BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: OH
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 contacted Experian in the past explaining that some someone has been attempting to open accounts in my name but they told me that I needed to have documentation on file with them before they would be able to help me. I sent the information several times in the past only for them to say they did not get it. I have attached the identity theft report to this complaint in hopes of getting this information removed from 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 non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from 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 non-monetary relief
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 2023-04-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. : XXXX XXXX Account XXXX and XXXX XXXX. XXXX Account XXXX To Whom It May Concern : I have learned that my business accounts mentioned above are frozen and to be closed within 60 days from XX/XX/XXXX due to YOU HAVE VIOLATED THE TERMS OF YOUR ACCOUNT PER CLIENT MANUAL Please explain what terms have I violated based on your CitiBusiness Client Manual US Markets Effective XX/XX/XXXX and various Amendments to the CitiBusiness Client Manual, US Markets? I just viewed my accounts and I did not make any transactions at all while I was in XXXX, that I violated the terms? I was out of the country vacation in XXXX from XX/XX/XXXX thru XX/XX/XXXX and periodically viewing my account via online application on my iPhone. 

I would like to request to unfrozen OR close my accounts immediately so that I can purchase my investment property by XX/XX/XXXX. 

I can be reached at my cell XXXX or via email XXXX if you have any questions,

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 2019-07-11
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I returned and insurance check of {$2000.00} to Wells Fargo as the representative instructioned. It was to reimburse them for a cancelled insurance which was canceled within 5 days. In XX/XX/XXXX my escrow had doubled. I contacted wellsfargo they said they never received the check. XXXX XXXX did an investigation and found the check that had been cashed on XX/XX/XXXX by Wells Fargo. XXXX stated they'd put it towards my principal and the rest towards an escrow as I didn't pay my payments. I have bank records that prove I paid my payment, if they did that why did not the whole amount go towards the principal. My house payment has gone up by XXXX XXXX dollars and I was told by corporate it had been more than 90 days and they couldn't do anything about it. Wellsfargo are the ones that told me to send the check into them. I am having a hard time finding in my documents anything but they applied anything 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 2021-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, Bank of America is preventing me from disputing a charge on my credit card and I need CFPB 's help. 

On XX/XX/2021, I made a {$250.00} purchase for a product that was defective. The company did not tell me at the payment that the product was not refundable. Only when I realized that the item doesnt work and took it back to the store that I was notified. The customer service did take the item back and promised to call me back. They called me back on XX/XX/2021, when I was driving. I promised to call back for safety reasons and I did. After two attempts, I left a voicemail and received no call back. Since then, I have been trying to reach Bank of America to dispute the charge. Surprisingly, BOA does not allow for an online filing. A phone number is provided for call. Not only that no one responds to the call, I have to wait indefinitely without any idea of how long. 
I found this suspicious and stressful especially at the time when my family and I are facing scarcity of resources.

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 2023-08-15
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Guild Mortgage has failed to remove my mortgage insurance, despite my mortgage balance dropping below 80 % loan to value.

Guild mortgage consistently under pays my taxes, by amounts less than one dollar.

Guild Mortgage has failed to pay my homeowners insurance, despite it being due on XX/XX/2023. They sent payment on XX/XX/2023, after policys due date. That payment has still not been received as of XX/XX/2023 and I had to pay an additional 2 months premium in order for my insurance not to be cancelled. I have made a total of 9 calls to customer service, starting on XX/XX/2023. That is the date I recieived notice from my insurance company that the payment had not been made. Despite informing guild mortgage on XX/XX/2023 they did not make payment till XX/XX/2023. they did not overnight the payment and it has no tracking. They are grossly incompetent with my escrow.

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

Complaint:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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 credi reporting ACT has violented my rights. 

Account 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 XXXX5 U.S.C 1681 section 602A State : I HAve the rights to Privacy. 
15 U.S.C 1681 section 604A section 2 : Its also state a consumer reporting Agency can not furnish a 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 2023-10-21
Company: MOHELA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In an effort to solve the issue described in my previous CFPB complaint, I gave MOHELA a call. After patiently waiting on hold for more than 2 hours, I asked customer service why my SAVE payment was so high. They did not know and told me they would recalculate my payment while I was put on administrative forbearance. 

