BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: KY
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:
This account is showing inaccurate information on my credit 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 2023-10-10
Company: Experian Information Solutions Inc.
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:
I sent experian a dispute of the acoustic t information for XXXX student loans which has been fully satisfied as of XX/XX/2023 and I sent them the letter directly from XXXX and they refused to update the balance from XXXX to XXXX. This greatly affects my debt to income ratio and although XXXX XXXX has already updated, exemption refuses to correct their reporting error.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was constantly charged fees my account was frozen balance was always incorrect

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 2022-10-10
Company: SANTANDER HOLDINGS USA, INC.
State: AZ
Product: Credit reporting, credit repair services, 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:
XXXX XXXX has done a lot of unlawful activities using my name that has made my life hard. I have a wife and XXXX kids can you please help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2022-07-13
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:
went to the car dealership they said that only XXXX would pull my credit. Instead there was a lot. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i opened an account in early XXXX i received a 1099-INT form XX/XX/2023 stating i received {$200.00}. contacted wells fargo XX/XX/2023 to ask about this. i was told it was money for a promotional bonus. i never agreed to a bonus. & upon checking my statement from XXXX when theyre stating i received this {$200.00}. its no where to be found. the call was escalated. & the lady i spoke to was very rude & said i received the money so they couldnt help me. i repeated that i didnt agree & wasnt aware of a bonus. & she said to visit a branch so they could tell me the same thing. i told her to close my accounts & asked if i could speak to someone in regards to the lawsuit about this thats going on. & she got very hateful & stated there is no lawsuit & to get an attorney.

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 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted XXXX  XXXX several times to please update my information since I have paid the off and they have not. There is old information on my credit that should be removed and it is not removed. This is preventing me from obtaining credit as they are keeping my score in an unfair really low number. It is preventing me from obtaining fair credit.

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 2020-12-31
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In accordance with the cardmember agreement for my brand new Blue Cash preferred card account, I mailed an arbitration rejection notice to American Express. The cardmember agreement recommends using an AmEx-provided sample opt out notice form available at https : //americanexpress.com/reject, which I did. 

The AmEx provided rejection notice says to mail the form to a different address than is listed in the cardmember agreement. The address on the provided form is only different by one digit in the zip code. I discovered this the hard way because I followed the instructions on the AmEx-provided sample rejection notice, and my rejection notice mail was returned to me by USPS. 

I send rejection notices via USPS Certified Mail with electronic return receipt, as most companies that accept these types of notices do not provide written confirmation of receipt. As I mailed my notice to the address on the AmEx-provided form, I spent {$5.00} in postage for this attempt. 

AmEx must do the following : 1 ) Reimburse me my {$5.00} in postage which was wasted at their provided instructions 2 ) Reimburse me for the time I now have to spend at the post office buying postage for a second attempt 3 ) Correct the address listed on their provided form at https : //americanexpress.com/reject 4 ) Notify all existing AmEx customers of the mistake and provide all customers with a new opportunity to opt out of arbitration. Existing customers that attempted to opt out via first class mail using the incorrect address on the AmEx-provided form may not have been able to opt out properly using a second attempt. AmEx needs to provide their customers with the ability to retain their legal rights which may have been unfairly limited due to AmEx 's error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11
Company: Experian Information Solutions Inc.
State: CA
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 complaint is only for Experian credit bureau. XXXX and XXXX have continued to report accurately. In XXXX Experian stopped updating payment information for my XXXX XXXX personal loan. I opened a dispute on XX/XX/XXXX notifying them that although I was on payment assistance due to losing my job during the pandemic I was still making payments and they weren't being reported. They investigated and updated my payment information/history however they permanently removed and the " original loan balance which changed my " percentage of loan paid off '' to " XXXX '', decreased my XXXXredit score by 24 points, and made the loan appear as though it wasn't being paid off and there was no progress. I submitted 4 more disputes and uploaded images/supporting documents showing my credit report the day before they updated my report and the day after with the only change being the original loan balance removed/missing dispute dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The original loan balance is {$18000.00}. By XX/XX/XXXX my loan was 45 % paid off and reporting as such on XXXX  and XXXX however Experian although reporting the correct balance still showed 0 % paid off. I called the dispute department who told me that I needed to subscribe to their premium service so that they could access my report and help me further, so I did. They then told me that they could only give me possible reasons why my score dropped ( again only on Experian ) and couldn't help me further. XX/XX/XXXX my Experian credit report was updated and my score decreased by another 25 points with the only change being 1 payment made in the amount of {$35.00} to a credit card bringing the balance to {$0.00}. NO other changes. I've opened a 5th dispute today and after speaking with another Experian dispute specialist was told that they couldn't help me and that I needed to speak with a credit repair analyst to get more specific information. Just to be clear, I've disputed this information with XXXX XXXX directly who replied stating that they are reporting all information to Experian. In addition, my XXXX and XXXX credit scores are 50+ points higher reporting the same accounts and same information other than this " original loan balance '' that Experian refuses to include/update/re-enter.

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 2019-04-02
Company: MIDCOUNTRY FINANCIAL CORP
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
The Phantom Debt Collector Scheme is what happened. The ordeal started in XXXX, and has caused severe consumer injury. In fact the mishap cost me my career. I am still in the process of gathering all the details. I do have the original  contracts, bank  statements, and L.E.S. statements show how finances were deducted. By the time I realized what was happening it was to late to fix from my geographical location. The criminals tried to frame me for the crimes committed against myself and the United States-XXXX. I was put into a XXXX status for 4 months in XXXX XXXX, and found out that I was XXXX. 
Pioneer Service " XXXX '' XX/XX/XXXX : - {XXXX} XX/XX/XXXX : - {$XXXX} XXXX - {XXXX}  XXXX - {$XXXX}  XXXX - {$XXXX} XXXX - {$XXXX} XXXX - {$XXXX}  XXXX - {$XXXX}  XXXX - {$XXXX} XXXX - {$XXXX} XXXX - {$XXXX} XX/XX/XXXX : - {$XXXX} XX/XX/XXXX - {$XXXX} XX/XX/XXXX to XXXX XX/XX/XXXX=- {$XXXX} loss of remainder of sign on bonus : - {$XXXX} Total loss : - {$XXXX}  ( Loss of XXXX Career priceless ) I was XXXX  on XX/XX/XXXX. I have tried to fix this ever since. Each time my technology gets hacked or broken and the process ends. In XXXX the Veterans Affairs awarded me XXXX for the XXXX associated with being XXXX  from my career prematurely. Also in XXXX 7 days later in another state the FTC  was shutting down the Phantom Debt Collectors that had harassed me since XXXX 's first  payday loan. Each debt seemingly went into several collections agencies that were connected to military debts. ( Pioneer Services  & XXXX ) XXXX XXXX loan discharged XX/XX/XXXX + {$XXXX} I have receipts for phantom debts that I have paid that were not actual debts. Total loss is still being calculated. It should not be this hard to get something cleared up, and/or this long to be addressed with the consumer that has been/is being targeted by aggressive criminals-debt collectors. 

XX/XX/XXXX The Phantom Calls began again triggering me to discover new evidence solving an 11 year old mystery for me. What really happened in XXXX, XXXX during XXXX was very damaging to our missions. I'm still working all the issues out. Per my calculations the Phantom Debt Scheme has stolen thousands of dollars from me then dismantled me financially, and threatened to imprison me if I ever told anyone. Here it is 11 years later, and I finally understand what happened. I was targeted by highly skilled professionals, victim, framed for crime, and someone went to extreme measures to cover it up. 


