BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$5700.00}, {$9100.00}, {$14000.00}, {$11000.00}, {$13000.00}, {$10000.00}, {$6000.00}, {$14000.00}, {$0.00}, {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$13000.00} -This is not my account.

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 2021-12-13
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have always made on time payments with credit acceptance up until COVID. Yes we did get a grievance period up until XXXX of XXXX but I am still being impacted by COVID due to my health and other around me still recovering both physically and financially. XXXX refuses to remove late payment for XXXX and XXXX. Them not removing late payments is impacting my credit score and now I am unable to get a home or a place to stay. We lost everything including a home. I believe especially during these times that credit acceptance should try to help others as people are still struggling to recover from the devastation COVID has caused.

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 2022-04-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Experian is reporting an item that has been paid in full and should be removed from my credit report. I am attaching the paid if full letter and the request from XXXX to remove this item from all credit reporting agencies.

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: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX I received a letter from Wells FargoBank indicating a charge for a deposited check was returned on XXXX XXXX I contacted the bank and spoke with a Wells Fargo representative informing them that I did not deposit a check and was informed that it was made via mobile deposit and that it was from a separate account that I am the primary over. I informed them that the only deposit I was aware of is a direct deposit I have set up but nothing outside of that and that someone must have accessed my account fraudulently and made a deposit and that I would like to receive a copy of the check so that I can file a police report.Upon receiving this check via mail on XXXX XXXX it verified the check amount of {$1500.00} and it had a fraudulent endorsement of my sons signature. I received another letter on XXXX XXXX stating the my accounts ending in XXXX and XXXX would be closed on XXXX XXXX. I am writing this complaint because I did not make these deposits and would like to have my accounts remain open because Ive been a member of Wells Fargo Bank for more than 20 years and this is a complete inconvenience and bad experience. I have contacted Wells Fargo Bank repeatedly to discuss this matter and was told it would not be resolved.

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: Experian Information Solutions Inc.
State: DE
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/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: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never informed by mail this company had a debt of mine until it hit my credit and didn't even know I owed it because I was never informed. I never received a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXXontacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2017-04-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Issue: Rewards

Complaint:
I noticed a while a go on my wellsfargo.com account that my XXXX Rewards are " unavailable ''. I finally decided to give them a call to figure out why that is. 
When I called I was told that my XXXX Rewards were connected to a wrong account ( not my credit card ) and that they 'll look over my history and give me all of the points that I should 've have acquired over the years but did n't because of their mistake. I was told that a manager will look at my case and give me a call. Sure enough I received a generic phone call from the XXXX Rewards people on XX/XX/XXXX the message left told me it was in regards to my claim and that I should call back. When I called back the phone operator told me that my claim is resolved and that I should see my statement reflect that when my billing cycle restarts. When it restarted I only had about XXXX XXXX Rewards. The amount of rewards that I acquired in the month of XX/XX/XXXX. I called Wells Fargo Rewards again to see what is going on. I was told that I opened my XXXX Rewards on XX/XX/XXXX, the date I initially called to figure out why my points have been " unavailable '' for as long as I have had the card which I got in XX/XX/2006 ( says it right on the card ). I tried to explain to the person on the phone what is going on that they made a mistake ... after some back and forth and sitting on hold for 15 min I asked them to make sure they did n't open another credit card in my name without my approval ( WF has a history of doing that ). I was told that there is only that XXXX credit card in my name and that there is too much history to look through for the person that was on the phone with me after which she gave me a fax number ( XXXX ) and a XXXX NC that I should contact. When I asked for a phone number I was hung up on.

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 2017-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Contacted Bank of America to get a 10-day payoff balance on my account. I was given the amount of {$7200.00}. B of A faxed this paperwork to my credit union and the payment was made. I then called B of A to close my credit card account and was told that I had a credit of {$100.00} and was asked how I wanted to receive that credit. I asked the rep if there was going to be any additional charges or fees on the account and was told no. I had them send me the refund amount and was told the account was closed with a {$0.00} balance due. I have now received a bill that I owe them an additional {$74.00} due to interest. I have contacted them to find out why I was not told about this at the time I closed the account otherwise I would have left the money in the account & that this should have been taken care of when the account was closed. They then failed to take care of this balance as a courtesy even though the rep on the phone completely agreed that there was no way I could have known there was going to be any additional balance to pay. I am refusing to pay this amount to B of A.

