BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
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: Account information incorrect

Complaint:
CREDIT IS NOT REPORTING ACCURATELY. MULTIPLE CREDIT AGENCIES ARE REPORTING INACCURATE CREDIT REPORTS ON MY ACCOUNT. I SHOULD NOT HAVE A BALANCE WITH ANY COLLECTION AGENCY. XXXX XXXX XXXX IS UNLAWFULLY REPORTING DEROGATORY REMARKS ON MY CONSUMER CREDIT REPORT. PLEASE HELP ME OUT

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 2023-05-25
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I used external transferred {$1.00} on US Bank webside on XX/XX/2023 to Lending Club My account XXXX was debited {$1.00} XXXX XXXX stated they never received this {$1.00}, I checked with them many times. 

I called US Bank XXXX several times and went to the US Bank branch in XXXX, CA, so far the problem still not resolved. 

Now I closed the XXXX XXXX account, I need US Bank to CREDIT BACK {$1.00} to my account. 

BTW, I used external transfers between my US Bank and XXXX XXXX previously, they all went through without any issues.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo foreclosed on our home loan in 2013. I feel we qualify for the lawsuit. We were sent a letter and told we didnt have to make payments during the forbearance process and then we were foreclosed and forced to due a short sale.

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 2023-09-19
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit 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:
On or around XX/XX/2023, I mailed the attached dispute letter to Chase. On XX/XX/2023, XXXX XXXX at Chase contacted me about the dispute. She said Chase required a second opinion letter on the jet ski. I told her, I had sold the Jet ski and that was impossible. XXXX said she had no mechanism to process my claim without me taking the jet ski to a dealer to get a second opinion. She noted her system would not allow the claim to move forward with that document. I asked her to note my objections and send me a written response. 

I don't believe the credit card company can unilaterally impose a requirement that I obtain a document that is impossible to obtain. I'm not aware of any requirement in the law. This appears to be an internal procedure created by Chase. 

At no point was I advised that I would need a second opinion letter when filing a dispute. I took pictures of the issue, have testified to the issue, and the merchant does not deny it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: NE
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 had 2 collections accounts from XXXX XXXX XXXX. I arranged to pay off both collections and they were to submit to the credit bureau the collections were paid and to remove them from my account per our agreement. I see that they have updated that my account is paid, but the credit report is still showing it instead of removing it. XXXX said they submitted a letter to remove the accounts from my report, but it is still there.

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 2017-08-01
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2017 I disputed a unknown collection on my credit report with the 3 credit bureaus. Two weeks later the debt came back verified. I then mailed a letter to XXXX XXXX asking them to validate the debt. Asking for proof they own the debt, proof they are licensed to collect in my state, and the original aggreement showing I have an account with them showing my signature for the {$2200.00} collection on my credit report. They sent me a one page computer generated statement. I then redisputed the collection again with the credit bureaus, and they again verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2021 did a transfer for XXXX tried to stop the transfer that day but was told I had to call back in 3 days in order for the transfer to be canceled and then I was told that they couldnt do nothing but a reversal and still was denied my money back after submitting numerous amounts of calls

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 2021-11-08
Company: Experian Information Solutions Inc.
State: GA
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:
I have been violated by the Credit Reporting Agencies and Corporations by furnishing information on my consumer report without my written consent.

Per 15 USC 1681 ( a ) 2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Your company has violated my consumer rights by furnishing information such as payment history, which are considered transactions or experiences between the consumer and the person making the report. 

The accounts furnishing any late payments should be excluded and deleted from my consumer report. I did not give my 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 2023-07-25
Company: Experian Information Solutions Inc.
State: FL
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 submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance Owed : {$48000.00} ;

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 2023-02-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2020-08-17
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: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$560.00} XXXX XXXX {$3600.00} XXXX XXXX {$810.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$810.00}

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 2023-07-25
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian refuses to remove XXXX XXXX XXXX from my credit profile. On XX/XX/2023 I was told by several Experian representatives that Experian is still internally investigating my dispute with XXXX and that they would be finished by XX/XX/2023. Later I received an email saying they validated the dispute and they will continue to report the fraudulent account on my credit profile. Misrepresentations about the debt, including the amount owed is illegal and in violation of my consumer protection rights. Its been past 30 days and the company has not furnished any documentation proving the amount they are claiming I owe. I have enclosed documents they keep furnishing to the credit bureau which is not a valid billing statement of the amount they are claiming I owe. In the documents it shows multiple different amounts that they are attempting to collect from me, no documents from XXXX stating that the balance theyre reporting is owed by me.

