BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-14
Company: ECMC GROUP, INC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
ECMC, has been making my student loan amounts increase, and I can not understand why, with the moratorium that is good thru XX/XX/2021. Also, I am being harrassed with numerous calls a day, and threatening voicemails. I understand there is scams out there. I can not fathom how, my balances are going up up up ... at this time. I am XXXX, in XXXX  so I would usually have a small payment plan. I tried to reach out to figure out, what is going on. There are federal protections in place, and I just need help all the way around. I have severe XXXX, and this is not cool!

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 2021-06-16
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I incurred 6 overdraft charges in one week With regions bank I went overdrawn twice but the bank each time stacked pending transactions in the most advantageous way to take the most charges possible they do the same thing every time so its not coincidental I told them I feel its fair for me to pay two charges I talked to them and they are not interested I feel this is a predatory behavior and needs to be checked Thank you 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 2022-05-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 an 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 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I discovered a negative mark ( rental history collection in the amount of {$3100.00} ) on my credit score as inaccurate because I satisfied the requests by then XXXX XXXX XXXX. I was asked to provide a 60-day notice ( to be notarized by a state certified individual ) and pay a reletting fee equal to XXXX rent due in order to relocate for work and school. I requested XXXX, leasing agent from XXXX XXXX XXXX XXXX, to confirm the original collections agency the alleged debt was sent to. She confirmed collection was sent to XXXX XXXX XXXX XXXX ( phone number XXXX XXXX ) XX/XX/XXXX. I reached out to XXXX XXXX to verify the information provided to me and a representative confirmed the alleged debt and information related to my file was never received. 

I followed up with XXXX XXXX XXXX ( the reported agency reflected on my report ) to verify they received the collection as reflected on my credit report. I spoke with a representative who alleged the debt was received between XXXX and XXXX of XXXX, no specific date provided. I requested XXXX XXXX XXXX  provide all documents pertaining to my file ( invoice, breakdown of costs/fees incurred, proof of receipt of reletting fee paid, copy of lease agreement and copy of 60-day notice ) via email by XX/XX/XXXX and never received the requested documents. Because of their unresponsiveness and inability to provide the documents needed to dispute the alleged debt to the major credit bureau , I am filing a complaint to the CFPB to mediate the removal of this item from my Transunion credit report in order to accurately reflect my true credit history.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: MD
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:
I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-09-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. The following personal information is incorrect Account Number : Former : XXXX, XXXX 2. The following personal information is incorrect Account Number : Former : XXXX, XXXX 3. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 4. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 5. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 12. there is some inaccurate information reporting. XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 13. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 14. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 15. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 16. The following account is not mine XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
Oh by the way I hope you understand that the FCRA states in the section below

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 2023-02-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear CFPB, I wish to advise you that Wells Fargo Bank has closed my accounts without my knowledge. To my dismay, after 39 years doing banking business, they have ruined my accounts and have created XXXX XXXX frustration and financial penalties due to their Illegal actions. I say they are illegal as the CFPB recently fined Wells Fargo Bank {$3.00} Billion for this exact issue I am dealing with. 
What occurred : I was in a high value arbitration for 21 months. An award was issued to me in this case and a wire was sent to my Wells Fargo Banking account with this money on XX/XX/XXXX. The funds arrived and I began using these funds to catch up on bill payments that needed payment. Everything was fine until the morning of XX/XX/XXXX when I received 3 separate emails from Wells Fargo stating that my account were closing on XX/XX/XXXX. 
Four phone calls on this day bared no answers as to " Why '' my accounts were closed other than they representative at Wells claimed that my finds received were unauthorized. Another phone call on XX/XX/XXXX also was unsuccessful getting answers regarding the closure of my accounts. 
I have since opened accounts with XXXX XXXX  in hopes to get my money out of Wells Fargo Bank due to their illegal, unethical and disturbing actions I have experienced. Their actions have caused XXXX  XXXX  stress, XXXX XXXX  XXXX XXXX and have made me sick. Wells  has been fined but still has not corrected the system that is in place they were fined to fix. I hope that the CFPB can assist me in cleaning up this mess I am in with Wells Fargo to get on with my life. Sincerely, 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
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-02-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to inform you that there are several accounts on my credit report that should not be there. I have attempted to contact the companies and the consumer reporting agencies to investigate this matter, but I have not been successful. 

