BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-30
Company: Aaron Worldwide Collections Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Aaron worldwide collection Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Claim # XXXX They have filed a collection to record on my personal credit report for a debt related to a business In which Iam a partner in. We dispute the amount owed. All invoices are in the name of the business. 
There has been no court action or jusdgement awarded to Aaron worldwide or  their client. 
We maintain that we will settle for the correct amount but they insist on a fabricated amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: PA
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:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy on my consumer report that you publish. My consumer report still contains the unverified account indicated below, which is in violation of law. 
XXXX XXXX XXXX, Account Number XXXX A consumer reporting agency must include all truth, fairness, and correct information on a consumer report in accordance with 15 USC 1681 ( a ). To guarantee that the reported information is accurate, several measures must be done. 

Your inability to comply with my SECOND WRITTEN REQUEST to terminate the disputed account that you can not verify within 30 days further demonstrates your willful disregard for federal law. Please send me a copy of a revised and updated CONSUMER FILE that demonstrates that this business ' tradelines are being verified or are being immediately removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
i am attaching a letter that explains why I am disputing the changes on my credit report. after reviewing my credit I am asking all the credit bureau reinvestigate the information on my report any misspelled or wrong information.NAME : XXXX XXXX XXXX Address:XXXX  XXXX XXXX XXXX ga XXXX Date:XX/XX/2023 I just looked at my credit report because i have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct andeverything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 
Account name : XXXX XXXX account number:XXXX  investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : XXXX XXXX account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name:XXXX XXXX XXXX  account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : us bkpt ct GA XXXX account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : XXXX XXXX XXXX account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : account number : investigate the completeness and accuracy of every piece of information if its not accurate, 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 explanation
Consumer complaint received 2022-11-19
Company: Comerica
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I called today after finally receiving a late replacement card to find I was charged XXXX for a card replacement fee I was never told I was being charged. The agent calling was nasty and rude as XXXX yelling at me and telling me what someone else allegedly told me in a conversation she was not privy to. I was told by direct express corporate office XXXX they were waiving the XXXXXXXX XXXX fee now they went back and charged me again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days past due on the HIGHERED partial account number XXXX. Transunion is reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These account report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2023-05-20
Company: BANNER CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello this is XXXX XXXX XXXX XXXX XXXX XXXX again I sure hope that everything that I told you you're finding out is the XXXX 's honest truth okay cuz the bank still has been lying to me I was just wondering when you guys were going to be able to wrap this up and refund my money any questions call me XXXX 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 2022-04-02
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 has violated my rights, Account # XXXX XXXX XXXX  XXXX has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX  has violated my rights, Account # XXXX XXXX XXXXXXXX  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 explanation
Consumer complaint received 2023-10-04
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Mohela sent me on XX/XX/XXXX an Auto Debit payment Confirmation. which I believe is a Statement. The statement has a date of XX/XX/XXXX. But this was not sent to me until XX/XX/XXXX. I was on REPAYE and was moved to SAVE. During this my tax filing status and number of dependents was changed from Married Filing Jointly with Three Dependents to Filing Single. This changed my payment from {$0.00} to {$370.00} a month. On XX/XX/XXXX I sent a message via Mohela website explaining their error and recieved a confirmation I would hear back in 3 days On Monday morning XX/XX/XXXX I called and after 4 hours and three escalations I spoke with someone who understood their error. The CSR filed their error and said I would receive a response in 2 or 3 days. On XX/XX/XXXX Mohela is scheduled to withdraw the incorrect {$370.00} from my account. I messaged requesting the correct calculation and them not to withdraw {$370.00}. I have not heard back. I do not want to be placed on deferment or forebearance which will result in my interest increasing which it should not under SAVE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: NAVY FEDERAL CREDIT UNION
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, has violated my rights.

15 USC 1681 Sction 602 States I have the right to privacy.

15 USC 168 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nit treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX, XXXX  and TransUnion are reporting a mixed file to my credit report. There are 5 socials that are not mine on my credit report as well as several names that are not mine. There are also multiple negative accounts that do not belong to me that are reporting and damaging my credit.

