BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the 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 non-monetary relief
Consumer complaint received 2019-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I applied for Capital one which they approved me for a capital one 360 account I inserted {$1300.00} into the account the account been open less than a month I now have {$330.00} in my account they are not releasing my funds due to not able to verify my identity. 

This is awful why have a system in place for consumers to apply in which it cant be verified at the time of application? 

XX/XX/19 between XXXX XXXX I called and spoke to a representative who was insensitive and was mimicking my voice and basically not professional to when I told him his conversation was being recorded he wanted to hang up. 

Capital one get people to sign up to basically take advantage of them. The man said I cant idenitify you so youre not getting your money .. 

These conversations should be monitored and recorded in which this one should have been because this rep XXXX! 

I just want my {$330.00} if they want to close the account after I withdraw my funds that would be great

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I consolidated my student loans in XXXX with XXXXXXXX XXXX  and then reconsolidated them again in XXXX with XXXXXXXX XXXXk for which i am still repaying at a rate of {$390.00} per month. 

Now I am getting bills stating I still owe an additional {$28000.00} by MOEHLA and they are asking for {$330.00} per month. I am unsure why i am now being told I owe the original amount when i consolidated everything. 

I am a registered nurse, and i have been working non-stop since graduating school in XX/XX/XXXX. I am currently enrolled in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX XXXXXXXX University in NJ. I believe the bills i am receiving are a mistake AND i also am still in school so i should not be charged repayment at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
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: Information belongs to someone else

Complaint:
I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action.I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2020-10-05
Company: JPMORGAN CHASE & CO.
State: SC
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:
I have asked the company to send me the original signed contract, pay off disclosure, interest rate disclosure, balance history, payment history and credit insurance. They have not provided these documents to me but, they are still reporting the account as verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: GREAT LAKES
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In 2015, I was in a really rough spot financially and got very behind on my student loan payments. I have since then, gotten in contact with my lender to establish a payment plan within my budget. But because of my rough patch in 2015, my credit score is struggling from all my missed payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/19, I received an updated credit report from my investigation. Equifax has failed to provide specific investigation results such as who and when they verified this collection. This is unlawful. They are continuing to report unverified information on my credit report that they havent verified by law. The other two reporting agencies are now in compliance with the law and are no longer in violation of my consumer rights. I demand that Equifax immediately delete this unverified account. I have submitted 4 certified letters to them and they fail to remove this item and they continue to ignore the fact that they must provide specific details of their investigation. I am now in the process of pursuing litigation against them and can provide evidence of their unlawful credit reporting and investigation actions. I demand that they remove this item and provide me with an update credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Loan has been fully discharged by the US Department of Education XX/XX/2023 yet is still carried as Open with Delinquencies by XXXX and XXXX credit bureaus. 
Information cleared on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2019-02-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The bank extended a $ XXXX line of credit to help me grow my business. When the loan came to maturity they debited the amount due to my checking account even though I mailed them a check in the like amount drawn on the same account. 
When this error was brought to the banks attention they remedied their error by issuing a bank official check for {$77000.00} However that check was never encashed and the business was closed by my family when I was hospitalized due to a near death trauma. 
Some years ago the check was presented to the successor bank but they refused to replace or honor it. 
I sought advice from XXXX XXXX XXXX who had taken this same bank to task for malpractice. 
I approached XXXX XXXX, the CEO of the bank as he instituted vast beneficial changes in the banks operations to amend their practices. However his office directed me to the Florida State department that handles uncashed cashier checks. This mechanism allows banks to take client unclaimed funds off their balance sheet and handover same to the state due to death or not knowing the whereabouts of the beneficiary. 
The State explained to me that mechanism was not applicable to my funds as the bank at all times to date had my address and continue to hold my same account with the same number today. 
I come to CFPB on recommendation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She had a regional director, XXXX XXXX of the bank from their Florida regional office in XXXX contact me. She confirmed the funds were with the bank and that the check was issued through a vendor that issues their official chcheck. That the official check was stopped for lack of encashment and the funds making up the check weare with the bank. They now use a different vendor. 
XXXX XXXX requested further information, statements etc which I may have in boxes and furniture packed by my family.XXXX XXXX XXXX recommended that I request CFPB to investigate the matter so the bank will replace their uncashed/stopped Official Check. 
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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action.I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2021-01-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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/2021 i pulled my full credit report and i notice there is a couple name and address on there that is not mine i never live before and would like to remove it. my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX new york. before married my name was XXXX XXXX XXXX i never change my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Calling from impersonated numbers, example calling as XXXX XXXX when it is actually the collection agency, using these tactics to get away with calls on Sunday

