BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-29
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian had been informed by XXXX XXXX XXXX and myself that the two medical accounts was to be deleted from my credit report along with XXXX. They continue to report to wrong information along with inquiries that was disputed.

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 2019-02-16
Company: ENCORE CAPITAL GROUP 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:
This company continues to harass me about a debt I know nothing about that was sold to them by a XXXX XXXX which I never opened an account with. Asked numerous times for them to provide me documentation but nothing ever arrives. The only thing they send is a bill over and over. Im frustrated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have submitted documents to Chase 3times to refinance my loan that has been with them over 13 years with no late payments. The first refinance they charged me fees and then denied me for having a Jr lien in an amount of less than 4k .. the second time I sent all my documents then signed the documents they then said the interest rate needed to be higher. They would keep running my credit score each time and then say the documents would be lost or delayed due to no fault of my own. And then they said they needed to run 4 time said I had reached the maximum review and needed to wait 12,  months. They have run down my score and ca n't refinance anywhere else and after all this I am still stuck with a 8.75..interest rate which I am sure they are not so anxious to change. The follow up and follow through, communication is horrible. I have sent communication to them along with complaints and have nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX discovered my account was being closed. No notice from Chase. Discovered from notice of automatic payment denial. 
On XX/XX/XXXX Called customer service. " Chase has frozen your account, it is in the process of closing, we have the right to choose to no longer service your account per the agreement signed at the opening of the account, ( 22 years ago ) " Chase '' doesn't discuss the criteria or the reason. It will take seven to ten business days to close the account, seven to ten business days to review the closure, and seven to ten business days to cut a check. " I went to my local branch and was told by XXXX XXXX ( after he called customer service ) the same information. 
On XX/XX/XXXX I received a letter from Chase. ( see attached ) On XX/XX/XXXX I returned to my branch and stated that 21 business days is too long to hold my funds. I was never asked to provide any information about my accounts before they were frozen and the closing procedure was initiated. There are no transactions pending, I asked them to close the account and cut me a check. I was told the check would be cut about XXXX and mailed. " The funds had to be verified. '' One quick look at my statements would " verify '' any funds. in those accounts. They were put there by cash deposits, direct deposit payroll checks, pension funds, or social security. Their own records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted your department about the fraudulent accounts that are being reported on my credit. I believe this started in XXXX XXXX time period. I discovered it around XXXX when I had to dispute items the first time, and now it is happening again on my credit report. I have had identity theft Report filed with a DC # XXXX around XX/XX/XXXX due to a break in of my property. Also, I have not supplied proof under doctrine of estoppel by silence. XXXXXXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I Presume that no proof of the alleged debt, nor therefore exists under my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My bank has acknowledged that they know funds from my savings account were stolen from my savings account. They allege they have credited my account for a little over six thousand dollars. I have three receipts showing I deposited {$30000.00} on XX/XX/XXXX, {$14000.00} on XX/XX/XXXX and {$29000.00} on XX/XX/XXXX. Though I have repeatedly asked the bank to send me my money, they have sent me absolutely no money. I believe I should also be entitled to receive punitive damages for mental anguish and the financial hardship Fifth Third Bank, XXXX XXXX XXXX, XXXX, OH XXXX has caused me. I do not know what the law says about that. I assume you do. My savings account number at Fifth Third Bank was XXXX. My present address is : XXXX XXXX, XXXX XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX. I do not know how to send you copies of the receipts for deposit. What should I do next??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Oliver Adjustment Co.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I WROTE AND NOTIFIED THE XXXX AND I ALSO NOTIFIED THE JUNK DEBT BUYERS 15 u.s code 3 1681a DEFINITION ; RULES OF CONSTRUCTION ( 3 ) RESTRICTIONS ON SHARING OF MEDICAL INFORMATION. EXCEPT FOR INFORMATION OR ANY COMMUNICATION OF INFORMATION DISCLOSED AS PROVIDED IN SECTION 1681B G ( 3 ) of this title, the exclusions in paragraph 2 shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( I ) Medical Information 1. Means information or data whether oral or recorded in any form or medium created by or derived from a health care provider or the consumer that relates to ( A ) the past, the present or future physical, mental or behavior health or condition of an individual ; ( B ) the provision of health care to an individual or ( C ) the payment for the provision of health care to an individual. ( 2 ) DOES NOT INCLUDE THE AGE OR GENDER OF A CONSUMER DEMOGRAPHIC INFORMATION INCLUDING A CONSUMER RESIDENCE ADDRESS OR EMAIL ADDRESS OR ANY OTHER INFORMATION ABOUT A CONSUMER THAT DOES NOT RELATE TO THE PHYSICAL MENTAL OR BEHAVIOR HEALTH OR CONDITION OF A CONSUMER INCLUDING THE EXISTENCE OR VALUE OF ANY INSURANCE POLICY, REMOVE THESE ACCOUNTS IMMEDIATELY.YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER REMOVE THESE ACCOUNTS IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
after sending disupute letters to each bureau, certified mail XX/XX/2022. I waited for a response of the investigation and i have still yet to receive anything from either bureau. 

