BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.

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 2022-09-27
Company: LJ Ross Associates
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  XXXX keep sending wrong information and I keep getting different mails from different collection agencies trying to collect a debt including LJ ROSS and I dont recognize this debt, nor the amount owned. Im requesting debt validation which includes : Name and Address of Alleged Creditor, Alleged Account #, Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? 

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX is reporting incorrect information on my reports and needs to be removed immediately and never placed again its reporting balances that are not correct that includes interest rate charges which by law is incorrect! Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.

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 2022-09-27
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 consumer 's disputed with EQUIFAX the accuracy of all accounts for US DEPT OF EDUCATION student loans. ALL LOANS ARE PAID IN FULL with a {$0.00} BALANCE. EQUIFAX still has not honored consumer 's request and updated the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Early Warning Services, LLC
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, To whom it may concern, I am writing this letter today out of desperation after using the ZELLE option available on my XXXX banking application. 
On XX/XX/2022 sent out {$1900.00} and {$1.00} in order to check if the account was correct but the person in question never answered my text messages and I proceeded to send the total amount needed for their services. 
On XX/XX/2022 sent out {$2000.00} and on XX/XX/XXXX sent out {$2000.00}. 
Total sent out {$5000.00}.

The party told me that they have never received the money. They claim that they do not have the money so I will not receive the services. 
I think that the money might have been sent to the wrong person by using the wrong phone number on ZELLE. Either way, I am being victim of a SCAM because the party that received the money is not returning it to me. 
After trying to contact ZELLE by phone and by email several months, finally I was told that I can not deal directly with ZELLE, that I need to call my bank XXXX which I used their services from. 
I called to file a claim with my bank XXXX and was given a reversal money payment on XX/XX/2022. I could not open the message on the XXXX application so, I thought that justice had been served and that I won the claim, I therefor transferred the money back to my savings account but on XX/XX/2022, XXXX reversed the money and took it back. I still have not received a claim status!!!! Now, my checking account is overdrawn and I was charged overdraft fees. 

I really need your help because ZELLE is refusing to cooperate with my bank XXXX, and I am not allowed to get the information of the person that kept my money to pursue them in civil court. 

Waiting for your return, Thank you so much, Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: BARCLAYS BANK DELAWARE
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/XXXX, I notified Barclays that there was fraud activity on my credit card. The complaint was taken in, the items disputed were itemized, and I received a new credit card account number. Despite Barclays taking in this fraud complaint the only action Barclays completed was sending me a new card. The items in dispute remained on my statements and the account that was stolen remained open. 

On or about XX/XX/XXXX, I notified Barclays that the fraud activity complaint was not resolved. I was told by XXXX # XXXX that no fraud complaint was ever received and that I would need to put a new fraud claim in. I proceeded to spend the next XXXX hours working with Barclays to again put in the items disputed. I was told this would take XXXX to 2 months to resolve. After the call I received a letter from Barclays stating that they closed the account impacted by fraud ( the action that was supposed to take place after the XX/XX/XXXX call ). 

On or about XX/XX/XXXX, I notified Barclays that they removed 4 of the 5 fraud items but the 5th item was not removed from the account. I was told by XXXX XXXX XXXX XXXX said the agents don't have ID # s ) that the fraud review was still open and no action has been taken. I pointed out that 4 of the 5 items had been removed. The Agent could not explain why the 5th item remained on the account. The Agent said she would put me back into the fraud system for review. I asked to speak with a manager and was told I would be put in the Manager callback queue for a call that may occur in 1 to 5 business days.

It appears to me that Barclays is deceptive in its dispute process. I am being negatively impacted as Barclays continues to report me as not making payments, when the only items outstanding relate to the fraud that was reported to Barclays over 5 months ago.

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 2022-09-27
Company: AVANTE
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX credit bureaus are selling my name, address and other confidential information to creditors and allowing them to validate and report false information to my credit reports over and over again. I hired an attorney to assist with getting negative, fraudulent debt in my name removed from my credit report only for the same information to be reported again months later by different vendors but same debt information that doesn't belong to me. I've reported it to all three credit bureaus to no avail. 