I would be grateful if you could review this issue and help me in getting the accounts removed from my credit report. Any assistance you can provide would be much appreciated.

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 2021-02-15
Company: XOOM CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Xoom ( XXXX ) On the XXXX of XXXX I sent XXXX dollars to my sterling account and was told a time of XXXX the next day for funds to be delivered. 4 days later I emailed checking on these funds as they had not hit and saw the notice of the system upgrade but was emailed saying they had an issue with their partner. It has now been a week and I have no heard back. 

I tried calling both their XXXX and US helplines and both hung up on me with a pre recorded voice saying there were no operators available to take my call and try again later. 

I am seeing hundreds of people affected they have taken money from my account and have now cost me double in funds because I've had ti make up for delay fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
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:
Just a few days ago I checked my report and I found the accounts and inquiries that are not kind of mine. I do not know them and their origins. How that possible in general that I have somebody else information in my credit report? I would like you to pay attention and check it as I was shocked to see such a terrible picture in my profile. I read about it and I realized that I am just victim of identity theft otherwise I can not understand why I have it. I can not recognize none of them. I kindly ask you to investigate because life is difficult now and I can not make my financial planning anymore and I want you to apply some extra control. Please help me and remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 (  1 ) XXXX  XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX   XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX   XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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 2023-10-04
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2023. There are XXXX hard credit inquiries to my credit report. I did not apply for those ones and they are fraudulent activities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX have XXXX XXXX it to XXXX. I confirmed with the lender that the card was not approved. But I believe there has been some leakage of my critical personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/22 I booked a XXXX ( lodging ) for a non-smoking room using my Capital One credit card. The initial charge was for {$1200.00} ( XXXX Booking XXXX XXXXXXXX ). When I arrived I discovered that the host only had smoking lodging, which was not what we booked/paid for. I did not stay due to health concerns and it not being what we contractually agreed on. The host was supposed to refund us fully but only processed a partial refund. 

I disputed the remaining amount of {$460.00} with Capital One due to this being a billing error by definition of the fair credit billing act re : goods not received as agreed on. XXXX communicated that this was a late cancellation ( it wasn't -- never cancelled, my lodging didn't exist ). Capital One denied my initial claim because " I already received a refund. '' They conducted no due diligence to find out it was only partially refunded and that I did not cancel anything. 

I continued to follow their procedures to dispute the charge with no success. Capital One, in another response, stated that I didn't provide requested information but when looking through their official correspondence there is no such request. I am now told I have tried to dispute it too many times and they will not investigate further. 

I followed all proper methods of disputing a charge for something I did not receive but Capital One refuses to assist. Capital One should refund the remaining amount of {$460.00} for goods not received pursuant to the Fair Credit Billing Act 's definition and requirements regarding billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
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: Account information incorrect

Complaint:
Ive viewing how this account from XXXX XXXX is reporting on Experian. This account has been. Closed since XX/XX/2018 according to first progress. Yet Experian is reporting the account charge offs EVERY MONTH. Can you imagine the damage this has on my score. I may be wrong but as a consumer I thought the bureaus has an obligation to report with accuracy per fcra. Im asking for deletion of account for the inaccurate reporting if they fail to correct this

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 2023-10-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-05-18
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After clearing some debt on my credit report a random debt from " XXXX XXXX XXXX '' shows up from Jefferson Capital System which does not belong to me. I contacted them and they can not give me any useful information on this account. This needs to be removed and Jefferson needs to stop harassing me on false accounts. This is not the first time and at this point I feel like i am being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Just a few days ago I checked my report and I found the accounts and inquiries that are not kind of mine. I do not know them and their origins. How that possible in general that I have somebody else information in my credit report? I would like you to pay attention and check it as I was shocked to see such a terrible picture in my profile. I read about it and I realized that I am just victim of identity theft otherwise I can not understand why I have it. I can not recognize none of them. I kindly ask you to investigate because life is difficult now and I can not make my financial planning anymore and I want you to apply some extra control. Please help me and remove it

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 2022-10-27
Company: EQUIFAX, INC.
State: WI
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:
equafax i have disputed many times XXXXXXXX XXXX XXXX XXXX and i put it in my bankruptcy  also and they still wont remove it

Company response to consumer: Closed with explanation