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 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being 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 explanation
Consumer complaint received 2023-10-04
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have contacted Mohela multiple times asking for my information to be updated. I had loans that were supposed to be refunded in XXXX due to a lawsuit with the school, and some never were despite multiple attempts by me to rectify the situation. Then they were forgiven under XXXX in XXXX and because the company has been terrible to work with, I gave up on the refund as it was under {$2000.00}. They have not updated my credit report with the closed loans and now have my remaining loans in forbearance and are unable to explain why. I am receiving interest on loans that I would like to make payments on but they will not allow this. I dont know what else to do at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Self Financial Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I submitted a dispute to Self Lender via email on XX/XX/2023 and via mail as well. The mail communication was sent on XX/XX/2023 and received by Self Financial on XX/XX/2023. The communication was a dispute for the account number According to the FCRA 623 ( A ) ( # ) and ( A ) ( C ) and FDCPA 807 ( 8 ) the data furnisher has a duty to provide notice to the credit bureaus within 30 days. Self Financial was required but Failed to notify the credit agencies of the dispute and therefore. I also contacted the credit reporting bureaus disputing this account and they failed to add the notice of dispute this account. Please see attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 with follow ups disputes on EVERY 30 DAYS for 12 months and this company have not send me any mail or dispute results to my home address, complete ignore my disputes, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on our property around XX/XX/XXXX, and our total monthly payment has been {$1200.00} with {$170.00} of that being held within the escrow account for property taxes and insurance. 

When I called the bank, they informed me that we are currently - {$6900.00} on our escrow account because the amount withheld only covered part of the taxes for the year. It's obvious no one else at the bank checked the amount needed to make sure that the whole years taxes were being accounted for in the escrow payment during the originations process. I've already filed numerous complaints with the bank about the loan during origination, and now a year later we're still dealing with this nonsense. The total payment will be raised to {$2100.00} on XX/XX/XXXX with {$560.00} of that going to escrow, and another {$580.00} to deal with their XXXX up. 

As of right now, all they're willing to do is make us pay the amount we're behind immediately, or benevolently let us pay it over 24 months when we had nothing to do with the amount being wrong to begin with. The bank obviously isn't going to do a thing to help us out of the mess they put us in, we need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/23, I send a {$3000.00} to a friend in XXXX, XXXX through my saving of Wells Fargo to his account of XXXX XXXX  XXXX XXXX, my bank asked me questions about the receivers personal thing and I told them to stop sending money and put it back to my account and they ask me twice do you want not to send money and I answer both yes, my branch called me to answer some personal questions of my friend and told them I want my money back but the bank said they already send the money, my friend called me and said the money didnt even reach his bank, yesterday I called the bank and they said someone in Wells Fargo is holding the money for some reason that they didnt tell me. I want know where is my money

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 2022-11-19
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX .... 
Balance : {$0.00} ; XXXX XXXXXXXX XXXX .... Balance : {$2400.00} ; XXXX XXXX  XXXX XXXX .... Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$570.00} ; XXXX XXXX XXXX ( Original Creditor Name EXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance {$0.00} ; XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$71.00} ; 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 CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX request XX/XX/XXXX ; XXXXXXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX, XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXnquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/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 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. The inaccurate address is listed below : 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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, requesting you to remove fraudulent accounts and information was well as the unaithorized inquiries that are UNKNOWN to me. I came across the Federal law and according to the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included these fraudulent accounts and information in my previous Complaints & I am including it again. Please once more, I request of you to please remove the following items off of my Credit File as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Also, please send me any documents you found along the wat if your investigation for me to verify my self about these disputed items. If you find no documents claiming that the items have been verified, immediate removal of the disputed items will be greatly appreciated.

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 2018-07-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was making a purchase for prescription eyeglasses and the doctor charged my account for 5 different frames. 
I asked for only 2 from for daily wear I was only refunded by my bank one time of {$370.00} after chase reviewed the second charge of {$300.00} for another frame. 
I never purchased a third or forth frame. So chase place {$300.00} back on my checking account for a none of the eyewear I purchased.

Company response to consumer: Closed with monetary relief