i take my credit very seriously and the number of violations and inaccurasies on my report is costing so much more money and im preparing for legal action to seek damages from failure to comply with FCRA laws due to blatant disregard for following the laws in place. 

under 15 usc 1681 e b- accuracy of a report, it is the CRA to report 100 % maximum possible accurate information on a consumer, so these accounts are in violation of that law and need to be deleted from my credit report immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mo child support, these accounts are either or all closed, the dates reported dont match along with the remarks made from each bureau causing me to have all different credit scores. They are held responsible for reporting accurate info and they failed to do so causing inaccurate reports which is law violation and a reason why I can seek damages for this inconnviennce. 

under 15 1602 p- unauthorized use of my information, i have never given any written consent for any of this plus these inquiries to be reported to my credit report, ive called and asked the creditors to send me the document showing my hand written signature they couldnt do it, so this is fraud and no consent is fraud so i also demand these items to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX bank all of this is what I stated in my dispute letters, I dont beleive in threatening a law suit but this is just a XXXX poor job of them not properly doing an investigation and upholding the fcra/fdcpa laws and im ready pursue legally at the maximum extent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: NJ
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:
IM WRITING THIS LETTER ON MY OWN. I swear all information provided within the attachment under the penalty of perjury is true and accurate to the best of my ability and knowledge.

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 2022-08-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
after sending disupute letters to each bureau, certified mail XX/XX/2022. I waited for a response of the investigation and i have still yet to receive anything from either bureau. 

i take my credit very seriously and the number of violations and inaccurasies on my report is costing so much more money and im preparing for legal action to seek damages from failure to comply with FCRA laws due to blatant disregard for following the laws in place. 

under 15 usc 1681 e b- accuracy of a report, it is the CRA to report 100 % maximum possible accurate information on a consumer, so these accounts are in violation of that law and need to be deleted from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX as, XXXX XXXX, mo child support, these accounts are either or all closed, the dates reported dont match along with the remarks made from each bureau causing me to have all different credit scores. They are held responsible for reporting accurate info and they failed to do so causing inaccurate reports which is law violation and a reason why I can seek damages for this inconnviennce. 

under 15 1602 p- unauthorized use of my information, i have never given any written consent for any of this plus these inquiries to be reported to my credit report, ive called and asked the creditors to send me the document showing my hand written signature they couldnt do it, so this is fraud and no consent is fraud so i also demand these items to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX bank all of this is what I stated in my dispute letters, I dont beleive in threatening a law suit but this is just a XXXX poor job of them not properly doing an investigation and upholding the fcra/fdcpa laws and im ready pursue legally at the maximum extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: Pinnacle Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was shocked when I reviewed my credit report and found items on my report that are not mine. Creditor : Pinnacle Credit Services Account # : XXXX XXXX I have never had an account with Pinnacle Credit Services or its affliates. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage account was paid in full on XX/XX/2018. However, an automatic monthly payment was processed on XX/XX/2018 for an overpayment amount of {$1300.00}. I have called Ditech to resolve this matter and spoke with representatives and supervisors. Every time I called they explain about a different process to issue a refund check, which is not a consistent explanation. Recently, I spoke with supervisor XXXX on XX/XX/2018 XXXX ET, who promised to overnight the check and call me to confirm. Today is Tuesday XX/XX/2018 and no call nor an overnight check has been received. I called and spoke with XXXX and lead XXXX. They indicated that XXXX was ill and out of the office for 2 days. On XX/XX/2018, XXXX added he will take care of this matter. XXXX acknowledged that I have called several times and nothing was done. He will follow up and call me tomorrow XX/XX/2018 at XXXX ET to get this finalized and find out where the disconnect is. Keep in mind they do have my correct mailing address, telephone number and email address. Today is Thursday XX/XX/2018 and I have not received any response from anyone at DItech. At this time I have lost confidence in Ditech, please help me to expedite and get my money back {$300.00}

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, Wells Fargo Bank failed to notify me about an on-line Transfer from my Savings Account to my Checking Acct in the amount of {$100000.00} which I did not do. The money was then used by the Fraudster " XXXX from XXXX XXXX '' to claim that I '' stole {$100000.00} from XXXX XXXX  '' when I responded to an email from XXXX XXXX XXXX XXXX that the payment for my subscription of {$390.00} was successful. I explained that I did not ask for any subscription and " Employee XXXX '' told me to fill up an application for Refund from XXXX XXXX, bank that handles XXXX XXXX, which I did and it back to him. 
I was threatened by " XXXX '' that if I don't return back the money, he will call the Police to come get me! '' which made me really scared and trembling! I told him to just reverse the money then, but he said it has to by wire Transfer which I have not done before. He then sent me the Instructions of how to do it. I checked my XXXX  Checking Account and I did see " Deposit from XXXX XXXX  {$100000.00} ''! I then went to Wells Fargo Bank and gave the paper to the Banker and did the Transfer right away without any questions. 
When I got home, that XXXX called me again to check if I did the Transfer and to picture the receipt to send him. Then he said, " Let 's just this keep this to ourselves, ok? '' That's when I realized I got defrauded and had tried to call the Bank but they were answering the phone, so I went back to the Bank within the hour! XXXX tried to call the number on the receipt but no answer. The Banker also reported it to their Fraud Dept. I then asked to talked to the Chief Banker and complained HOW COME NOBODY NOTIFIED ME ABOUT THE ON-LINE TRANSFER FROM MY SAVINGS TO MY CHECKING ACCOUNT? THAT SHOULD HAVE ALERTED ME THAT IT WAS MY OWN MONEY THAT I WAS WIRE TRANSFERRING! Besides I did not have enough money in my SAvings to make the {$100000.00}! I told the Banker that was really NEGLIGENCE on their part! Then we found out that {$15000.00} came from daughter 's Acct ( Educational Savings for my Granddaughter )! The next day, I received in my email the warning about the on-line Transfer of {$100000.00} WHICH IS TOO LATE! I made a complaint Letter to the Bank about their Negligence and they wrote me back after 2 weeks denying my claim.

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 2022-08-24
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:
FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXXXXXX XXXX  XXXX TX Date assigned XX/XX/XXXX XXXX XXXX  XXXX : XXXX View account details Account status Age of Account Late payments Closed 1 year 8 months 6 days 2 Other XXXX XXXX XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 2 years 1 month XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 5 years 1 month 6 days XXXX XXXX XXXX XXXX  XXXX View account details Account status Age of Account Late payments Closed 7 years 11 months 30 days XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 11 years 28 days XXXX - XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 15 years 1 month 11 days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 8 days XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 3 years 7 months 17 days 5 FCRA violations XXXX payments never late XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 7 years 9 months 11 days XXXX XXXX  XXXX / XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 4 months 15 days XXXX XXXX XXXX XXXXXXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 6 days 4 FCRA violations : accounts not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, LA XXXX Dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: DISCOVER BANK
State: IN
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:
At XXXX on XX/XX/21 I received a call regarding a discover card. I do not have a discover card or want one. I have had this call multiple times per day. I told them I am on the XXXX do not call list but they keep calling.

Company response to consumer: Closed with explanation