BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/XXXX -- Disputed a Public Record item appearing within my credit file with Experian as a result of the company 's Violations of Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681 ) reporting requirements but also Violation of FCRA 623 ( b ) ( 1 ) which states : FCRA 623 ( b ) ( 1 ), credit reporting agencies or furnisher of information being reported which turns out to be inaccurate, incomplete, or cant be verified, must be permanently deleted. *** As per Section 609, I am entitled to see the original furnisher or source of the information and in this case the original furnishers is/are : the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The original furnisher ( XXXX ), tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, do not report to any credit reporting agencies to include XXXX, Experian, XXXX, or XXXX. Neither does the Court report to any third-party credit reporting agency furnishers or reseller of information. This rule applies to All US Courts therefore any statements alluding to XXXX stating the information being reported within my credit file with their company as verified and accurate is an error or a lie. Either way XXXX reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and 623 ( b ) ( 1 ) therefore the information must be deleted immediately. 

XXXX webpage also blocks at the discretion of Experian, consumers from uploading pertinent documentation to support disputes; tried multiples times with most attempts yielding a timed out or unable to process error message. This webpage would not allow me to upload dispute additional supporting documentation ( FCRA Dispute Letter Dated XXXX XX/XX/XXXX and Letter From The Court ) as stated by the Experian XXXX during a phone call on XX/XX/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 2020-08-04
Company: U.S. BANCORP
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Eight weeks from the writing of this letter my husband and I began the process to request a corrected discharge of our home mortgage with US Bank # XXXX which was paid off in XX/XX/XXXX. The title company is refusing to close over the error despite us showing evidence of it being paid years ago. In contacting customer service multiple times over that period we were finally provided two email address to use to try and resolve the issue : XXXX ; XXXX We got a response from XXXX on XX/XX/XXXX and after several days of research they told us they could not help us on XX/XX/XXXX. They then forwarded that email to the " Non-Purged '' address and we have yet to hear despite the claim that they would get back to us within two weeks. I've sent two follow up requests to the Non-Purged box with the same results. 
This experience has been incredibly frustrating and could end up in injury to our personal finances as it is jeopardizing the sale of the property. We have had to convince the buyer to now extend twice. We do not know if we can convince them a third time. We have also filed a compliant with the office of the CEO over a week ago and have hear nothing. 

Please help us resolve this matter immediately. We need to sell this property. 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 non-monetary relief
Consumer complaint received 2023-07-19
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2023 and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX, I wrote to the bureaus providing my personal information. However, no corrections were made.

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 2021-05-12
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
They rearrange transactions to charge fees. I had a deposit entering the account they rearranged transactions to charge me not one but 4 fees when the deposit that hit the same day would have covered them all and left me with a positive balance. They have done this multiple times but this is getting ridiculous and its every since bbt took over. I have my card locked and they will let stuff go XXXX if even if its locked.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Inquires I did not authorize. 

TRANSUNION : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX : XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX : XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 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 2023-04-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2XXXX I used the Chase ATM on the street. On XXXX XXXX XXXX XXXX XXXX XXXX, the phone showed Chase Bank, called me and claimed that an unauthorized transaction happened. The woman on the phone said she was the staff of Chase Bank and had all my information ( including address, account number, etc ). She said she is trying to help me. Then at XXXX, there are three ATM transactions happened. I called Chase Bank fraud apartment immediately. Chase Bank gave me temporary credit and began the investigation. On XX/XX/XXXX Chase Bank closed the investigation and believe that the transactions were correctly processed and authorized. They will remove the temporary credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2023-11-09
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Tried to access my checking account to pay a bill and got a notice of verification code sent to a new phone number XXXX ( not mine ) Had to get account locked and was told to report to FTC.