Example : Fraudulent Debt Showing on XXXX and XXXX XXXX XXXX XXXX XXXX amount {$480.00} removed XXXX XXXX after dispute however purchased by new company Avante XXXX amount {$480.00} and added back to credit report as XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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:
The credit bureasus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also I have multiple collections on my report when The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. This grounds for removal they also violated my rights under 15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A also States a consumer reporting agency Can not furnish a account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: BSI Financial Holdings, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinanced with XXXX XXXX regarding mortgage. BSI Financial Services has received the payoff and it payoff has been applied to my loan. Received a letter dated XX/XX/2022, from BSI Financial Services stating that " This is to inform you that your mortgage has been paid in full. '' The letter stated " a release of lien will be prepared and mailed to the county courthouse where the property is located. Please check with your local courthouse if you do not receive a copy of the recorded release. '' As of XX/XX/2022, the courthouse had not received a release of lien from BSI. I contacted BSI and they stated they could not find any record where their company had completed the document. I have called several times and no one at BSI can provide me with any information or resolution on why the release of lien document has not been prepared and sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX # XXXX XXXX. XXXX XXXX XX/XX/XXXX OnXX/XX/XXXX chase given me a totally different answer then complaint XXXX of XXXX XXXX role. Only XXXX XXXX can answer this question. 

Produce documentation and prove up with paperwork that XXXX XXXX   legally invested in my loan loan XXXX without my knowledge and while chase was my servicer?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo has a {$10.00} fee associated with a checking account. Per Wells Fargo policy, to have this fee waived the account holder needs to have a daily balance of {$500.00} or a minimum monthly direct deposit of {$500.00}. 

Well I'm an independent contractor working for XXXXXXXX XXXX  direct deposits my weekly reserve ending balances every Tuesday. So ... whatever is in my account by Monday XXXXam, it's then direct deposited into my Wells Fargo Account available Tuesday. Well... luckily XXXX has a feature where I can pay myself beforehand. I can choose to pay myself daily or when I need money for expenses. My direct deposits, meaning one institution sends money from another, directly deposited into my account, are well over $ 500 monthly. Why does Well Fargo continue to charge {$10.00} when one of the requirements are met? Just because I chose not wait until Tuesday, and pay myself, should not be not recognized as a direct deposit.

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 2022-12-09
Company: Experian Information Solutions Inc.
State: GA
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 originally reached out to Experian XX/XX/XXXX regarding my credit report because I found SEVERAL duplicate accounts on my report. I wrote them primarily about the XXXX XXXX account number : XXXX, and Ga own Credit account number : XXXX both of these accounts are duplicate and on my credit report repeatedly. I asked Experian to remove the duplicate account from my credit report. They ignored my request and responded with complete silence. I then came to the CFPB on XX/XX/XXXX to file another complaint which are documented under : XXXX, and XXXX regarding duplicate accounts on my credit report the accounts are XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These are on my credit report SEVERAL TIMES and it is ridiculous. Instead of Experian addressing my concerns they claim to want me to " verify '' my identity. As a consumer I have the right to have a credit report that is 100 % accurate and obtain the right to dispute any information that is not accurate. I am utilizing my rights by creating a CFPB account and documenting the complaints I'm having with Experian. In addition I have sent several letters to Experian over the past 90 days that have all been unanswered. The Bureaus have a duty under the FCRA to respond to disputes in a timely manner and complete an investigation into those claims. Experian is is directly breaking the law by trying to stall the dispute process. As previously stated I'm in the market to buy my first home and my credit is important to me. This is why I'm addressing these issues. I need Experian to do their job and remove this inaccurate information from my credit profile. I will also be including documentation of both the letters I have already sent and verification of my identity in hope that Experian will respond swiftly and address all of my concerns regarding inacurate and duplicate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: TX
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 was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX Balance {$150.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance {$430.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$580.00} ; XXXX XXXX XXXXXXXX Balance {$900.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance {$180.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$240.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00} ; XXXX XXXXXXXX Opened XXXX XXXX, XXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXXOpened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XXXX. XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX ; XXXX Inquiry Date XX/XX/XXXX ; US SM BUS ADMIN ODAInquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: NC
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:
n 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 response to consumer: Closed with non-monetary relief