BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the last letter Im sending to Experian before I sue Experian in court

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 2021-07-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/XXXX I had a XXXX performed at XXXX XXXX Hospital. In late XX/XX/XXXX I was contacted by phone requesting payment in the amount of {$3200.00}. I had never received a bill or statement. At that time I was told there had been issues with statements not getting mailed out and that the representative would request another XXXX. Still no statement showed up. I finally received a statement dated XX/XX/XXXX for {$3.00} and paid it in full. I have received nothing since then and assumed my obligations fulfilled. On XX/XX/XXXX I was contacted by a collection company by the name of CACI to collect a balance on my account of {$530.00}. My account had been turned over to collections for an amount that I knew nothing about. No statement, no phone call, nothing for XXXX months since my procedure indicating a bill of {$530.00}. I feel as though my consumer rights have been violated. I was never educated in the fact that I owed any remaining money. I spoke with a representative from XXXX Hospitals today XX/XX/XXXX that again admitted that their system failed to send out statements, yet no resolution regarding the fact that my personal credit has been affected by a submission to a collection agency. I feel this is very wrong. I am an educated and healthy person and can not get anywhere with this entity. I feel strongly that someone should speak up on the behalf of the ill and under educated individuals who might also be affected in this situation. Thank you for your consideration in this matter. I would be more than happy to address any questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. I am requesting that these accounts be deleted. 

XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX -UNVERIFIED ACCUNT XXXX XXXX XXXXXXXX XXXX XXXX-UNVERFIED ACCOUNT XXXX XXXX XXXX- UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, Texas XXXX XXXX XX/XX/1971

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 2021-07-27
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2021 I noticed that a Bankruptcy was listed on my credit profile. I called the Court House and asked if they share any information with the credit bureaus, but they shared that they do not. I sent a letter to Experian asking that they delete and remove this information, but they responded saying that the credit grantor has " verified its accuracy. '' I then sent a letter to the U.S. Bankruptcy courthouse stating that Experian reported this information as accurate, so I asked the courthouse to send me all documentation that they used to " verify '' my identity with Experian. The Courthouse responded with a letter stating that they do not in fact share any information with third party gatherers ( letter is attached ). This is a pure violation against the FCRA and my privacy has been breached without my consent. I have attached the correspondence below.

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 2021-07-27
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX I disputed a {$1600.00} I requested that the debt be validated in that request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I got an update on Transunion that the score has changed. Upon checking, I noticed that XXXX points dropped for NO REASON. Why would my score drop for no apparent reason? There are no new information on the credit report. I would like to know why my score dropped for no reason. I am applying for mortgage and can not get qualified because of your incorrect scoring.

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 2016-12-20
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX XXXX XXXX provided my personal information to a third party without written or verbal consent. They sent my information to CMRE collection agency. They are in violation of XXXX laws.

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 2023-01-31
Company: EQUIFAX, INC.
State: FL
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:
I opened a secured card with XXXX XXXX which I funded the card with the balance which was {$200.00}. I never used the card, which was why i was startled to see XXXX late payments and a balance of {$150.00}. 

Come to find out the company stated the balance and charges came from an annual fee which was due in XXXX for {$29.00}. I was never made aware of the annual fee 's at all. Regardless late payments are a result of a consumer obligation to pay on an extension of credit. In this case the extension of credit would pertain to the secured credit card. There was no balance, the card was never used. To report a late payment for an annual fee is a violation of the FCRA and inaccurate. 

My credit worthiness has nothing to do with a hidden annual fee, this account needs to be removed immediately. Account name XXXX XXXX XXXX XXXX Acccount number, XXXX. 

Also to reiterate even if there was an annual fee, I had a balance of {$200.00} with the company the they could have easily taken {$29.00} out of the account to satisfy the annual fee. They didn't do that they closed my account and put XXXX late payments for an annual fee. this is illegal. 

Also you as a furnisher have a duty to thoroughly investigate which I am giving you time to do now, in addition you have a obligation that once you are aware of inaccurate information being reported you are required to remove them. I have made you aware of the innacuracies and I will also attach the company letter admitting the balance and late payments derived from annual fee and not the credit card itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This company continues to enter data provided by XXXX XXXX XXXX after I asked then not to because the US bankruptcy court does not provide information directly to any credit reporting company.

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 2020-05-08
Company: Palm Beach Credit Adjustors, 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:
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings  regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: Credit Protection Association, L.P.
State: PA
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:
I received my FIRST notice from a company called Credit Protection Association L.P. on or around XXXX XXXX, 2016 claiming I owe a debt to XXXX XXXX in the amount of {$74.00} plus a collection fee of {$12.00} ; totaling {$87.00}. I contacted XXXX XXXX and spoke with a member in their collections department. There was no record of my name or SSN to indicate I owe them a debt. I attempted to contact Credit Protection Association L.P. several times to no avail. I have sent them a letter describing my issue and have received no response, however the debt has been added as a collection to my credit report which has had a severe impact on my current credit score and report. 

What is more alarming is the nature of the letter, as it is almost threatening in nature and appears to be a scam. The letter claims they have contacted me several times, however this letter was the first I have heard of any debt owed to the company. It also goes on to state that they can not understand why I would " refuse '' to pay, claiming that most people are concerned about their credit and pay their past due balances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was with Wellsfargo since XXXX and they charge me so much on bank fees and overdraft fees even though I made cash deposit first and I called the bank and they said they cant give my money back because they said cash deposit has a holding time. Im sick and tired about their lies so I want to leave.

