BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-21
Company: LJ Ross Associates
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a collection letter f rom LJ Ross  on  XXXX  for an unpaid account from  XXXX  on  XXXX / XXXX /  XXXX  . I was sure I paid that account in full but being so long I was n't exactly sure now ... So I sent a dispute letter on  XXXX  asking how I owed on this account a nd why LJ Ross  is collecting on this account but never received any information back. Under the Fair Debt Collection Practices the collection agency is not allowed to further collect on this debt until it is verified. They are still trying to collect by posting it to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/XXXX or XX/XX/XXXX, while on summer vacation, I visited a Bank of America branch in XXXX, MI. At that time, I was approached about changing my checking and saving accounts to a type that would earn more interest. I told the person at that time that I did not want to give up my XXXX XXXX Checking Account, as they do not offer that  product today. She assured me that I would have all of the same privileges as I was currently getting and more. I explained that I might not have as large of a savings balance in the future and that I did not want to pay any fees. She explained that this new type of account would be better. IT IS NOT! 

Now that my balance is below {$25000.00} I will be charged {$25.00} per month for a checking account! I went into my branch in FL yesterday and they said they could switch me to a CORE checking account where I have to have direct deposit and {$2500.00} balance to have free checking. I asked to be switched back to the XXXX XXXX Checking Account, but they can not do that since they said they do n't offer that product anymore!! 

I have been a good customer at Bank of America since XX/XX/XXXXand I have never bounced a check and have always had a direct deposit. With this new CORE account, if I need to stop payment on a check, get a cashier 's check or wire funds, or if I have a nsf check, I will be charged large fees. Under XXXX XXXX, these things would all be free! 

I am a XXXX year old XXXX XXXX and I feel I was misled about the account Bank of America suggested I switch to. They did not explain that I could not revert to my old type of checking account. Looking back on this visit in XXXX, the B of A employee seemed to be very focused on getting me to change accounts - I think she was trying to meet her sales goals! 

I would love to talk to Bank of America management to straighten out this very upsetting problem. I feel I deserve better treatment from a Bank where I have been a very good customer for 12 years. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX : Inquiry date-XX/XX/2022 XXXXXXXX XXXX XXXX  : Inquiry date-XX/XX/2022 I applied for the wrong loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: MI
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:
Experian is now aware that it is harboring data for an XXXX XXXX account listed in my credit file. They were made aware of the issues both through CFPB complaint XXXX on XXXX XX/XX/XXXX and through the Experian dispute system. On XXXX XX/XX/XXXX Experian returned results from the dispute system. The specialist claimed they could not find an account matching the supplied last five ( 5 ) digits of my card number. Note that same number is used when XXXX has replied to me on official letterhead through the CFPB complaint system. The account was charged-off by XXXX because XXXX failed to generate billing statements. And, despite multiple billing error notices from two ( 2 ) collections agencies, and myself over a year-long period, they never rectified the situation. That scheme was explained fully in XXXX and is similar to what XXXX attempted to do with my student loan account. When I disputed XXXX information through Experian, the specialist responded with : " A Charge off status means that the credit grantor wrote the balance on the account off as a bad debt. When an account displays a status of charge off, this means the account is closed to future use, although the debt is still owed. The credit grantor may continue to report the past due amount and the balance owed. The account and the payment history will remain on the personal credit report for seven years from the initial missed payment that led to the charged-off status. If you pay the account, the status will reflect as a paid charge-off. That is, a specialist at Experian was able to articulate the extent to which any firm may report information for a XXXX  account in a credit file. Yet, as outlined in XXXX XXXX  is furnishing information that implies future monthly obligations via late payment history that advances every thirty ( 30 ) days. As outlined in XXXX, Experian is well aware that enabling XXXX  to supply information that implies future monthly payment obligations is misleading and considered a FCRA violation as established under Jackson v. Experian Info. Solutions, Inc., Case No. XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX. XXXX, XXXX ). This is no different and as such, I am demanding that the account and tradeline be removed immediately and that XXXX be blocked from reinserting information for this account because Experian is in violaton of the provision of the Fair Credit Reporting Act ( FCRA ) applicable to credit reporting agencies, 15 U.S.C. 1681i ( a ). I have included all documentation with XXXX so that Experian understands what exactly XXXX is doing and why.

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 2022-03-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to open an Everyday Checking account on the Wells Fargo website on XX/XX/2022. I initially deposited {$500.00} when opening the account which was processed and credited from an account that I have with a different bank. I received an email the next day stating that my account was closed. I have tried calling the phone number referenced XXXX for three days in a row. I am just put on hold for hours and at some point the line automatically hangs up on me. While I'm hold, an automated message simply states they are " receiving higher call volume than usual. '' I attempted to schedule an appointment at a local Wells Fargo branch in Texas and the local bank rep called me back referring me to the same XXXX number I've been trying to reach previously. I want my {$500.00} deposit back.

