BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: WELLS FARGO & COMPANY
State: VA
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:
I never authorized wells fargo to allow charges to go through when i use my debit card or for automatic billings, they have been arbitrarily picking and choosing charges to accept then hitting me with overdraft fees, i never opted in to this option and feel im owed back several dollars from the bank for the headache and stress it causes to have to move money or borrow money just to cover overdraft 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 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/, I sent 2 letters to XXXX XXXX about an alleged debt- ( see uploaded documents ) requesting a validation of the alleged debt. You see, I checked my credit report and found some damaging information on my credit caused by this company. I quickly wrote letters to the CEO, XXXX XXXX. Now, I checked my credit report, yesterday and found that the alleged debt was validated. How come I only found out about it by looking at my credit report? As you can see, I want the debt validated using your consumer laws. Nothing else will do. Since XXXX XXXX can not prove to me the alleged debt, I want it removed from the credit report. I also never gave them written permission to put this damaging information on my credit report, and they have therefore committed aggravated identity theft under 15 USC 1681 b ( 2 ). Since they cant validate the debt to me, I think they should validate the debt to you. All I know is I am suffering mentally and emotionally and the sad part about it, I cant afford to pay for mental health services. Thanks you for your time and attention to this matter.

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 2023-08-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
About a month ago, I visited my local chase bank ( whom Ive done business with for about 10 years now ) and applied for a bigger credit card ( my current one has a XXXX limit ). The supervisor sat down with me and called the underwriter and had them on speaker phone, they asked all the questions and finally got to the question of income. I responded with I am XXXX XXXX XXXX, and receive XXXX a month in va compensation and they responded ok, so, unemployed and the supervisor kinda sat back into his chair looking confused. I said no, I have XXXX XXXX XXXX through the va, and its total and permanent they said ya, unemployedand Im sorry sir but your application has been denied, goodbye and hung up. The supervisor looked me square in the eye and said you might wan na find yourself a different bank and shook my hand and I left humiliated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: MI
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:
HELLO, | CHECKED MY REPORT AND | SEEN UN authorized CREDIT CHECK inquiries THAT | HAVE NOT GIVEN CONSENT TO. I AM DEMANDING THESE INQUIRES BE REMOVED WITHIN 4 DAYS AS THEY ARE FRAUDULENT. IM TRYING TO ESTABLISH relationships WITH BANKS BUT continue TO BE DECLINED BECAUSE OF THESE ITEMS ON MY REPORT. I HAVE ATTACHED THE FRAUDULENT ITEMS TO MY LETTER AND NOTIFIED THE FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: TX
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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 2023-12-11
Company: EdFinancial Services
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Court order from Sweet v. Cardona that all loans be discharged under court settlement. Edfinicial has yet to comply with court order even though they have sent me documents showing they received verification from Dept of Education the approval to do so. But on XX/XX/ it shows that all loans were paid in full as few days later added the loans back under pretext that as consolidated loans which i did not authorize. This has affect my credit score from not able to buy a home or even invest in my future

