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Please investigate and remove the following inquiries and accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A State that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also States 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