BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: NV
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.

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 2018-02-15
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted Wells Fargo Financial about a joint account that showed up on my credit report. I have never had a joint account and they could not tell me where this item came from. The charge/off of this account by Wells Fargo Financial has had negative impact on my credit rating.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: FL
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:
After reviewing my credit profile I identified a discrepancy with several accounts. On XX/XX/23 I wrote to Experian credit bureau about my credit profile reporting regarding the inaccurate information, which came back as validated as accurate and updated method of validation on these account as accurate when it's not. In which, I also sent a copy of my recent valid drivers license showing my correct physical address where I current reside with the letter of correct spelling of my name and current address. According to the 15 USC 1681 law all information must be reporting accuracy in which they fail to do so

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 2018-02-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I got an e-mail from American express on XX/XX/XXXX inviting me to apply for XXXX XXXX XXXX credit card and get XXXX XXXX miles welcome bonus if I spend {$1000.00} or more within 3 months. I got the card approved. I activated the card and checked about the bonus. I was told I will not get the promised XXXX mile bonus even if I spend over {$1000.00} within 3 months as I had gotten a similar bonus previously during XX/XX/XXXX. 
I read the e-mail and all conditions for the XXXX mile bonus. No where it says that those people who had previously gotten bonus are not eligible. I talked to American express customer service rep. She said that it is the company policy even if it does not state anywhere to the customer. This means American express knew that I will not get the welcome bonus and still sent me an e-mail promising the XXXX miles bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 2022-06-20
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bank with Wells Fargo Bank, in XXXX XXXX, SD. Last week, they had Cancelled my Debit Card, WITHOUT my knowledge because they said that I had filed a Fraud Claim & that I, myself, had Requested that they Cancel my Card. They said that they have sent me a New Card, but I still haven't received it. I did NOT request them to Cancel my Card & I did NOT file a Fraud Claim. Someone also said that I was Told that my Card would be Cancelled. That's also not true because I filed the Claims online, not on the phone.

* Today, I went into my Account & Checked out how my Disputes are handled. Most of them said " Closed '', but they did Not say whether or not my money was Refunded... they just said Closed. I called & asked what CLOSED meant. XXXX said CLOSED meant that the Charge was Valid & that they did not Refund my money. Now, I Have had Charges that they Refunded in the pass, but I also noticed that it was quite a while ago.

* My issue is they Do Not tell you what the Results of their Investigation are. The Disputes just say " CLOSED ''. By Not telling me what CLOSED means, I don't know their reason for not refunding my money ... nor do I have an option to agree or disagree with their decision. 

* I checked out my most recent Dispute and found that they had Combined 3 different Disputes in to One. There were actually Two Claims. One was for {$12.00} thru XXXX to a Company called XXXX, I Cancelled that {$12.00} Dispute because I realized that I HAD made that purchase. 

* However, there were 2 other Charges for {$6.00} each made by XXXX, that did Not go thru XXXX. I Disputed those 2 charges. I called & talked to XXXX & asked why they cancelled my Debit Card. He said they Cancelled my Card because I had filed a Fraud Claim & that they automatically Cancel the Card when a Fraud Claim is made. I said I did NOT file a Fraud Claim. I filed a DISPUTE Claim. I Disputed the 2 {$6.00} charges because I didn't Approve or Authorized those Charges. He insisted that Filing a Dispute Claim is the Same a filing a Fraud Claim. I thought, so why don't they just call it a Fraud Claim instead of a Dispute Claim. I asked him his Last name & he hung up on me.

* Now, I'm Afraid to filed a Dispute because if I do, they will cancel my Card. What a wonderful way to keep people from filing a Dispute. If they File, they will lose their Debit Card without any Notice. Still waiting for my Replacement Card.

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 2021-02-03
Company: The Outsource Group, Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MediCredit represents XXXX XXXX Hospital, they have reported a 2009 dollar debt on my credit report that does not belong to me. I have disputed this debt. They have not proven that this debt belongs to me and they continue to damage my credit with it. They take accounts and resell them to debt collectors or the debt collectors change their names and continue to harass citizens for money that they do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: GA
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$1000.00}

