BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX is reporting an inaccurate collection account on my reports. Each credit bureau is alleging that I owe a balance more than what XXXX XXXX XXXX is alleging I owe which is in violation of the FCRA. If the credit bureaus are getting their information from the same place, how is it that they are reporting inaccurate information? I am requesting that this account is deleted from my reports at the simple fact that the credit bureaus are in violation of my rights as a consumer and the consumer law of reporting inaccurate information which is illegal.

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 2022-01-31
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
Bank of America reported fraud to my report on XXXX a few yrs ago. When I found out last summer XX/XX/XXXX I called BOA and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted XXXX to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with XXXX. So they obviously never investigated nor removed the fraud defamation.
I then reported this here about XXXX and they lied and the complaint was closed. BOA had a collection company call me on XX/XX/XXXX and still has never responded regarding the defamation of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: WV
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:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I keep contacting Chase about my Checking account and spoke to about 35 different Chase employees all contradicting one another. Chase employees have blamed me for actions that took place on the Chase online banking platform. I have clearly been a victim of identity theft. Chase also has made insinuations that maybe my boyfriend or family member has done this to me. On top of all the fraud on my credit and checking account. Chase has the nerve to send countless letters to my home that further contradict what I've either have been told via phone. I don't have online banking so I can onky go by what Chase employees inform me of. I'm putting this complaint just for not being treated respectfully or fairly. I just want answers and I can't seem to get a clear answer regarding when my {$3700.00} will be returned to be that has been stolen from my checking account via Chase online banking, just the trouble I've dealt with from Chase employees deems reason enough to get my money returned not to mention it was Chase online banking platform where the stealing happened. This is identity theft as well as a financial crime because someone besides me accessed my account and stole {$3700.00} of my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$220.00}

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 2022-12-29
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-31
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I can not create an account because it says I already have one, but when I try to recover my login information, it says I don't have an account. I have contacted FedLoans and they could not help me at all. I need an account to qualify for public service loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Specialized loan servicing bought my 2nd mortgage in XXXX of XXXX. XX/XX/XXXX I made my first payment to them after setting up online account and everything was fine. On XX/XX/XXXX I went online to see what my payment amount was and noticed that there were outstanding fees and charges in the amount of XXXX. 
I called on that date to report the error and was given a ticket number ofXXXX, and told it would take until XX/XX/XXXX to investigate. I called again on XX/XX/XXXX and was told that they were still looking into the matter and they were expediting the issue. I asked repeatedly to speak with a supervisor as I am scheduled to close on this property in a matter of a few days. That same day I received from them 2 phone calls not from a supervisor. No one has any information. I offered to send my last payment statement from the previous service to show there were no outstanding fees or charges. I am at a loss as to how to handle this. When I call I get nowhere and I am going to have to pay these fees because I am closing in a matter of days. Any help you can give me is greatly appreciated. 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 2023-12-01
Company: Westlake Services, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
When I purchased a car, the dealer informed me that the installment will be automatically debited on XXXX from my account by Westlake Financial. However, my checking account has not been charged. The lender 's Westlake Financial customer service contacted me on XXXX and I was told that the first payment had to be collected over the phone. So I gave my account number again. And again the first instalment was not charged, as it was explained to me, with next call on XXXX, the account number was written incorrectly, and also the first instalment must be paid by card. And again customer service contact me that they have to cancel instalment payed by card, only has to be made over the phone by checking account. My checking account finally was charged for two instalments on day XXXX. 
In mean time my loan contract was canceled, which nobody notify me. last one consultant, who charged my account already knows, that my contract was cancel, despite this two instalments was charged.

Car dealer contact me and he told me what is exact real situation. Dealer said, that lender sent him a letter on XXXX that my contract is denied. 
So many times I try talk to customer service XXXX, however they are hang up on me. I've sent an email, however lender didn't respond.

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 2023-10-12
Company: EQUIFAX, INC.
State: NH
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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:
I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX .... Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXX Balance : {$33.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: CT
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:
I Sent my letters off on XX/XX/2023, and XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letters I sent out and here is the Tracking # XXXX and # XXXX. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have attached the credit report, showing the inaccuracies. Accounts : XXXX. XXXX XXXX, Account # XXXX XXXX. XXXX, Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX

Company response to consumer: In progress
Consumer complaint received 2018-12-13
Company: JPMORGAN CHASE & CO.
State: CA
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 was charged two {$34.00} overdraft fees from Chase on XX/XX/XXXX, one {$34.00} fee on XX/XX/XXXX, and then an extended overdraft fee of {$15.00} on XX/XX/XXXX. 