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 2021-12-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We want Select portfolio to know that we keep our promise. As of XXXX XXXX XXXX we have filed tax evasion complaints against you with the following agencies : Florida Department of revenue, DOJ, IRS, Florida Attorney General, Inspector General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a dispute with XXXX and XXXX and within 30 days the account was deleted from XXXX and XXXX reported it was variafed. So I would like American Express to give me proof of there investigation results.Here is a copy of the findings so please ask American Express to show me I accepted liabilities for this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went to XXXX to open a checking account on XX/XX/2017. the gentleman I spoke with ask for my ID and Social Security number. He submitted my info into his computer in which he received some info from ChexSystems. At that time he told me that he could not open a checking account for me due to negative information on the report. I contacted ChexSystems and a few days later they sent me a report. A company by the name of XXXX XXXX had submitted XXXX different negative feedback 's on this report from XXXX different company 's in which I have never heard of. Also on the report was a company call XXXX, representing XXXX XXXX XXXX, XXXX XXXX, representing XXXX XXXX XXXX, XXXX,. I have never ever heard of these company 's. A telephone number was not listed for any of the company ', and also the last XXXX of my SS number was listed.I have no idea who this company ChexSystems is or what their business consist of, but it looks to me that they have too much information on me, and the info is completely false. No wonders Identity Thief is such a huge problem in this Country with Company 's like this in business!!!! These people have complete control of the Consumer in this Country.I am XXXX years old and a XXXX Veteran, and It is a disgrace when a you ca n't even open a checking account in a bank in this Country because of people like ChexSystems!!!!

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 2017-04-14
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This CC is about 8 to 10 years old. I did a dept consolidation last year to clear all my dept and this was not part of my dept, i knew nothing of this dept. In a process of getting a mortgage loan it showed up on my credit as collection. I have a problem with it being on my credit and i am willing to negotiate and come to an agreement to pay it off. Even though i never received any notice from Midland Funding LLC for the past 8 years. 
After several attempts to negotiate on a amount to pay it off, they keep refusing. i am getting frustrated because its on my credit and also affection my ability to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Since XXXX 2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( XXXX, XXXX, and Transunion ) disputing the unknown accounts and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over ten months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question are two accounts with XXXX XXXX Account for XXXX XXXX  the amounts are {$1300.00} and the other one for {$2400.00} for an authorized/unknown account.

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 2017-04-11
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loan payment was {$98.00} a month until it was transferred to NelNet, where it increased to $ XXXX. Over the past 6 months I have been trying to get it my payment back to the original and finally worked something out about a month and a half ago after being told to call various people, complete various forms, etc. Today when I went to go pay my loan the payment is {$130.00}. I asked for them to listen to the recording of my last phone call and apparently they are unable to do so. I just want my payment to go back to {$98.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a credit change alert on my credit file. I called Transunion and the representative informed me of a collection account that was opened in XX/XX/2017. I asked for the name of the collection agency, which was given as XXXX. I never did business with this company nor have they contacted me nor sent any correspondence indicating that I owe any balances. This is FRAUD and XXXX needs to remove this fraudulent account from my credit report immediately. My credit report has been clean and all of a sudden a collection account appears fraudulently.

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 2017-04-13
Company: Williams & Fudge, Inc
State: CO
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:
The debt collection agency, Williams & Fudge, incorrectly reported to credit reporting agencies that I owed a tuition debt to XXXX. I did not attend XXXX in XX/XX/2014-XX/XX/XXXX. 
This false reporting of a debt I did not owe, caused me to be declined for a credit card through my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XX/XX/XXXX, I applied for XXXX Visa credit card, which was offered by chase to me as an offer from on-line banking. 
Several days later I received denial letter, from Chase indicating the reason for the denial as my having too many credit cards. 
Please note : I have exceptional credit score ( XXXX ). There are no delinquencies on my credit report and no past amount due on any of the credit cards I own alone or with my husband together. 
I have applied for other credit card right after I received a denial letter from Chase and was immediately approved. I have a XXXX figure Money Market account with chase and other active Chase credit cards and believe the denial for XXXX VISA is subjective and not based on my credit score and history, as it should be, therefore, it 's unacceptable.

Company response to consumer: Closed with explanation