BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I went to the XXXX  XXXX XXXX in 2010. At the time the proffessor failed to enter my grade into the system and I was notified that I had a balance due because dropping the class meant I was now a part time student not full-time student so Financial Aid was refunded. I went to my financial advisor XXXX and explained that was incorrect. I never withdrew from the class. As a matter of fact I A'ed it. I went back to the proffessor, he said he's correct the error and brought proof to my financial advisor XXXX. At the time I explained that I will not be returning to school due to the fact that I was going through a XXXX, XXXX, sXXXX XXXX XXXX XXXX and didnt want to mess up my GPA XXXX He said no problem. However, for me not to be responsible for the funds they returned to Fianacial Aid, he's going to have to put me in classes, apply for the funds from Financial Aid to get the class they mistakenly send the money back for covered, then he'd withdraw me from all the classes and I'll be OK. I specifically told him I don't want this to effect me in any way or have issues. It didnt sound right. He said not to worry, I'll be fine. Of course, as a student, you'd think I could entrust in my financial advisor. Once I saw it on my Credit Report, I immediately starting trying to resolve this issue with the school through phone calls and emails. I just kept getting transferred. Then I tried disputing it with the credit beureaus, they would come off and reappear as something new because the accounts keep getting sold. I contacted XXXX XXXXXXXX XXXX last week to find about my transcripts which still shows as me dropping the class. i never noticed before due to the fact I never requested them till now. I explained everything to them and they didnt want to hear anything. they said I waited too long. I told them I complained immediately when everything happened and was told it was resolved. now I see it hasnt. I asked to speak to the proffessor or my advisor, they said the campus closed so I cant do anything. I don't know where else to turn. It is frustrating being responsible for something they made an error on, and fraud just to get paid and still didnt give me my credit for a class I took which was difficult for me to get through. The accounts are currently showing under US DEPT OF EDXXXX {$9700.00} XXXX XXXX and the other is {$7300.00}. 
They need to remove this off my credit. It is not valid. I also have a letter clearing my debt.

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 2023-10-29
Company: CL Holdings LLC
State: FL
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
My name is XXXX XXXX. I have a problem with a collection agency called Jefferson capital system that is reporting I owe them a debt for XXXX dollars however, I have tried multiple times to have them send me the actual contract agreement that I signed that I owe a debt to them in that amount and they have not been able to provide that, I also mention to remove it from all 3 credit bureaus since they cant provide that contract and no success as a active member of the military I feel this wrong and I need it fixed please hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: IL
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:
This is a general complain about XXXX, XXXX and Experian. As a consumer you can't contest your credit score, but those agencies do whatever they pleased to do. 
It takes years to fix your credit score, you pay off your debts slowly but surely and your credit score goes up 1 or 2 points a month sometimes not at all. 

A bit over 3 years ago my debt ratio was high over 50 % and scores were between XXXX, now 3 years later I got it down to 38 %. earning few points, a month and depending on agency and score they use I got XXXX or more. 

Recently I did a balance transfer from credit card and paid off 2 cards with high interest and the XXXX broke loose. That was supposed to help me right, only few days after my reported scores went down by XXXX points, I worked for over 3 years. How is this acceptable? I saw it on couple reports and assume more will follow. It was a transfer not taking extra debt. My score went to what it was at over 50 % debt ratios. How that works, It was a transfer again. Can someone explain why credit reporting agencies are allowed to do whatever they wish, no rules. Like you get these many points for this activity, that many for this or specific number taken away. Even when checking credit crazy high amount of points were taken away a year worth of it. Agencies will tell you you can't dispute credit score, but this is unethical practice. If Consumer Financial Protection Bureau ( CFPB ) can address that that would be great. There has to be the way to regulate credit bureaus. Thank you in advance.

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 2022-12-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-23
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
I received the credit inquiry alert today XX/XX/2022 that Discover Financial Services pulled my credit, I called them and they said they never put any inquiry on my credit file but inquiry is still showing posted on XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: CITIBANK, N.A.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/20 and XX/XX/20 I was charged {$3800.00}. I never received or cashed any checks nor did I deposit or use this money. I had sent my bank statements and tried to previously resolve this. Additionally I put through a fraud claim with Citi card. I was also receiving charges from California and foreign charges as well. I would like this account to be taken off my credit report. And I dont mind paying whatever actual balance would be remaining. Not only did Citi bank not investigate the claims but they continued to ignore my claims and complaints and did nothing to protect my account from random charges and have know put all of their fees, fraudulent charges accrued and balance of over {$10000.00} dollars as a collection for money owed to them on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX or XXXX I noticed 3 fraudulent un-authorized XXXX charges on my credit card. I promptly notified Chase of these charges ( same day as when I noticed them ) and was issued a new card and provisional credit. 