Shortly after, I got a written notification from MOHELA that they needed 90 additional days to process my payment. This is unacceptable. They sure did send me my bill quickly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10
Company: Experian Information Solutions Inc.
State: NC
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:
I noticed that there was another unauthorized hard inquires from XXXX on XX/XX/2018 on my Experian and XXXX  credit report that i did not make, i've made several calls to XXXX, Experian and XXXX to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of Experian and XXXX i get hard inquires and things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from Experian, XXXX and XXXX is working together using my info TO OBTAIN 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 2023-04-10
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX 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 explanation
Consumer complaint received 2023-01-13
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00}

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 2023-10-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. 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 2023-08-15
Company: Source Receivables Management LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is reporting my personal information to the consumer reporting agencies without my permission or consent. This company is alleging that I owe an alleged debt. I never done any business with this corporation. By this company using my personal information without my consent it is ruining me and my families life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I told the bank that I received a damaged order, and I tried to contact the merchant for a refund, and the merchant refused to issue a refund, so I contacted my bank to dispute the charge, but my bank has not been supportive on resolving the dispute with the merchant, so I am filing a complaint because I have had issue with this bank several times failing to resolve dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want all hard inquiries removed immediately from my credit report via 15 usc 1681 a2 b Any authorization or approval of a specifich extension of credit directly or indirectly by the iddue of a credit card or similar devices to be excluded from.

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 2023-10-21
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was notified in XXXX XXXX that repayments would be restarting even though I had been in graduate school since XX/XX/XXXX which I had previously submitted by loan deferment request. I was previously with XXXX but after the switch to Mohela, apparently all the information was lost. As a result, I am being charged for loan payments and interest on my subsidized loans even though I should be in deferment and the interest on my subsidized loans should be paid. 

I submitted a new loan deferment request in XX/XX/XXXX but apparently the request has not been processed yet ( expected to take 90 business days to process! ). As a result, I have been charged interest and repayment amounts that I should not be charged for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Yesterday I got a call from the help desk at Chime ( XXXX ) XXXX stated that I had fraudulent activity on my account and my account was needed to be put on a hold. They requested I sent {$520.00} to XXXX in order for my money to be moved over to my savings and held on a hold until the activity has been resolved. Unfortunately when I called the number back an hour later I was greeted by another Chime employee that told me it was scam and I was not going to be able to get my money back. This is very disappointing as I got called from Chime Financials number and there is no information until it happens to you that Chime will not call first. They need to get their security up and inform their customers about what can happen, this isnt right- I should not be getting called from the exact same number and not compensated for their lack of security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am receiving telephone calls of harassment, annoyance, obscene and profane language and threats of harm, violence and death from LVNV Funding/ResurgenXXXX XXXX XXXX XXXX XXXX in regards to a fraudulent XXXX XXXX personal loan account ending in XXXX for {$5600.00} that is the result of identity theft. The XXXX XXXX Personal loan account is a fraudulent account and is the result of identity theft. Resurgent Capital Services has violated and is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Crown Assets Management, LLC, has been trying to collect on a debt that has been discharged. I have requested such as how much did they purchase the debt for? a copy of the original application? Purchase agreement. Copies of all receipts. If the information was not sent to me, I ask that they cease and desist. All of my request were certified mail, XX/XX/2023, and XX/XX/2023. I did not receive a response from them. XX/XX/2023, informing me they were hired to represent XXXX XXXX XXXX XXXX account, now owned by Crown Asset Management , LLC, for a past due bal. of XXXX. We are mindful of the tough economic times that many people have realized in recent years On XX/XX/2023, I received an e-mail from XXXX, XXXX, XXXX XXXX XXXX, XXXX, giving me OPTION XXXX : A discount one-time payment for full and final settlement of the account. XXXX. Option XXXX : Payment plan an affordable monthly payment. Any and all information I have requested has been ignored.

Company response to consumer: Closed with explanation