BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data.

This is a serious issue! The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) 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 non-monetary relief
Consumer complaint received 2022-10-28
Company: SYNCHRONY FINANCIAL
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of XXXX I purchased an XXXX stacked washer/dryer with a warranty, I opened a Lowe 's Credit Card and charged the washer/dryer and warranty to the credit card. It was suppose to be delivered on XX/XX/XXXX. When I called them on XX/XX/XXXX to confirm delivery, they said that delivery wasn't going to happen until the end of XXXX. At that time I cancelled the washer/dryer and asked them to refund everything to the credit card. I purchased the same model from another retailer who was able to have it delivered within a week. 

In XXXX of XXXX I received a call from XXXX 's confirming delivery of the washer/dryer, I told them I had cancelled the order and everything was suppose to be refunded back to the credit card. They refunded the washer/dryer, but did not refund the warranty. I have been getting the runaround between Synchrony Bank/XXXX XXXX and their Warranty company since XXXX of XXXX. I have spoken multiple times with them about getting this refunded to my credit card since I never took possession of the washer/dryer, and should have been refunded the warranty in full. 

They have trashed my credit score so that my insurance has gone up and another of my credit cards, has lowered my credit limit, which has again affected my credit score. 

I have spent countless hours on the phone with no resolution. I never took possession of the original item I purchased, I never should have been charged for a warranty on an item that was never delivered. 

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 2023-11-22
Company: WELLS FARGO & COMPANY
State: AL
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/XXXX I went to the ATM at Wells Fargo Bank to make a withdrawal. When I tried to make the transaction I found I didn't have the money I thought. So I tried to make an overdraft which was approved but I didn't get the money. As a result of this I was charged for overdraft and the money that I didn't receive. In XXXX ( XXXX and XXXX ) I was charged with the same amount but I didn't even attempt to do an overdraft. So that was {$500.00} plus NSF charges three times ( NSF charges of XXXX dollars a pop ).

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 2023-03-24
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US Bank had to open a new account one week ago XX/XX/XXXX and I still can not Transfer funds. I had been with US Bank over ten years and had to Open a new account because my old one was compromised. It is now XX/XX/XXXX and can not transfer funds thru XXXX. I called 6 plus times to give social security number plus date of birth and mothers maiden name. 
In our society we call that The forgotten man! On Monday U S Bank Did call to take out payment for a loan but no go on transferring funds. 
Amount was {$1100.00} plus.

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 2022-10-28
Company: MOHELA
State: CA
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 am trying to participate in the temporary XXXX XXXX loan forgiveness program which has an open period called a waiver set to expire XX/XX/XXXX. I approached the original loan company regarding this same issue and filed a complaint with CFPB. The loan company transferred my account to Mohela without addressing the issue I have raised. I qualify for an additional 6 months of credit due to work I did in XXXX - XXXX for the XXXX XXXX  of XXXX XXXX. I was only credited for 6 months of work when I worked for 1 year ( commuting XXXX miles a week ). I would like the other 6 months of credit to be reflected toward my public service loan forgiveness program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Someone stole my information and open a bank of American credit card. I wasnt never notified from Bank of America about that credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, I opened my secured credit card account in XXXX of 2022. Ive had returned payments on my credit due to not being able to edit my payment nor having access to capital one atms. My returned payments occurred usually to the fault of choosing the wrong account to pay from. I notified Capital One of this mistake several times hoping they would have a solution such as troubleshooting how to delete external accounts on the app, a stop payment, or editing the payment. No solution that fit was ever offered for this issue. I also was never notified of further adverse action to due return payments. I had the option of transferring funds to the account used but because the timeframe is the same as returning funds, that solution wasnt beneficial. My issue is I was never notified of violating of the terms of the company, nor forewarned that my account would be closing if I make the grave mistake again. My credit report reflects that I pay on time and do not miss payments. Ive taken great efforts raise my credit score and I would not like to see if be affected by being not notified or reminded of conditions and terms of this company. I have no issue with following rules when I am aware of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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 XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as law 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 2023-11-23
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentialality under 15 USC 1681. 