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The dates and years are inaccurate on the following public records, with such misrepresentations I'm respectfully requesting that this accounts be removed and/or blocked from my credit report. ( 1. Bankruptcy XX/XX/XXXX, XX/XX/XXXX ) and XXXX XXXX   Account reference account XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: EQUIFAX, 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, 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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I just ordered XXXX XXXX from Barclays. It was the first payment of {$47.00} I had to make, yet I couldn't find the physical card, which was mailed to me and which I needed to open an online account to submit my payment. Therefore I was 3 days late and was charged {$27.00} fee. I disputed it, but not fast enough, so another {$27.00} fee was added at the same time the original {$27.00} late fee was waived. 

It didn't make any sense to me, so I disputed the second fee too. My request was denied it looks like by a computer. I requested for a human to review my case, but instead I was slapped with a new late fee of {$37.00} and was given lots of suggestions about watching my account. Though obviously I have some experience with that, because I have several other credit cards and my XXXXredit score is above 800. 

There were actually no money I owned to anybody for my purchases. Just late fees on the late fees. So I disputed it again, mentioned about my good credit history, and explained that unless Barclays does what I see as sensible, I don't want to be their customer. As a reply I received instructions how to close my account. 

I followed them at once to avoid accruing even more late fees, and will appreciate your help with recovering the current {$66.00} of late fees and interest on a {$47.00} purchase, which amounts to about 140 % penalty.

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 2023-05-18
Company: Experian Information Solutions Inc.
State: AR
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:
I have tried twice to remove inaccurate addresses and names from my XXXX report, but for some reason, this hasn't been handled. Please look into this issue for me, I am in fear of identity theft on all three bureaus. I have attached my current driver 's license, all information on the license is accurate.

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 2021-01-04
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Writer provided {$5000.00} check for services rendered. Check was mobile deposited by receiver. During mobile deposit process, Wells Fargo improperly transcribed the account number and tried to withdraw the funds from the incorrect account. The withdrawal failed and the check was deemed as NSF. The writers bank, XXXX XXXX, noticed the mistake and corrected it and continued to send the {$5000.00} to Wells Fargo after Wells Fargo had already bounced the check. I received a charge back for a bounced check, but the writer has {$5000.00} withdrawn from his account and it has not been returned. I have filed multiple cases and complaints with Wells Fargo and they have not been able to locate the funds. I have been in contact with Wells Fargo for three months now and have had claims out for two months and they have barely been in contact with me and have not done anything to locate the funds. XXXX XXXX bank has accepted no responsibility for improperly sending funds that were not expected, and will not cooperate in helping to contact Wells Fargo and locate the funds.

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 2019-02-09
Company: EQUIFAX, INC.
State: MO
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:
There's an obvious mix up within my credit report, I found errors and accounts that's not mines. I'm asking that the account XXXX XXXX XXXX  be removed / blocked from my report the account says it was opened XX/XX/XXXX, but the inquire saysXX/XX/XXXX, it doesn't match up nor is it mines. In addition there's an account XXXX XXXX opened dateXX/XX/XXXX, that says a joint account, I never cosigned or jointly associated with anyone. I'm asking that this account be blocked/ remove in accordance with the law of the FCRA . Lastly account named XXXX XXXX XX/XX/XXXX is not mines and I'm requesting physical documentation of this account or in accordance with the FCRA this account shall be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not fair. Everyone else gets their 1 shot to have student loan late marks removed but I am being reported late 90 days 28 times. I paid the money I owed and my negative marks are still there. I was just denied for a car loan which I need very badly. These late marks are destroying my life. It was only {$3000.00} and people with 10x that amount are able to rehabilitate it. I was told I have 1 time to rehabilitate my students loans but they insist on reporting every single one.

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