XXXX XXXX Veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I filed a complaint with Equifax about inquiries that were on my credit profile. Instead of the company clearing up this matter, they decided to ignore my request to validate the inquiries. They insisted that I had to follow up with the companies because the companies were the ones who placed the inquiries on my account. I told them that I was filing a dispute about their reporting and that it was their responsibility to make sure that the inquiries that they were reporting should be validated on their end. They chose to ignore my request for validation. I followed up with a second letter on XX/XX/XXXX asking them again to validate the inquiries but they chose to not validate the accounts and Instead place a fraud alert on my credit profile instead of doing their jobs and completing the investigation. I am concerned with the validity of these inquires on my credit profile and it represents a serious error in their reporting on my credit profile. Both letters were sent via certified mail and the signature receipts are attached to this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX and XXXX  16 late payments. In accordance with the fair credit reporting Act.This creditor has violated my rights under 15 USC 1681 section602 states. I have the right to privacy15 USC 1681 section 604 section2 it also states that a consumer reporting agency can not furnish anaccount without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a creit card account under and open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX sued me for an outstanding credit card balance of {$2500.00}. XXXX that had went to collection. Through my attorney and XXXX 's attorney a settlement was made for me to settle the account by making monthly payments of {$96.00} until the settled amount of {$1300.00} was paid. I paid {$50.00} every 2 weeks until I made my final payment in XXXX of XXXX. I reviewed my XXXX of XXXX and noticed that the account had not been updated to reflect the current status. In fact the agreed upon settled amount was showing as the balance owed. The error is causing my credit utilization to be miscalculated. I disputed the account with the credit reporting agencies on XX/XX/XXXX. The dispute came back verified. I attempted another dispute in XX/XX/XXXX and again the dispute came back verified. Since this account was involved a legal case I believe that if Transunion and XXXX had done their due diligence in investigating my disputes. They should have received proper status from XXXX bank. As of today XX/XX/XXXX The account status remains incorrect.

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 2023-01-23
Company: Freedom Mortgage Company
State: DC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As expressed in my original letter for the return of my original documents, which is theft per my original letter sent, which is still unresolved. I would like my original documents returned to me. I was sent copies of my original document along with other unrequested documents. If not acceptable, why haven't they returned the original if not accepted? 

This is not a duplicate request. This issue was never resolved.

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 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2019-07-25
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I closed my account with US Bank at the XXXX XXXX branch in XXXX, Ohio. There were four pending transactions which I stopped payment on. The bank was to return the money that would have been paid on, but to date they have not returned the money which totalled {$540.00}. Since then my employer forwarded my direct deposit to this closed account on XX/XX/XXXX. They failed to inform my employer that the account had been closed and now my employer is trying to find where the money is at. It was not returned to their bank so they have put a tracer on it trying to find where the check got off to.

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 2022-01-12
Company: AMERICAN EXPRESS COMPANY
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I recently pulled my credit report and discovered that my mortgage account with XXXX XXXX XXXX is reporting my account as being adverse and delinquent when it is not. 

According to XXXX XXXX  XXXX letter dated XX/XX/2019, the account has never been late and they claim it is being reported accurately. However, when you look at my credit reports, the XXXX XXXX XXXX account is being reported as delinquent every month by all of the credit bureaus, when it is not. It is also listed in the " Adverse Accounts '' category of the credit report. 

Ive repeatedly asked XXXX XXXX XXXX to fix this problem by removing the wording in the remarks section. In the remarks section for each and every month, XXXX XXXX XXXX writes, BANKRUPTCY DISMISSED. By making this adverse notation, it incorrectly appears that I am filing for bankruptcy each and every month, which is not the case. This adverse remark should not be appearing on my XXXX XXXX XXXX account at all. They had nothing to do with any bankruptcy. It is also being reported as one month late when it is not. Consequently, the XXXX XXXX XXXX account is showing the account as delinquent when it is not. 

I never had any late payments prior to or after this time period. I am requesting that XXXX XXXX XXXX delete the remarks on my credit report 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