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 2021-07-27
Company: Ocwen Financial Corporation
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 information incorrect

Complaint:
I refinanced and PHH Mortgage purchased the loan. I placed myself on autopay, as I have done for every mortgage for the last 15 years. PHH asked me to mail in something to place me on autopay, which I did and my autopay started. PHH mistakenly removed me from autopay. I found out and made several calls, all to which they advised nobody was available to discuss this with me. On one call in the beginning of XXXX, they said there was nobody that could answer the phone at all and to try back another time. I have had nothing but trouble with PHH Mortgage. They did not disclose the problem with autopay until XXXX when they reported this to the credit bureaus and my scores dropped from the XXXX XXXX to the XXXX XXXX. I HAVE NOT RECEIVED A SINGLE LETTER FROM THEM OR I WOULD HAVE DEALT WITH THIS IMMEDIATELY. THEY WILL LE AND SAY THEY DID BUT WHY WOULD I BE DISHONEST? WHY WOULD I RUIN MY CREDIT IF I CAN ABSOLUTELY AFFORD TO PAY MY MORTGAGE??? I am about to lease a new car and sell this property and now I can only sell my property. I can not rent because of the credit score that PHH mistakenly reported was late. The mistake was on THEIR END. I have never made a late mortgage payment, ever. They even agreed to waive the late fees I already paid to bring my account up to date. This is clearly an admission of their mistake. They have still failed to advise the credit bureaus of THEIR mistake and this has impacted my life terribly. THIS EXACT SAME ISSUE OCCURRED IN XX/XX/XXXXWITH PHH!!!!!!!!! On XX/XX/XXXX, I called PHH AGAIN! at XXXX. I spoke to someone to explain the problem again and asked for the escalation manager. This was at XXXX XXXX. After holding for 9 minutes, someone came on the alone and said there was a bad connection and disconnected me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Credit Protection Association, L.P.
State: NC
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:
I received a notice in the mail from this debt collection company CPA on XX/XX/2012 for {$290.00}, stating the original creditor : XXXX XXXX XXXX - XXXX. It was addressed to me by name, however it lists my SSN XXXX which is not my SSN or my Fathers ( who was linked to my XXXX XXXX Bill ) in 2012 I contacted XXXX XXXX and gave them every piece of information about my account with them and the account numbers CPA listed on the collections notice. They affirmed that I do not have any outstanding account with them and had no files or information linking me to any collections agencies. I have tried reaching out to CPA via phone but I believe they have been shut down by the FTC to some degree. I am filing this complaint based off advice from other people with similar issues with CPA. I do not owe any money to XXXX XXXX. I returned my cable box and payed all balances in 2012. I even returned my friends cable box the same day I returned my cable box and closed my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Wells fargo is currently advertising to apply for a personal line of credit/cash loan. 
I applied directly on the Wells Fargo website. 
I contacted Wells Fargo by telephone for the application update and was informed that Wells Fargo no longer offers the service. I asked them if a credit check was performed and it was. I then asked why was there no disclaimer nor any advisory on the website that the service was no longer offered and the representative had no answer. I informed the representative I would not have applied for the service had I known it was no longer offered. I was never informed by email nor telephone that there was any termination of the service offered. It is still on the website and it is deceiving, inaccurate and needs to be updated. Again I would not have applied nor had a credit score inquiry performed if it wasn't for the misleading advertisement and application process by Wells Fargo

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 2017-01-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My elderly father opened a checking account with Wachovia ( Turned Wells Fargo ) sometimes around XX/XX/XXXX when my dad and I were living in North Carolina. He added me as a power of attorney on his account. XX/XX/XXXX, we moved to Florida, by then, Wachovia became Wells Fargo. Eventually, the bank offered my father a credit card which he added a COPY of the card to my name to help him with his transactions. 
After my father passed around three years ago, I notified Wells Fargo, they stiffed me with the entire balance. It was my father ' card, not mine, but they insisted that it 's my responsibility. I have done my research and found out that I 'm not legally responsible, but Wells Fargo would hear none of it. It has damaged my credit so bad, it has been a total nightmare. 
At one point, I could n't even get a loan to get a car, I was taking a taxi to take my kids to school which drained the family financially.

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 2021-07-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
After purchasing my home, I attempted to stop all junk mail addressed to previous residents. However, the USPS informed me that all third class mail ( credit card offers in this case ) would NOT be returned to sender when I marked them as such. 

Therefore, I called the companies directly and told them to remove all instances of my address from their mailing lists. I also contacted the XXXX  XXXX XXXX to file a complaint about the specific LLC that was clogging my mailbox with all of their offers from XXXX and Chase as I felt there could be fraudulent activity. 

Now after two years, the problem as grown. I am XXXX XXXX and have a dependent with XXXX XXXX XXXX. Often, important mailpieces are drowned in the trash coming from the harassment of the unwanted solicitations. 

Please help me learn how to stop this harassment. Each time the companies claim it will be 6-8 weeks, but I have documentation that it has stretched multiple years. I believe they have corporate policy to not ever stop such activity, or they have automated systems that send more mail than they can control. 

I am on all voluntary lists for eliminating direct marketing, but I feel they are harassing me by sending mail to previous owners/occupants. 

Thank you for any assistance you may provide.

Company response to consumer: Closed with non-monetary relief