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 2023-08-18
Company: Experian Information Solutions 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:
My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a father that was a veteran and he was waiting on his check from back pay from years ago not being compensated for something or another but anyways I inherited the sum of the money from the life insurance policy so I had an account they opened up and they gave me a debit card and a XXXX dollar credit card and I ended up getting setup in a motel in XXXX GA and I was completely robbed by them they closed my accounts and they never gave me XXXX the back pay that I was supposed to receive I never received all of the money I spent some on couple of laptops and musical instruments and when I was setup by the police they took all physical possessions and kept them and the bank 's and who ever I was doing business with they took the fund 's and my credit card and maxed out everything and never received any of the money left out I lost a total of {$17000.00} dollars and I would like my stuff back and the credit card and the money all of it I want it back please I'm begging of you to help me cause I was treated like a severe criminal and I was sentence improperly and I was setup to boot and I lost 8 years of my life now and I would really like the opportunity to talk with you about this I have a XXXX XXXX XXXX and I don't miss a beat please help me and I will help 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 2021-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a bill of {$2300.00} issued to be by bilt mastercard ( wells fargo ). I paid {$2300.00} but forgot the remaining {$30.00}. When I received my bill on XXXX that remaining value was charged {$22.00} in interest. I don't understand why this is when my APR is 25.49 %. 
I called the customer service line of wells fargo to fight the charge but they told me that the XXXX is charged daily, 24.49 % every day. I told them it's an annual charge not a daily charge and this has never been advertised to me as a daily charge because the name itself implies annual. 

I think this is predatory and they're misleading customers to gain profit.

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 monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second 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 items. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Balance Owed : {$2500.00}, MXXXX XXXX Balance Owed : {$880.00}

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 2023-11-08
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My care was repossessed in XX/XX/2017 and sold for {$2500.00}. I was harassed had wages garnished and my debt resold after the 7-year period. It is still on credit, but credit bureaus are lying saying that it isn't.

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 that states ; I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ).

It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.

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 2023-04-06
Company: Reliant Capital Solutions, LLC
State: NM
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Reliant Capital has called my family members in search of me. I was contacted by my brother today at XXXX XXXX  about them calling him. I have attempted contact and have not heard back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
Since XX/XX/XXXX thru XX/XX/XXXX, Navient has charged high interest rates despite the FEDERAL GOVERNMENT INTEREST RATES having decreased. I have documents for this time frame only, but I am also requesting that your office investigate for year XX/XX/XXXX and prior years. ( See attachments ) In XX/XX/XXXX, I contacted XXXX XXXX XXXX regarding their home equity loans. They provided with the following interest rates from XX/XX/XXXX thru XX/XX/XXXX. During this time frames the federal government interest rates dropped but Navient rates remained the same or increased. XXXX XXXX rates- XX/XX/XXXX thru XX/XX/XXXX- 4.5 % ; XX/XX/XXXX thru XX/XX/XXXX-4.75 % ; XX/XX/XXXX thru XX/XX/XXXX-5 % ; XX/XX/XXXX thru XX/XX/XXXX - 5.5 % ; XX/XX/XXXX- 5.25 %. Navient rates are WELL ABOVE the REDUCED FEDERAL GOVERNMENT RATES.

On XX/XX/XXXX, I called XXXX ( Navient employee- # XXXX ) and inquired why the interest rate was so high and higher than the federal government reduced rates due to economy. She said it was because they use the LIBOR formula for interest rates. I advised her their rates appear to be fraudulent and not in-compliance to reduced federal interest rates.

Also Navient has charged extremely high interest rates despite the REDUCED PRINCIPAL BALANCE-. EXAMPLE- XX/XX/XXXX statement- Unpaid principle- {$1000.00} with interest rate of 7.75 % ; XX/XX/XXXX-statement- Unpaid principle- {$970.00} with interest rate of 7.875 % ( see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
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 REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT 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 2022-07-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Us Dept of EdXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2020-08-04
Company: WESBANCO BANK, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Booked vacation through XXXX on XX/XX/XXXX using delayed payments. First Payment was {$190.00} on XX/XX/XXXX Followed by Payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. & XX/XX/XXXX for {$310.00}. Used XXXX  debit card to make payments. On XX/XX/XXXX received provisional credit for payment made on XX/XX/XXXX for XXXX. On XX/XX/XXXX filed complaint to bank for goods or services not rendered. My trip was booked for XX/XX/XXXX. Bank tells me past 60 days denying my claim. My understanding is XXXX has 120 day time limit from time of service date Out {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX account number XXXX XXXX has violated my rights. 

Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions or consent of the consumer ( myself ). 

XXXX, TRANSUNION and XXXX has furnish inaccurate information on my personal credit file. It is clear violations being committed by these bureaus. I have attempted many time to rectify this matter by disputes. Each time it comes back updated and not deleted and removed as it should be by law. Please remove and delete this inaccurate information from my credit file immediately. 
The account is paid in full and agreed by the lender to be reported as CURRENT, ON TIME and CLOSED. Each bureau is reporting different information as you will see in the documents I proved.

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