BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: DISCOVER BANK
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered into an agreement with XXXX XXXX to resolve a XXXX account. The agreement was for XXXX monthly payments. On the XXXX payment, made in XXXX of XXXX, XXXX XXXX applied the payment to another account in their office, which they allege is mine. 
Each month when I send the XXXX payment I include a letter stating that the payment is for the XXXX account and I include the last 4 digits of the account number. I never authorized XXXX to apply the payment to anything else but the XXXX account, as agreed. 
I received email communication from XXXX XXXX at XXXX, on XX/XX/XXXX stating " I am looking into this and should have an answer shortly. I think I know what happened and it was through no fault of your own. I will remediate this. '' That was the last communication I received from XXXX on this issue that they clearly caused. I followed up with Attorney XXXX via email on XX/XX/XXXX and XX/XX/XXXX, with no response. I called XXXX on XX/XX/XXXX and was told Attorney XXXX was not available to discuss the issue. 
Additionally, XXXX has continued to send me letters stating that I am behind in my XXXX payments. I have copies of each check that they have cashed each month. I have held up my end of the agreement and continued to make the monthly payment in XX/XX/XXXX, and I will be making the last payment of the agreement in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
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:
I have sent several letter to companies by the names of Experian, XXXX, and XXXX, yet they have failed to respond to my dispute letters. I have not received any responses over the last 6 months.

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 2018-08-28
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am behind one payment of {$25.00} and over my credit limit by approximately {$27.00} for the month of XXXX and I have received numerous call from a couple of numbers. 
XX/XX/XXXX- called 1x,XX/XX/18- called 1x, XX/XX/18 -called 2x, XXXX called 2x, XX/XX/18 called 2x,XX/XX/18- called 2x,XX/XX/18-called x,XX/XX/18- called 3x. 

I might have missed some calls because I do not answer numbers I am unfamiliar with. 

Have not spoken with them, I missed a {$25.00} payment and late fees.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

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 2023-09-21
Company: EQUIFAX, INC.
State: NY
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 six 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: KY
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX they want me to verify my identity. Since i tried to transfer money into the debit card to use on XXXX XXXX XXXX. Already had {$21.00} in the card. They want me to email them my paycheck stub, social security number and governed issue ID through email. I wanted to close my amount, since they were not helpful, and return the remaining funds back. They said they could not until I give them the documents in order to get my money back. Tried to talk to someone but argued with me because, I had them on speaker phone, since I'm hard of hearing, while they recorded the conversation. Then they hung up on me and froze my account right after the call. Could not log back into my account. Can't even get documents from the XXXX XXXX XXXX since they locked 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 2023-11-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/ we received a text from WELLS FARGO BANK detecting fraud alert, asking if we authorized multiple charges from several businesses. The first charge of {$2100.00} to XXXX went through. We do not have any business with XXXX and never have, this was not our purchase. The next two charges that were attempted on our account were declined by Wells Fargo resulting in the fraud alert text mentioned above. The next day we see that the XXXX charge had in fact gone through. We called the Wells Fargo fraud department to file a claim assuming this charge would be reversed. To our dismay, Wells Fargo declined our fraud claim stating the " transaction was authorized '' ....? After going to our local Wells Fargo branch and speaking to our manager they suggested we submit the claim again and let them know we did not have this card in possession when the transaction occurred. Once again Wells Fargo declined our claim?

* We do not have an account with XXXX where the charge were made * We received a text from WELLS FARGO fraud alert suggesting it was fraud which we confirmed, and yet still have this charge to our account * This debit card had never been used for in-store purchases for the 4 years that we have had the account, it's only used for deposits. 

We have submitted this fraudulent claim to WELLS FARGO twice and been declined both times. WELLS FARGO insists that we made this transaction, which we did not! There is no justifiable reason why we have not received a credit to our account in the amount of {$2100.00}

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 monetary relief
Consumer complaint received 2023-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Ive applied for credit card at XXXX, Capital One and XXXX but they all denied me and they couldnt give me any better reason for that too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: MD
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 one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a business account with fifth third, about a month ago a deposit of {$11000.00} was made into my checking account at fifth third by my merchant provider. After this deposit was made fifth third locked my account and requested some documents which showed the customer order and customer contact details. This deposit was never disputed by my customer but fifth third locked my account for reason best known to them. I reached out to them several times and they kept dragging the issue for as long as possible until they final closed my account. I went into the bank to ask for an update on my money and they claim i had no money in my account as at time of account closure which made no sense since the whole reason my account was locked was because of the {$11000.00} deposit made which was never disputed by my customer. They claim they have refunded the customer but the customer showed me proof that no refund was made into his bank account. I never received any check for my closing balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I had an old credit inquiry that was coming off my report drop off and TransUnion dropped my score XXXX points for no reason the account was paid off early and was allowed to be by the company, It was never late so I called to inquire as the why this happen and they looked it over and said that it shouldnt have happened and to call to file a complaint with consumer finance. Gov to have the score fixed.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'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 about 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 non-monetary relief
Consumer complaint received 2021-02-26
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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

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 2023-11-21
Company: ID Analytics, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX, will not comply, I have old addresses, I have address where I didn't live at, names spell wrong, USC 15 1681 602a I have a right to privacy,15 1681 604a I didn't give permission for any to have my report to view my report, I want to dispute, when disputing XXXX suppose to remove the negative item but XXXX don't want to remove the item, XXXX, and the secondary credit reporting agency is doing what they want to do, I have the right for my credit report to look the way I want it to look,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX  loan balance is XXXX they reported XXXX I was denied for my mortgage due to this. They stated this was not their fault and I was a victim of credit report timing. They have cost me my new home.

Company response to consumer: In progress
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I Received my credit report on XX/XX/XXXX and noticed there were hard Inquires that dont have Permissible purposes to be on there. Theses Hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about this multiple times especially Equifax and XXXX Multiple times they keep Violating my rights Under 15 USC 1684b. Below are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have no account associated with these companies no authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NC
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:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: IL
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX HAS CONTIUALLY REPORTED A LINE OF CREDIT AS A CHARGE OFF EVEN THOUGH IT HAS BEEN DISCHARGED THROUGH A BANKRUPTCY, THIS IS THE 4TH TIME XXXX HAS DONE THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-12-23
Company: U.S. BANCORP
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2020 I did a transfer from my usbank account to my other account in XXXX XXXX XXXXXXXX. 
XX/XX/2020 I receive a email from usbank stating that the transfer was unsuccessful and I should see the money 3-5 business days in my account. 
XX/XX/2020 I have already spoken to representatives of both banks. usbank argue that XXXX XXXX  XXXX rejected the transfer. XXXX XXXX XXXX says that the transaction never happened ( disclaimer : I only talked to XXXX XXXX XXXXXXXX before XX/XX/2020, however I also talk to usbank before and they argued that XXXX XXXX XXXX rejected it ). 
The last representative of usbank PROMISED THAT A MANAGER WILL CALL ME and that never happened. 


To put into context : I couldn't pay the rent on time, compromising my relationship with the landlord. Moreover this situation is the most stressful situation I have ever lived and could cost me and my family on health.

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 2019-02-13
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am 8 years into qualification for XXXX. 

I submitted my normal income recertification to stay on my income-driven repayment in XX/XX/XXXX, meeting the deadline XXXX set for me to submit these materials. At least 2 times during XX/XX/XXXX I contacted XXXX via message and phone call to check on the progress of this application since I had not heard anything. I was informed that the application was on-track ( or did not hear anything in the case of my private message sent via the website ). 

However, I was finally informed on XX/XX/XXXX, that apparently my application was incomplete. That same day, I re-submitted application materials, and XXXX is currently " processing '' this application. I have already been informed that the recertification will not be completed in time for my XXXX statement and that any payment that month will not count toward XXXX. I am very angry as this is not the first time such a lapse has occurred due to XXXX 's slow movement. 

I have called XXXX nearly every day in the last week to ask that the loan by expedited, particularly since the 5-week delay in the original processing was entirely XXXX 's fault. I have been told that they can't even put in a request to expedite until XX/XX/XXXX. 

What can be done to expedite this process and fix the missed month ( or more! ) for PSLF-eligible payments due to XXXX 's delay in informing me about the supposedly incomplete application, which was submitted by the deadline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: JPMORGAN CHASE & CO.
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Good Afternoon, On XX/XX/2023, I received an email from Chase Bank mobile stating congratulations your new credit card was approved, Chase Freedom Unlimited card ending in XXXX.

Company response to consumer: Closed with non-monetary relief