Beginning on XX/XX/XXXX there was an available balance of {$34.00} in my account. On XX/XX/XXXX an ACH charge went through for {$47.00}, which brought my account down to XXXX. After this, another ACH charge of {$29.00} went through which then brought my account down further to - {$42.00}. In response, I was hit with the two back to back overdraft fees for {$34.00} each, bringing my account down to - {$110.00}. On XX/XX/XXXX another ACH charge of {$13.00} hit my account bringing it to down to - {$120.00}, which triggered another {$34.00} overdraft fee, bringing my account down to - {$150.00}, before being hit with the extended overdraft fee of {$15.00} on XX/XX/XXXX, bringing my account balance to {$170.00} before I obtained enough funds to cover the negative balance. 

I immediately called Chase, but was informed that I had reached my annual fee reversal limit, and that I could not have these fee 's reversed until XX/XX/XXXX. When I asked if they could simply waive them early due to the severity of the situation they declined. I waited a little while longer to call as I believed I could get a manager on the phone to waive them as I have had done multiple times in the past. However, I was told that this wasn't permitted but that I could try going into a branch to " have them waive it there ''. Why would they tell me to go into a branch instead of doing it themselves.This is an obvious case of " the run-around. '' Chase never called or notified me about my negative account status except by email, which is not checked everyday. I received no call from them or even a letter. Rather, Chase just continued to let this happen so that they could rack up more fees. This is a predatory banking practice that should not be permitted to occur. A policy is a policy, so why am I am being told of possible ways to get around it, only to be told no once more. This only breeds false hope, which is extremely unethical behavior and a waste of my time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-07
Company: Experian Information Solutions 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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-06-24
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Have to keep disputing the matter XXXX XXXX And XXXX it's from Speedy Cash back in 2013 still on my records with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was a credit card open in my name back on XX/XX/XXXX. This was opened fraudulently in my name and identity. and it seemed that whoever opened the credit card was making payments until XX/XX/XXXX. I had reported to the credit card company this was open fraudulently and figured since it was charged off on XX/XX/XXXX this matter was closed. Then I received some calls from some collection companies which seemed to change all the time, but I reported to them all when I got those calls, this was opened fraudulently and was repeatedly ignored and told it was still my problem to pay. Then about a year ago I noticed on my credit report Midland Credit Management that it was for the credit card, I disputed several times on my credit report on this and explained it was a fraud, with each report denied. I recently received papers I was being sued by Midland Credit Management who purchased this debt. on XX/XX/XXXX I went to the court house and filed an answer explaining once again this was a fraud. When I then called them because I needed to send them a copy of my answer and needed the fax number, I spoke with a gentleman and explained everything. He explained that I should go to this website and file a fraud report so that they can get a copy of this report and work on getting this cleared up and hopefully out of my name and off my credit report. So this is why I am sending this now to report this as fraud. I wasn't aware of ever advised by anyone I spoke with until today to report this as fraud and the process and where to go to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX Account # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-28
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account what close with out me knowing about it being close when I call to ask why I was told it's up to them what they can do but I still receive text messages about my account so I switch to XXXX XXXX had the same problem and now I am with XXXX XXXX am iam happy that I join them.

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 2021-01-22
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:
I respectfully suggest that you make investigation because I believe I am a victim of identity theft. I do not know these items ... I will have to refer the matter to my attorney and take immediate legal action. I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. I have been a victim of identity theft fraud. I have no idea of any of these inquiries. Please review this and remove this 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 2018-05-11
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called in XX/XX/XXXX to inquire about a forbearance form. They mailed me a form and I filled it out and mailed it back. I called to follow up upon receiving another months bill ; to which I was told I didnt include the co-signer information ( mind you, no where on any of my bills I receive nor anywhere on the user portal online logging in does it show or demonstrate that these two loans have a co-signer ). So they mail the form again and I fill it out again, this time including my co-signers information. I follow up on XX/XX/XXXX and was then told that they had me fill out the wrong forbearance form. I attempted to inquire about this issue and was given the runaround. What forbearance form did I fill out? What one was I supposed to receive? The forms were mailed directly to me by AES so how could they get this wrong twice? They tell me they will mail me the correct form and it is now XX/XX/XXXX and I have yet to receive the new form so I called again today and they had no clue about why I didnt get it. Well now its coming up on 60 days without payment because the forbearance was supposed to have started on XX/XX/XXXX whe. They received the form the first time I filled it out. Please help get this company to do right!! This is so wrong that I keep getting the runaround and have to re-do things

Company response to consumer: Closed with explanation