BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I purchased a service through my online banking with my bank of America using a XXXX  method I got a glitch saying it will post 24 hours to review the purchase. Then in 4 hours in got send .during those hours I tried to cancel the transactions an I couldn't cancel it.

Even though I purchase the service I didn't get the service so I automatically file a claim. The bank said to try to ask the services provider to refund me my money back an no answer .so I got scammed an fraud. I also tried file e regulations an they said that they can't file the e regulations because the account does not have funds.

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 2023-01-19
Company: EQUIFAX, 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:
Credit Bureau is reporting a 90 day late in XX/XX/2018 on ( XXXX/Dept of ED ). 
How can this account be 90 days late when it was on time the month prior. This is an inaccurate reporting. Please remove the 90 day late from my credit file and update this account to open, never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

also states a consumer reporting agency can not furnish a account without my written instructions. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company 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 2023-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/23 ; XX/XX/23 ; XX/XX/23 - every month I have sent in requests of the investigations and proof regarding the inaccurate information reporting on my credit and continuously receive no response. While information stays reporting incorrect, unknown, and unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully ask the CFPB to fully and thoroughly investigate the fraudulent and illegal conduct committed by XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its lead counsel XXXX XXXX XXXX, XXXX. ( XXXX XXXX. XXXX ) and his law firm of XXXX, XXXX, XXXX XXXX XXXX XXXX, for repeated violations of the applicable law, as detailed herein and other violations as deemed proper and necessary in XXXX discretion, not only in my case, but also for any other instances of such predatory and persistent violations of the law, given the fact that XXXX  is XXXX of the largest publicly traded XXXX, engaged in leasing properties to the public. Given the XXXX extent, pervasiveness, and brazen manner with which it has committed these illegal acts, clearly, my case is not the only XXXX, thus fully warranting CFPBs to open a wide ranging case of investigation into XXXX and its more than XXXX affiliated entities operations. 
See attached Complaint Letter and the Exhibits.

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 2023-11-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent 3 different letters since XXXX of XXXX as well as called on XX/XX/XXXX to get validation of this fraudulent debt and ask until i get validation and a new investigation be done to remove from my credit in 30 days and none of those things have been done nor have they responded. CB/ XXXX XXXX. I filled a complaint again on XX/XX/XXXX with CFPB as well as contacted XXXX and made them aware what they are sending me is NOT VALADATION LETTER OF DEBT. At this time the debt has been written off they have not provided a 1099C or proof of debt in validation letter or deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Report shows collection agency WAKEFIELD & ASSOCIATES was reported XX/XX/2023 for some kind of XXXX XXXX XXXX. I have not had this service and have not been contacted in any way by the original creditor or the collection agency. I only was made aware when reviewing my credit report. It has now reduced my XXXX credit score by XXXX points! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: AMERICAN EXPRESS COMPANY
State: TN
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 previously disputed this company and asked that they send the consumer a LEGAL BINDING CONTRACT that has both legible signatures ( from myself and the company entity stating that there is a contractual agreement between both parties. What the consumer received was anything but. The consumer specifically asks for the entity to produce legalities that the alleged account indeed belongs to the consumer. Yet they have chosen over and over again to send the consumer what they feel is needed, which is UNACCEPTABLE. This game that the company is playing should be pointed out that if they are unable to produce the legality of the alleged account then the account should be REMOVED IMMEDIATELY. THE COMPANY IS CONSISTENTLY VIOLATING LAWS. I will upload the latest letter that was sent to the consumer about the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
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 am a natural person. I have rights under 15 USC 1681 Chexsystems is govern by 15 USC 1681 and they violated my rights. I demand the account below be removed immediately According to 15 USC 1681 I have the right to privacy and I did not give Chexsystems written permission to furnish these accounts. Moreover items were reported fraudulently and inaccurately and in accordance with the Fair Credit Reporting Act all items must be XXXX XXXX accurate when reporting and account reported are not 100 % therefore I demand for All accounts get deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX also called XXXX XXXX to remove all reported items XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX Chex Systems Account number XXXX I dont have any installment loan with XXXX  XXXX XXXX  XXXX XXXX and I never signed or authorized any installment loan with XXXX  XXXX XXXX  XXXX XXXX XXXX I never written any checks from XXXX XXXX XXXX  XXXX XXXX The furnisher XXXX ( XXXX XXXX ) responded to prior CFPB report case number XXXX that the reporting was not made by them ; therefore, I can conclude the reporting is done fraudulently ( page XXXX of XXXX ) I gave Chexsystems a copy of the CFPB and they ignored my request to delete account I gave Chexsystems a copy of my FTC filing stating that the XXXX accounts requested to be deleted are fraudulent. FTC report XXXX regarding identification theft Moreover all XXXX accounts are inaccurate on all XXXX credit files and 15 usc 1681 states credit files have to be XXXX XXXX  accurate XXXX stated they did an investigation however all XXXX credit files are still inaccurate I want all accounts deleted immediately

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 2023-01-18
Company: GB Collects, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see attachment. Disputed in writing XXXX Never heard back and then got a letter today attempting to still collect this debt. They never got back to me to clear the debt or to try and validate with me either. unethical and harassing. See documentation. Just notified them in writing again today via fax and mailed snail mail showing previous dispute and no response for well over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: MD
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 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I asked for a loan modification to be able to pay the mortgage at a rough time and the bank stated they could help me but then refused to applove the loan modificationa and put me in foreclosure.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have wrong, missing fraud etc. information on my credit reports. I have disputed this for 3 plus years, I again contacted each bureau and tried to resolve. they have violated my rights under 15 USC 1681. they have caused me harm, jobs, loss of credit, mortgages and loans etc. 
I have repeatedly tried to get the information removed and they just turn it over to someone else for me to contact. 
I did not give then permission to use or sell my information. 
i did not give them permission to use this negative credit against me. 
I have shown them this was not me my name is XXXX not XXXX. they still will not remove these 5 accounts from my file

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 2023-05-12
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
XXXX is reporting information on my credit report incorrectly.i am writing to request the removal of unauthorized credit inquiries. My latest credit report shows 3 hard inquiries that I did not authorize

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 2023-11-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your company is furnishing an account on my credit report as a charge off which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove the following item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. Also, the credit reporting agencies are reporting inconsistent information such as the Date last active and payment history. How can each bureau report different information if all data should be the same? You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. Please note that this account is also paid in a settlement and there was an agreement for the account to be deleted. Remove the following account from my credit report within 14 days Jpmcb Auto Finance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2023 -- -- -- On XX/XX/2023 I deposited a check into XXXX XXXX XXXX XXXX at the Wells Fargo Bank in XXXX Nevada XXXX in the amount of {$60000.00}. The check was for the renovation project on the home. After a month has gone by XXXX XXXX XXXX XXXX has not honored their agreement. In contact with XXXX XXXX XXXX first, he claimed that the funds were not in his account and then he said the Wells Fargo Bank had a hold on the funds that were deposited into his account. I contacted again and XXXX told me that Wells Fargo Bank has a freeze on his account and is under investigation. 
I've contacted my bank XXXX  Bank in XXXX Nevada to try to retrieve the funds back from Wells Fargo Bank and they told me that the funds have already been paid to the XXXX account at Wells Fargo Bank and they could not retrieve the funds back from Wells Fargo that XXXX and Wells Fargo would have to send them back to my account. 

I have contacted Wells Fargo Bank to try to resolve the issue and they acknowledge the receipt with a case number and after a number of telephone conversations with them, they told me that they couldn't help me get the funds returned to my XXXXXXXX XXXX  account. 

I can provide a copy of the check and deposit receipt. Also, the case number from Wells Fargo Bank is 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 2023-01-18
Company: Experian Information Solutions Inc.
State: OH
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:
In XX/XX/2019, XXXX XXXX sold us a timeshare based on points, not property. XXXX told us when we bought that they will not list the loan as a debt or recurring debt and they did. There is an entry on our Experian Credit report for a company called XXXX XXXX XXXX, for a timeshare. Since it is not real property and we bought points only, this should not be on our credit report as a loan. When we found out we were misled and was sold a fraudulent contract we hired an attorney. We also stopped paying while it was being investigated. XXXX reported missed payments on our credit, even though they said it would not. Since they have reported, we can not qualify for housing. We have paid them over {$15000.00} and have not been able to use the product that was sold to us. They have agreed to take the Timeshare back and we are now are seeking help for all credit reporting to come off the report.

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 2020-07-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Multiple attempts have been made requesting removal of incorrect, unvalidated derogatory information from my credit report. Reporting company/collector unable to provide validation per FCRA specifications. The reporting company/collector must provide validation per FCRA specifications, or this item must be removed. Company/collector has also been verifiably contacted ( USPS # XXXX ) and still unable to provide FCRA validation. This account must be removed from my credit report. If it is not resolved via this complaint, I will immediately seek monetary relief to the fullest extend allowed per the courts via Legal Counsel. 

Account being reported : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This debt was apart of the federal lawsuit against the student debt companies. Biden against the student debt companies the suit was in Bidens favor he won, they only removed a portion of my debt and said I still owed when debt removal was up to XXXX. I have fighting against them to remove this debt over two years. I do not owe this debt this debt was filed with XXXX online for debt removal. I filed a XXXX XXXX and a debt removal form earlier this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
PLEASE HELP ME WITH THOSE ACCOUNTS AND WITH THOSE INQUIRIES XXXX XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRY XXXX XXXX XXXX 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 explanation