I explained to Chase that I don't ever use that specific card for XXXX purchases ( use a different Chase card for that ) that I didn't recognized the merchant were the purchases were made and did not make any XXXX purchases during that time period. I was assured that the charges would be properly investigated and I would not be responsible for any fraudulent charges ( Chase 's Zero Liability Guarantee ). I have not heard back from Chase since then until I noticed that the original charges were reversed and posted back to my account on XX/XX/25. 

As per Fair Credit Billing Act and FTC I was never provided with a written notice of reversal or an explanation of why/how it was determined that I was responsible. 

" If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money '' After contacting Chase to get a further explanation ( 3 different times. 1st agent hung up on me ) I was told that a determination was made based on the fact that in the past I've used XXXX on my other credit card account. After requesting a copy of the report and proof of evidence use to make that determination I was told there wasn't any share. The second agent told me that they contacted XXXX and were still waiting to hear back, yet, somehow still determined that I was responsible for the charges without ever receiving anything from the merchant. 

As per Fair Credit Billing Act Chase failed to conduct a proper and fair investigation. Failed/refused to gather any evidence and decided to close the case based on a hunch ( a probably a desire not to spend any time and money to properly investigate it ). Chase failed to note that the restaurants where the transactions were incurred were thousands of miles away from me, did not request any info from XXXX, failed to note that I have never used that card in the past to make XXXX purchases and refused to share the document proving the charges were authorized. 

It is pretty evident that this was done for the sole purposes of cutting cost. No proper investigation was ever conducted ( if any ). The merchant was never contacted. They failed to prove that those transactions were legitimate or authorized and yet as a consumer they made me responsible for those fraudulent charges. This a clear violation of consumer rights as well as company 's claim of Zero Liability Protection. I have a feeling I am not the first person this was done to and won't be the last.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. However, its been XXXX days and the credit bureau has failed to send my investigation back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violate d 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 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 or 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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX made a fraud charge to my account when I discovered it. When I spoke with customer service, they stated they could only adjust one because that was her limit. So she transferred me to her supervisor, who could fix the remaining fees. So when I spoke to the supervisor, she said she could not credit the other 9 fees because the charge was in dispute now, and the dispute department would credit them. So she transferred me to that department, and they had a 40 min  wait time, so I waited. After waiting for one ( 1 ) hour and 30 minutes later, the bank dropped me because they said the department had closed. I called back the following week asking for a resolution, and more fees were hitting my account from ACH-predated drafts. They told me again to wait until the dispute was resolved. 

I did my part and felt they were fraudulently trying to overdraft my account. I reported the unauthorized charge and the overdrafts. Chase bank refused to credit my account for all the overdraft fees that occurred since I reported the fraudulent charge from XXXX to the present. Know that my account was charged for a service that I didnt authorize, it is a fraud charge. I have escalated this matter to the executive office, and they will not credit the overdraft fees. My account has been high-jacked by Chase, and I have credit obligations to pay for with this account. I expressed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that my account has been in limbo because they are investigating this issue, and as a result, more fees are compounding. I refused to pay for any overdraft fees on this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I make an auto pay from Wells Fargo Bill Pay recurring monthly. The money is taken from my account and documented, but Wells Fargo Mortgage N.A. says they did not receive payment. Call me daily asking for payment. applied late fees, lowered my credit score, and harras me. Wells Fargo mortgage said they are working on it but nothing is resolved. This is since XX/XX/22. This is my second complaint. 

I went to the local Wells Fargo branch and demanded a resolution or I was going to the authorities. 

To whom should I reach out in law enforcement and can you help me find a resolution?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 2023-05-02
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-10
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 am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-23
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 according with the Fair Credit Reporting act XXXX, Account name- XXXXXXXX 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.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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 according with the Fair Credit Reporting act XXXX, Account name- XXXXXXXX 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.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation