BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: KY
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU 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 2023-12-12
Company: Experian Information Solutions Inc.
State: KY
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The information provided for these accounts is insufficient for proper validation. I am requesting that you promptly remove these items from my credit report, as they do not meet the necessary criteria for accurate reporting. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. I expect your thorough investigation into these matters and request confirmation of the removal of these accounts from my credit report. Kindly provide any supporting documentation used to validate these debts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2023, I received a letter from Bank of America informing me that it has decided to close my A/c # XXXX, after more than 14 years of mutual business and on time payments. The letter stated : '' After a review of your account, we determined your risk profile no longer aligns with our risk tolerance ... ''. I attempted to contact B & A via phone, emails and registered mail trying to fine out the reason for their decision, but they responded that they do NOT have to tell me the reason. I've accumulated over XXXX in cash rewards balance on previous transactions using this account, which would be converted into an actual cash. I wrote them a registered mail letter making the following requests : XXXX ) credit my account with the two charges from XXXX which add up to almost over {$220.00} ( I've received emails from XXXX advising me that they have credited my account ) ; XXXX ) Re-instate my reward points and convert them to cash value towards my current balance. Then, I'll be willing to pay any outstand balance that was sent by XXXX to my account, which makes the reported information INACCURATE! It's a travesty when a financial institution acts like a COWBOY without any regards to ethical and integrity standards!

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 2024-02-04
Company: Experian Information Solutions Inc.
State: NJ
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've sent correspondence to this company and complaints to try and get this resolved. 
I don't want my Transactions published on my consumer 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 2024-01-10
Company: National Finance Company, Inc.
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Last week, we got papers saying we have a court date on XX/XX/XXXX from National Finance Company. They have known everything thats going on. For 4 years we have been GREAT payers. We havent paid XXXX payment each, probably now XXXX since the dispute started. But since the court papers were sent they have been harassing us. Badly. Letters every day in the mail, phone calls several times a day.. i have been in CONSTANT contact with them about payments. Even tried to make a pay arrangement that they refused. We found out theyre trying to say we owe {$3000.00} a piece we only borrowed {$1500.00} ( me ) and my husband {$2000.00}. This was XXXX YEARS AGO. Since then, we have been paying XXXX $ or more in monthly payments for 4 years HOW isnt it paid off?! They get you to refinance the loan and pressure you to do the online signature in XXXX to XXXX mins, or else it wont refinance. But its not refinancing. When you do this the payments go up up up and ill tell ya why. Instead of actual refinance, they open ANOTHER LOAN in your name to pay the entirety of the previous loan PLUS whatever was leftover to pay!!!!! Its fraud!!! Misrepresentation!! Harassment!!! Extortion!!! And they use fear tactics like theyre going to take the property listed, shovels, hammers, drills. They can not legally take property GET THEM TO STOP AND FIX THIS! This company is a sham! They say they only have a 30 % interest % XXXX of XXXX is not XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02
Company: WSFS FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX, I received a notice from my credit monitoring software that my score had gone down from the XXXX range to XXXX range. Upon investigation, I found that WSFS Bank reported to all three credit bureaus that our XX/XX/XXXX payment was over 30 days late, when according to their own website ( attached ), and confirmation email ( attached ), the payment was confirmed on XX/XX/XXXX. After a brief discussion with officials at WSFS Bank, I decided to simply file a dispute with all three credit bureaus. After a week or so, all 3 credit bureaus reported the WSFS records were " accurate '' ( according to WSFS ), even though I attached the same confirmation documents as I am attaching here. The bureaus said their " hands are tied '', so I went back to WSFS and spoke with a " Manager '' name XXXX. She confirmed that the transaction was completed on XX/XX/XXXX, but informed me that the bank would not adjust the payment date according to the actual confirmation date because " they don't process payments on the weekend ''. We are at the mercy of their processing, if you make a payment at the end of the month, and basically they will report you past 30 days to the credit bureaus even though 30 calendar days has not past. Under FCRA, " if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. '' Obviously, this bank does not care that their own internal policies are not only creating conflicting/inaccurate information, but also unfair, and goes against the very nature of the FCRA to protect consumers from banks and the bureaus doing whatever they want.

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 2023-12-04
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX I called American Express to inquire about them removing a late fee that was wrongfully applied to my account. I went through their chat feature and they kept dropping me so I called them on the phone and spoke with XXXX at XXXX. I asked him the same question about why the late fee was put on there in the first place, and would he do a one time removal of the late fee. He put the request into the system and came back and said no Im sorry XXXX XXXX it cant be removed. I asked to speak to a supervisor and he put me on hold, then came back after roughly 8 minutes and said a supervisor will call me within the next 24 hours, I was charged {$55.00} for my Internet on the XXXX of XXXX. American Express charged a {$29.00} late fee on the XXXX of XXXX and my payment that I made on the XXXX through my Bank did not post to them until the XXXX of XXXX. I pay my card off each month in full. American Express is wrongfully, charging people, late fees and wont remove them, because they are being dishonest and disgraceful just like they were when they were fined back in XXXX  for similar infractions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
The date of the incident was XX/XX/XXXX I got a call on XX/XX/XXXX from the fraud detection dept of my bank wells fargo, in regards to two transactions made on two of my accounts, one was joint checking account with my husband, which we took me out of the joint account for this was something that we were going to do anyway, for I have my own cheching account, which is the second account the got an incident. Someone from LA went to wells fargo there and made a cashier 's check with my info, and before that he/she accessed ny online banking and transferred money from the joint account ( previousley ) to my personal checking, how were that/those people able to get a cashier 's check without their identity verified by the teller/manager of the wells fargo bank in LA. How did that/those people get the cashier 's check so easily that they could have taken cash as well from the account without being verified, unless/could be that it was set it with the teller of the bank or miss checking and verifying from the teller/manager, and yesterday even after we went to the bank and closed the accounts and got new accounts numbers, the people has made many attempts on XX/XX/XXXX XX/XX/XXXX to pull more money out of the accounts, for we were notified by the bank the next day in regards to this major fraud and identity theft incident. The bank gave no info other than where it happend, which in LA and for what the cashier 's check was made for, which was for rent, but the bank gave us no info of which bank and time of incident or the name of teller or the name of the manager or the name of the entity that got the payment. We really need help. This have never hapoened with us or anyone we know before. We are very worried, anxieted and scared that they might do thar over and over with us or other people. We need our money back, the bank returned to us the online transfers back, but they told us the cashier 's check money should be back, the did not guarrenty it for us. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: OH
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 had lost my wallet in XXXX everything was in there my social my identification card medical card everything and XXXX or XXXX when banks just started to open outta nowhere and large amounts of money will be In the accounts then the accounts will go back to negative and I dont have no clue how they got there and its messing with me as a adult because I cant open a bank account please help me XXXX XXXX XXXX XXXX XXXXXXXX XXXX first common those are all the banks I seen that was opened up in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: JPMORGAN CHASE & CO.
State: IL
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:
My checking account and or other information was accired by someone else who charged my card for nearly {$2500.00}. Chase fraud department had called me and talked with me and were sending me emails through chase banking, and was able to send notifications through the chase app, but it was not chase fraud department. I have not lost any of my personal information ever, and the purchases were in XXXX IL, a city I have never been too in my life. Chase bank has not helped me at all in the time I had a claim with them but they haven't told me anything prior or after they finalized my claim saying I authorized multiple purchases. Also upon seeing the charges taken from my account I have first called back the actual chase fraud department in which their claim started the funds were only taken out of my account an hour or 2 before the call, I was at a jobsite in XXXX XXXX IL. I need to make sure that chase bank hasn't leaked my information or if someone within chase staff did this themselves. I will also send files and documentation when I'm certain no one else will try to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: SC
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 AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: NY
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:
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 corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$250.00} ; XXXX  XXXX Balance : {$260.00}.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-30
Company: E-Backgroundchecks.com, Inc.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent an email to XXXX asking to execute my rights under the FCRA and Utah Privacy law to understand what data they have on me. Their process was to email me back from noreply@hireright.com asking me to submit photo copies of my license and passport as well as give them my entire SSN. I understand validating who I am by asking for information and maybe a bill or statement that shows my current address, but they want me to give them the most sensitive information on me in order to see if they have information on me? Their process is deceptive and unacceptable. This puts consumers at additional risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Multiple times my auto draft payment has been taken out of my account days earlier than the scheduled draft date causing my personal account to overdraft due to insufficient funds. I have screen shots of this as well as bank statements that show this. In addition they pre-date these drafts so the record of it on the bank statement shows the correct draft date even though they took the funds two days prior. When I contacted them multiple times I was told its because draft date is on the weekend and not a business day. Todays proof is irrefutable because todays date as I file this is Saturday XX/XX/XXXX  and my auto draft payment is supposed to come out Monday XX/XX/24 but has already been withdrawn today causing me an overdraft and showing in my account as a transaction date of Monday XX/XX/24.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit has been run multiple time by unauthorized companies that I don't have no relationship with. 5 times on the same date which XX/XX/2023 ( XXXX XXXX XXXX XXXX Santander consumer )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: DISCOVER BANK
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A charge-off was reported at the beginning of XXXX. The balance of said charge-off is reporting as current and has increased my credit card utilization in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I inherited my grandparents house. I pay a 1st mortgage on the house which has never been behind. However a 2nd mortgage has come up that was not paid on and that company is saying that they will foreclose on me if I dont sign papers and take responsibility for that loan. Im in need of help on how to go about this problem as they are not working with me.

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