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 2022-08-31
Company: Westlake Services, LLC
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:
Account was sold to another company and the amount of the loan is incorrect, the information is not accurate. The information should be reporting 100 percent accurate between all bureaus. Please look at the proof that I uploaded, I am respectfully requesting a deletion of this 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 2022-08-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX  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 2022-03-04
Company: Exeter Finance Corp.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards of my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: TN
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:
The below listed accounts with XXXX were deleted and are not on my credit report. These accounts should NOT be reporting with XXXX or Experian either and need to be DELETED IMMEDIATELY. They are as follows : XXXX XXXX Acct # XXXX -XXXX XXXX Acct # XXXX -XXXX XXXX XXXX XXXX A copy of the XXXX report # XXXX is attached below to show proof

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 2022-08-31
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
status date as of XX/XX/2022 there has been recorded on my credit report from Hunter Warfield from XXXX XXXX XXXX and XXXX for {$570.00}. Balance was updated XXXX XXXX, 2022. I was not notified of this charge until after it was reported on my credit. This was from a my previous residence. I was told that they would have to keep my security deposit which was {$670.00}. When I departed from the home there was nothing wrong with it everything was intact with no damage. It may have needed painting due living there for 2.5-3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a victim of fraud and misrepresentation by my mortgage lender Wells Fargo. I have a FHA loan insured by HUD and due to a switch in employers and payment frequency I went through a temporary financial hardship and missed some mortgage payments. A couple of months later when I was in a stable position I contacted Wells Fargo to address the late payments and they told me since I had an FHA loan that there were several assistance programs. I was told I needed to apply for a modification, and XXXX XXXX was our designated contact at XXXX EXT XXXX. After supplying all of our paperwork we received modification paperwork in the mail and a notary came over for us to sign this. However, there were no terms, no payment amount and no statement telling when and where to make the mortgage payment in the Wells Fargo paperwork. We called Wells Fargo on several occasions and XXXX XXXX said she would look into it. She finally told us that our payment was {$1900.00} but that since the terms were not in the modification paperwork that we should not make a payment while Wells Fargo gets things straightened out. 

A couple of weeks later we called XXXX XXXX again to get more information. Once again she told us NOT to pay and to wait 30 more days so she could get this straightened out. After we did not make the second modification payment the collections department at Wells Fargo began calling us and telling us we were delinquent and that we were supposed to be making payments over the last couple of months. They told us they would not accept a single payment, only the full past due amount with late fees and Attorney fees. Now XXXX XXXX is apologizing over and over and saying let me get this straightened out ... ... ... ... ..but she never did. Soon we were in foreclosure and Wells Fargo set a foreclosure sale date. 

We are either victims of fraud and misrepresentation or utter incompetence on the part of Wells Fargo. Based on the fake bank account scandal and the investigations by Congress into the behavior and culture at Wells Fargo I admit I am not surprised. However, we are still in a difficult situation because of this. Wells Fargo appears to be willing to rip off HUD as well as my family, they want to lie and make misrepresentations so they can cash in the insurance instead of following the rules. Please look into this matter, all of our conversations with XXXX XXXX were recorded, we are telling the truth and Wells Fargo needs to be held accountable. We were approved, we had the means to pay, we wanted to pay and Wells Fargo told us not to because of errors on our paperwork. When we followed their advice we were put into foreclosure and they set a sale date and refused to accept any type of payment from us except the full past due amount.

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 2022-08-31
Company: EQUIFAX, INC.
State: TX
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. 

XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Original balance {$10000.00} XXXX XXXX XXXX Balance {$330.00} Balance updated XX/XX/XXXX Original balance {$330.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$630.00} Balance updated XX/XX/XXXX Original balance {$630.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Original balance {$1700.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$270.00} Balance updated XX/XX/XXXX Original balance {$270.00} Account number XXXX Date opened XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Original balance {$10000.00} XXXX XXXX XXXX Balance {$330.00} Balance updated XX/XX/XXXX Original balance {$330.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$630.00} Balance updated XX/XX/XXXX Original balance {$630.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Original balance {$1700.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$270.00} Balance updated XX/XX/XXXX Original balance {$270.00} Account number XXXX Date opened XX/XX/XXXX 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 2022-03-04
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company identified by my phone service as " Midland Credit Management '', is calling me every single day, with no comments. The few times I answered the phone, I just here silence. No even robot message. It is just absolutely annoying. Phone numbers used by this company to call on my cell are not always the same. I blocked some of them, but continue to vary and to call. 
This phone line where they are calling is new private line and it was not provided to any service provider. So can not correlate to anything other than the phone provider.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was contacted by email from someone to advertise a sticker on my car and he sent me a cheque but when I deposited the check on  XXXX / XXXX /   2017 I   was confirmed by my bank Chase that it will be verified and clear good in 24hours, which they did in the next day, but on the  XXXX / XXXX /   2017 I w as told to send the money overnight as Money order to an address so they can put the sticker, so I cashed the check even my account did n't have the funds before the deposit but my bank gave me the money in cash without telling that they ca n't since the cheque was not clear or I do n't have enough funds. and I sent the money, but on  XXXX / XXXX /   2017 I re ceived a notice from my bank that my account is overdrawn by the amount of the cheque which is {$2900.00} because the cheque was returned.   the bank froze my account and told me they do n't want me as a customer anymore after I deposited more than the overdrawn amount.   I feel I was mistreated by my bank by not being clear and fair. they should of known the cheque is no good and waited to clear the cheque before giving me the cash.   I did file a report to FBI about the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number XXXX XXXX, XXXXXXXX XXXX XXXX Account number : 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 1 : It also states a consumer reporting agency can not furnish 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
Consumer complaint received 2022-08-31
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:
This is my several 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, IL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXXXXXX XXXXBalance : {$2200.00}.

Company response to consumer: Closed with explanation