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 2020-08-17
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was forced to leave XXXX XXXX XXXX due to unsafe and healthy conditions and notified them of such. when I moved out I owed nothing and they owed me a credit plus my security deposit. I filed a complaint in court to receive my security deposit back and received it. They then Hired a collection agency who then posted a false collections report on my credit record. I filed a dispute with the collection agency Hunter Warfield and receive no response, and I filed a dispute with XXXX. 
This is in XXXX county XXXX, Maryland. I moved out XX/XX/2019.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: OH
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX has violated my rights XXXX  XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX XXXX XXXX has violated my rights XXXX. 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) STATES ; NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION. OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
CapitalOne continues to double and triple report delinquency on the same account many times a week which appears as separate reporting on all 3 credit bureaus. My score continues to drop because of this. I have gotten notifications for months about an account being reported as closed due to NEW bankruptcy when in reality the account was opened after my bankruptcy and remains open to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After pulling my credit I noticed a collection account listed. I have never received any communication from The Law Offices Of Mitchell D. Bluhm & Associates to validate debt. 

I then sent over a validation letter to have them provide physical documentation to validate this debt & make sure they are allowed to collect this debt. I have received no response & contacted the original creditor to request a copy of my HIPPA release form. I have never signed off on a HIPPA release to have a 3rd party debt collector to have access my medical information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
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: Account status incorrect

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX signed for my certified letter requesting validation of a closed account by guarantor. Also asking why they closed my good standing account. This account was closed by XXXX on XXXX of XXXX in good standing and have been reporting payment amounts due and late payments on this closed account to all bureaus. I have received NO response from XXXX or ANY of the three credit Bureaus. I've sent certified letters to Experian on XX/XX/XXXX, NO RESPONSE, XX/XX/XXXX NO RESPONSE, and most recently XX/XX/XXXX, NO RESPONSE yet. XXXX  on XX/XX/XXXX, XX/XX/XXXX and most recent XX/XX/XXXX NO RESPONSE yet. XXXX  on XX/XX/XXXX, XX/XX/XXXX and most recent XX/XX/XXXX NO RESPONSE. Yet I have received another late payment post to my credit reports by XXXX XXXX XXXX. I have asked both XXXX, Experian, XXXX  and XXXX  to remove these inaccurate, false, and illegal information from being reported. I am being ignored and my credit is suffering because of it. I've worked really hard to maintain my good credit and this inaccurate information is hurting badly.

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 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit 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:
I was forced to purchase tickets I could not use to go to XXXX XXXX. I complained to my credit card company about the charge. XXXX XXXX lied to Bank of America and said I used the ticket but they actually issued me another ticket to use in XXXX, instead of giving me a refund. They are holding onto my money. I would have to buy new plane tickets, and get a new hotel room, to be able to use these tickets. I want a refund not complimentary tickets to use in XXXX. Bank of America thinks its ok for me to not get a refund. Then they called me and said they will take care of my complaint and they gave me a number to call and a person to talk to. That person does not return phone calls or answer the phone. The number goes straight to voicemail. Her name is XXXX she works at Bank of America her number is XXXX ext XXXX. 

The transaction date is XX/XX/XXXX the posting date is XX/XX/XXXX the reference number is XXXX. The amount is for XXXX This is the new ticket they gave me after I flew back to XXXX from Florida in XX/XX/XXXX. 

Dates Valid XX/XX/XXXX thru XX/XX/XXXX Order Number Order Date XXXX XX/XX/XXXX XXXX Contact Person Guest Contact Details Guest XXXX XXXX Product Guest Name XXXX XXXX Ticket Guest XXXX XXXX XXXX Ticket Guest XXXX XXXX XXXX XXXX Dining Ticket Guest XXXX XXXX XXXX XXXX Dining Ticket Guest 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 monetary relief
Consumer complaint received 2023-06-07
Company: MOHELA
State: MN
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:
My Direct Loans were transferred to MOHELA in order for them to facilitate my Public Student Loan Forgiveness. I have well over 120 eligible payments, and was told that all my loans would be forgiven. MOHELA proceeded to remove a portion of my loans, but not all of them. The only reason I have been given for not having all my loans forgiven is that I am responsible for the loan co-borrower 's amount. However, the co-borrower 's loans were previously all discharged due to Permanent and Total XXXX, and Federal Student Aid confirmed the only loans remaining are mine and that the remainder of all these loans should be forgiven. I have repeatedly asked MOHELA to investigate and correct this problem but they have not. And just today ( XXXX XX/XX/2023 ) I received another reply from MOHELA stating that my loans were discharged ( even though they have not all been ) but I am responsible for the co-borrower 's loans ( which were already discharged and should not be in the account at all anymore ).

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 2019-05-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. 
CHAPTER XXXX BANKRUPTCY : 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 2023-03-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I discovered that one account still on my credit report was incorrect when I reviewed it. Validate the account that still reporting misleadingly to my file XXXX XXXX XXXX XXXX Balance : {$8900.00}

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 2020-08-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
TD Bank is my Bank and has been causing issues all through the pandemic. I continually had to call to have fees that were taken out put back into my account. The bank claims I was under {$100.00} so they charged me {$15.00}. The account was not under {$100.00} ever during the month of XXXX. Regardless, there is a pandemic still in XXXX and most of TD banks are not open. Those that are have waiting lines of 150+. Therefore Governor XXXX also explained that these additional fees should not be taken at this special time. I would like my funds returned and for the bank to stop these unethical practices.

Company response to consumer: Closed with explanation