Company response to consumer: Untimely response
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: GA
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:
The charge off removed from all three credit agencies. It's against the law to report any agency updates on this charge, which must be removed. This is the last letter about this account. Legal action is next. You have fifteen days to terminate the account.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: AZ
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 you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 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 explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a regular Kohl 's card. I received a letter saying I was selected for a capital one kohls charge. I told them I didn't want it. I made a charge at kohls with my regular card in XXXX XXXX. I received the charge card from Capital one even though I didn't want. I did not even activate the card. I tried to pay my bill online, as I always do, I kept getting error. I called Kohls they said they had no account and referred me to a capital one number. I called capital one to find out what is going on. They referred me back to capital one. I told him I did not want the card. He said I would have to cancel the card I never activated and reapply with Kohls. I told him I still needed to make my payment. He then said he needed to read me a disclosure, then asked me to agree to it. I told him no I do not agree to a disclosure for a card that I never activated or wanted. The card has a label on it saying to call a number to activate. After a lot of frustration, he took my payment this was on XX/XX/XXXX. The guy then stated that the payment will be reflected the next day on XX/XX/XXXX. I told him I had been trying to make the payment all day. He said it was after his time. On XX/XX/XXXX I called again to payoff and close out the card. They again went through the same thing with the disclosure and a long frustration conversation, I asked for a manager. The manager said it didn't matter is I activated my card or not because I made a purchase in XXXX that activated the card even though I didn't call the number and activate it. She again kept refusing to close out my account or take the payoff until I would agree to the disclosure. I finally to her I agree to never opening another Kohls Capital card and close the XXXX card. ( I didn't swear, but she kept pushing me. ) She took the payment and said it was closed out. This Friday, I received another statement, this time from Kohls Capital one. It showed a late fee and a overpayment, so to say the least these sent me a bill for {$14.00}. and change. I called the number on the statement, and they said they have no record even after I called the number on their statement. They tell me I have to call Capital one. I really need help. I filed a complaint with XXXX. I also seen others that were having the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: LA
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:
Creditor is reporting to equifax after it has already been deleted from XXXX and XXXX stating it was not my account. Filed mutiple reports with equifax and they are still not providing documentation showing it is my account and still reporting it on my credit report. This is illegal activity and needs to be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX Collection account Attatchment below shows not being reported to other two bureaus after dispute but still shows equifax please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a XXXX  party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following XXXX included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
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:
Experian alleges I've had an account with XXXX XXXX, I've never had any business dealing with this company a day in my life, and they claim it is " accurate ''. Please update my report asap with these accounts 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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-07
Company: NAVY FEDERAL CREDIT UNION
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 status incorrect

Complaint:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-08-08
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I filed for bankruptcy and was told I couldnt include my school debt in it but it should have been able to be included because I have no income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2019-12-30
Company: Paypal Holdings, Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This company keeps putting unnecessarily holds on my money that has been paid to me. I have two cards on file with them, and one is a prepaid Pay Pal card that they issued me. They have held my money up since Friday. It no reason for this except being an unprofessional and lazy company. I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Paramount GR Holdings, LLC
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX installed solar panels and a metal roof on my home at XXXX XXXX XXXX, XXXX XXXX, SC. 
Was financed by Loanpal ( now known as Goodleap ). I attempted to refinance it because I was getting charged interest only. They were giving me false information and lies about the rebate from the government on taxes. 
In XXXX I tried to get a refinance and they said they were going to send someone out to fix the panels and roof. When informed that I was on unemployment they stopped trying to help me and kept sending me late payment emails and notice of disconnect of my solar panels ( which has been disconnected. ). When I attempted to contact the number given to me ( XXXX The agents name was XXXX. ) to get someone to fix the damage to my dinning room leaking roof, they proceeded to tell me there is nothing they could do and to take it up with my home owners. 
Now as a result of all this I have liens against my property, my solar panels to not work, my roof still leaks, and I have so far estimated a total {$15000.00} in damaged to my house. Plus the cost for repairs to the leaking roof still.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Receivables Performance Management, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I sent a letter to Receivables Performance XXXX XXXX XXXX XXXX XXXX, WA, USA XXXX Requesting proof of debt and ownership. The company never responded yet continues to report the debt to the credit reporting agencies. I do not owe the debt and they are reporting erroneous information and refuse to delete it. In addition the company never sent me a letter notifying me of the debt.

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 2023-11-17
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collection company, Hunter Warfield, is an agency who is employed by their client, XXXX XXXX XXXX. They claim a debt is owed for late fees of non-payment of rent during the COVID-19 pandemic. The rent was ultimately paid through the governments CARES Act. It is my understanding that rules and regulations under the CARES Act does not permit our previous landlord, XXXX XXXX XXXX, to impose such late fee 's. In addition, I was served a three day eviction notice, which states that after three business days, the lease contract is null and void, and that I must pay, or vacate. I vacated the property shortly after receiving the three day notice ( roughly 30 days after receiving the notice ) yet XXXX XXXX XXXX  insisted upon charging another full months rent for failing to provide a 30-day notice.

Company response to consumer: Closed with explanation