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 XXXXXX/XX/XXXX 15 USC 1681 section 602 A states I have right to privacy.

15 USC 1681 section 604 A Section 2. It States a consumer reporting agency can not furnish a account without written consent.

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 2019-01-09
Company: CITIZENS FINANCIAL GROUP, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I set my account up on reoccurring payments, I spoke with someone on the phone after I found out my account was delinquent and he informed that it was not setup on reoccurring payments. Now I have a thirty day delinquency on my credit which I should not have. I paid the account current and setup the reoccurring billing again. Hopefully this time it will work. However, I asked for a courtesy waive as it was not my fault that the reoccurring billing did not take place. it was denied I am hoping that this time which will be the third time I set it up that it will actually take place. It is more convenient for me to have it setup on auto pay then having to log in every month to pay. Please look at my history with them I have never been 30 days late and my credit effect by this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Company: JPMORGAN CHASE & CO.
State: DC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Was released from the hospital on XX/XX/XXXX contacted Chase JP Morgan via phone to pay bill spoke to a rep she took my information and stated she was gon na take care of my payment notice a few days later the payment wasn't taken out of my account to learn she didn't process the payment that cause my account to be one time 30 day late on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is my third time complaining about FEDLOAN servicing. 

I know your company is closing down, but shouldn't you work until the last day to take care of our loans. 

I complained about issue with getting my refund request on XX/XX/XXXX. Received the response from your company " Advocacy Office '' after your thorough review. You stated that the request is on hold by the Department of Education and my closed loan with {$0.00} balance will be transferred to a new servicer. 

How come your agents ( customer service ) have no clue about the plan and always gave me inconsistent and inaccurate information when I called to check the status. 

One agent ( XXXX XXXX told me there is no refund request - and submitted a new request on XX/XX/XXXX. 
One agent told me on Monday XX/XX/XXXX that my loan won't be transferred because it is closed. 

I also emailed your Office of Consumer Advocacy on XX/XX/XXXX -- BUT no response. 

I also requested the account balance history which includes all transaction - including the last paid off transaction -- - BUT has not yet received it. ( The one that I received online on XX/XX/XXXX - did not include the last payment on XX/XX/XXXX. 

If my loan will be transferred to a different FSA - WHEN would it be and WHO would it be?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: WA
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX CARD XXXX Balance {$8600.00} ; XXXX XXXX XXXX Balance XXXX {$8600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 2023-10-27
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: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2018-08-10
Company: ERC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving calls from this company, I did not know who was calling me because everytime they call no one answers. I called them back and talked with some lady, and still didnt know who they were, she said it to fast and unclear. I just told her someone keeps calling my number, but don't say a word, I would like them to stop, she said ok and will have it stopped. On Thursday they called me again twice and both times would not answer me when I said hello ... this harassment has happened before. Including XX/XX/2018 XXXX XXXX and XXXX XXXX  And XX/XX/2018 XXXX XXXX and XX/XX/2018 XXXX XXXX and XXXX 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 2018-08-10
Company: Experian Information Solutions Inc.
State: OH
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:
I have a closed account on my credit report for XXXX/XXXX  account number XXXX. They show the date this account was opened to be XX/XX/XXXX. They sold this debt to XXXX XXXX account number XXXX and they are reporting the date this account was opened as XX/XX/XXXX. Both XXXX XXXX/XXXX  and XXXX XXXX are reporting on my file as a duplicate account and reporting inaccurate dates the account was opened. I disputed this with Experian and they told me that the information is correct and that XXXX XXXX certified it had provided correct information. Experian will no longer let me dispute this information and I have the proof to show that XXXX XXXX/XXXX  and XXXX XXXX are both reporting on my personal credit file and both listing two different dates that the account was opened. This is in violation of my FCRA rights. I am informing the CFPB because Experian will Not fix the innacuracies in which they are required to do so by federal law.

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