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 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I closed my capital one XXXX credit card on XX/XX/XXXX following the death of my husband who I jointly held this card with. I called the rewards division to cash out my XXXX rewards points balance which amounted to a check for {$190.00}. I spoke to multiple people at CapitalOne for over two hours to accomplish this task until finally XXXX at capital one customer service assured me he would send the check regular mail and it would arrive within 7-10 business days. I gave them my mailing address and confirmed all contact info. When the check didn't arrive, I called the same division and spoke to XXXX in XXXX AZ on XX/XX/XXXX. He was confused why I didn't get the check but said he would arrange to have it resent. He said he would submit it for 'reissue today ' and someone from Capital One would call within 5 days to confirm it was resent. The check didn't arrive. I called back on XXXX spoke to XXXX XXXX XXXX XXXX AZ XXXX After much confusion, he told me that he was 'chatting ' to XX/XX/XXXX- this is the division that looks into check issuances for rewards redemptions. I was told customer can't speak directly to the XXXX staff, it has to be only via customer service at Cap One. He said, XXXX indicated the check had been cashed at a bank on XX/XX/XXXX. The check had not been deposited but simply cashed with NO verification of payee. I did not ever receive or cash this check. I asked for it to be reissued and mailed to an alternative address for a family member so if mail theft had occurred, it would not happen again. He agreed. He said, as it was fraudulently cashed it would be reissued and sent to the new address I gave him. He said someone from Cap One would call me on my cell number within 5 business days to confirm the check was mailed. No one called. I called back on XX/XX/XXXX. First I spoke to XXXX, she was unable to help me after trying to get an answer on the status of my check from XXXX. Then I implored her to escalate this matter to a supervisor, she then, after 90 mins sent me to XXXX. XXXX was a horrible person who told me 'Capital one can't help you. The check was cashed and all we can do is send a copy of hte check to you to see where it was cashed ''. In other words, he told me Capital One doesn't have a policy of reissuing this kind of check when fraud has occurred. He falsely told me the onus was on me to try to figure out who committed the fraudulent check cashing to try to get my money from the bank that failed to conduct the payee verification. That is absolutely false information. I am angry that they refuse to file a claim for that money with the bank that. It is also wrong that they are refusing to pay me- the rightful owner of these funds. They have RECOURSE. I DO NOT! This money belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so these items should be deleted properly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this entire ordeal has caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-02-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have successfully completed the trial payments during the FHA loan modification, this is post bankruptcy modification. I successfully submitted my notorized documents, all were verified. My payments have been consistent & not late. The company is failing to disclose the exact details on a ledger of where the funds were derived & where the funds are going as payment. The dates of a ledger do not match up to the dates of insurance or taxes. The dates even demonstrate duplicate transactions without any plus or minus in the columns or with a balance to figure or calculate. I was recently billed additional amount that was not listed in the documents signed prior to modification or in the execution of the new claim or mortgage. This fee fails to carry any invoice to disclose its nature or reason. That is a consumer violation also. My executed documents have not been delivered to my address. The agreement contract allows me the owner to have copies of the filed documents. The XXXX County recorder stated Carrington submitted electronic filing XX/XX/2020 but I the homeowner do not have the promised copies to this executed modification. Please look into this matter. It is also a consumer law violation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Block, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I tried to order me a cash app card and I'm unable to because the company says I violated terms of service but didn't disclose the terms violated. They closed my account and I'm not able to open another account with them. I think this is very shady for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I logged into the Navient site and scheduled a payment of {$300.00} through their make a payment tab. The payment was later marked reversed on my list of transactions on Navient 's site. 

Today, XX/XX/XXXX, I was told by a representative of Navient that the XX/XX/XXXX payment was refused ( by my bank ) for " various reasons. '' I had checked with my bank on XX/XX/XXXX and they never received the XX/XX/XXXX request for payment from Navient. They have no record of it in my account, said the XXXX  XXXX XXXX representative. 

On XX/XX/XXXX, I set up an automatic payment from my checking account of {$500.00} through XXXX  XXXX XXXX XXXX automatic bill pay to Navient. I did this through XXXX. Today, this payment shows on the XXXX  XXXX XXXX site as having cleared, but then the XXXX XXXX XXXX representative looked closer and told me Navient had refused this XX/XX/XXXX payment on XX/XX/XXXX. 

On XX/XX/XXXX I spoke to a Navient representative on the phone who told me he would put in a ticket and look into my payments, which had not shown up in my Navient transactions online. 
When I talked to another representative from Navient on XX/XX/XXXX, I was told that " ticket '' was " double escalated '' but that I could not talk to the employee at Navient to whom it had been handed off. 

On XX/XX/XXXX I logged in to Navients site and set up a single payment to Navient from my XXXX  XXXX XXXX Checking account of {$10000.00}. 

On XX/XX/XXXX I checked the transactions on Navients site and saw that that {$10000.00} payment is listed as refused. 

On XX/XX/XXXX I called Navient and was told that if my payment of {$10000.00} went through, it wouldnt show on my transactions because it would be sent directly to the Department of Education and then, on some future date, be taken off of my loan amount without any transaction showing on the Navient site. It would be as if I never borrowed that amount. This same representative told me Navient is part of the Department of Education. I researched this claim online and found that Navient is a private institution and not part of the government. 

In summary, I have been trying to pay off my loan from Navient electronically in various ways. None of my attempted payments, either done through Navient 's site or XXXX  XXXX XXXX XXXX Bill Pay app has gone through. To date, no Navient representative that I spoke to on the phone has double-checked my XXXX XXXX XXXX account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is failing to update their records on my credit file. I disputed inaccurate information which was listed by Bank of America ( BofA ). BofA claimed I was 30 days past due XX/XX/21. I contacted the furnisher & they informed me this was an internal error on BofA 's side & I was never late during that time. BofA informed me they had notified all credit reporting agencies to update their records showing the account was open/never late. I disputed the erroneous information with XXXX and they have failed to update their records or provide me with verifiable proof I was late on XX/XX/21 in their report. I'd like XXXX to be held accountable for complying with FCRA sections 611. I'd also like XXXX to be held account for the negligence and willful noncompliance which relate to FCRA section 616 and 617. Please see the account listed below is updated to reflect the correct status. open/never late. Bank of America # 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 2021-11-30
Company: LEXISNEXIS
State: VT
Product: Credit reporting, credit repair services, 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:
Lexis Nexis is reporting that I filed XXXX claims with my insurance carrier between XXXX of 2018 and XXXX of 2018 ( a three-month window ). This information is false, inaccurate, and damaging, and has prevented me from being able to shop various insurance carriers to get competing rates for homeowners coverage. 

I attempted to reach a Lexis Nexis representative yesterday and today. I have navigated through numerous automated prompts and wasted significant time only to be unable to reach any live person or receive any information relevant to my current issue. I also emailed Lexis Nexis but the address to which I sent my inquiry does not appear relevant to the dispute at hand. 

The erroneous report should be corrected immediately.

Company response to consumer: Closed with explanation