BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: CA
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:
The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-16
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 information incorrect

Complaint:
I am writing to submit a formal complaint against Experian located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: TX
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:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2023-11-16
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: Account information incorrect

Complaint:
Certified U.S. letters and supporting documentation were sent to Experian, XXXX, and XXXX credit agencies ( Dated XX/XX/2023 ), disputing several inaccuracies and incompleteness of information on my consumer report pertaining to a Factual Dispute ; listing all the inaccurate reporting done on XXXX XXXX Student Loan accounts. I explained in detail what those inaccuracies were, and how I wanted this matter resolved! I requested that this matter be thoroughly investigated, that the credit agencies follow the guidelines established by the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) ; and that these inaccuracies be removed/deleted from my consumer report immediately. 

On XX/XX/2023, I received notice via email that my dispute results from Experian were in ( Report Number XXXX ). When checking these results, the notification says " Updated '', but when I checked my consumer report online... NOTHING HAPPENED TO THE ACCOUNTS I REQUESTED TO BE REMOVED/DELETED.. Nothing was updated by removal/deletion...

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 2024-01-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
The mortgage was deemed illegal by the federal government and the bank refused to work with me to refinance. Subsequently the bank foreclosed and I lost my house.

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 2024-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I submitted my for unauthorized funds taken from my account back in XXXX somewhere near XX/XX/23 I did not get a provisional credit nor my issue resolved I received two letters of denial?? Stating I took the cash out or someone I know??? I did not take no money out of my account!!! I REQUESTED THE DOCUMENTS USED TO DETERMINE THE DECISION WHICH I HAVE NOT RECEIVED I WAS ALSO JUST TOLD I COULD HAVE FILED A POLICE REPORT WHICH EOULD HAVE HELPED THIS MATTER!! WHY WAS I NOT GIVEN THE INFORMATION THE FIRST TIME I CALLED!!!??

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: 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: Information belongs to someone else

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. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 report by more than seven years.

15 U.S.C. 1681s-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 2024-01-01
Company: Relay Financial (US), Corp.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
They closed my checking account for no reason. 
I asked them via email how to settle my balance! 
I suggested that they could settle my balance by ACH transfer or wire transfer! 
They replied by email that they could only send a check to settle my account balance! 
I asked them who would bear the loss if the check you sent was lost or I did not receive the check they sent. 
They didn't respond to my questions! 
Now I have not received the balance they should have settled for me, they closed my account and emptied my balance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
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: Reporting company used your report improperly

Complaint:
In accordence with the fair credit reporting act XXXX Account # XXXX... And Account # 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 a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX 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 2023-11-21
Company: EdFinancial Services
State: MN
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:
Urgent Complaint Regarding Edfinancial 's Mishandling of Student Loan Payments I am filing a formal complaint against Edfinancial for their egregious mishandling of my student loan payments, which has put me at risk of default. The sequence of events is as follows : Initial Payment ( XX/XX/2023 ) : Made a timely payment of {$600.00} on XX/XX/2023. 
Received email confirmation but observed no activity in my bank account. 
Late Payment Notification ( XX/XX/2023 ) : Received an email notification from Edfinancial on XX/XX/2023, indicating a late payment. 
Discovered upon investigation in my payment history that the XX/XX/XXXX payment was reversed by Edfinancial without any prior notification. 
Submitted two inquiries through their contact form on the same day, seeking clarification on the payment reversal and requesting exemption from interest charges. 

No response received from Edfinancial.

Research on Edfinancial : Discovered through research that contacting customer service by calling can take at least 4-8 hours. 
Found that requesting a call back is ineffective, as the system disconnects the call immediately upon callback, rendering this avenue unhelpful. 
Numerous reports of customers facing difficulties reaching Edfinancial customer service, with issues ranging from prolonged wait times to disconnections during callback attempts. 


Second Payment ( XX/XX/2023 ) : Made a second payment of {$1000.00} on XX/XX/2023. 
Received email confirmation, but no corresponding activity in my bank account as of now. 
This situation is extremely serious as it has the potential to lead to default on my student loan. Edfinancial 's lack of communication and transparency regarding payment reversals is unacceptable, and the difficulties in reaching customer service only exacerbate the issue. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly to ensure fair and accurate handling of student loan payments by Edfinancial and to prevent any further harm to borrowers. 

-- Also, my name is now legally XXXX XXXX XXXX XXXX. I submitted documentation of my driver 's license and social security card as proof of this and there has been not activity to change that either or any acknowledgement.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-16
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account that I am complaining about concerning The Best Service Company I found to be a fraudulent account in my credit report. 
The Best Service Company is attempting to collect on a debt that I do not owe. 
I got a letter from The Best Service Company on XX/XX/XXXX attempting to collect on a debt that I do not own, and now recently found this company furnishing derogatory information about me. I sent The Best Service Company a letter of dispute of the alleged debt on XX/XX/XXXX for validation of debt XXXX XXXX XXXX - Notice for validation of debts, and another letter of Cease and Desist on XX/XX/XXXX. I did NOT get a response from The Best Service Company regarding this alleged debt. Unfortunately this company did not give me Lawful validation for the alleged debt under the FDCPA. 
I did give The Best Service Company a chance in good faith to validate the alleged debt. The problem with The Best Service Company is that they are furnishing information about me without having permissible purposes according to the FCRA, this makes it an Identity theft. Furthermore The Best Service Company is attempting to collect on a debt that is considered income according to the IRS for being a charge off with a XXXX balance. XXXX does not get reported to the CRAS According to XXXX, and this debt has a XXXX balance according to the original creditor. What are they collecting on? The alleged debt has already been charged off through the IRS with a 1099-C Cancellation of Debt.

These are the violations of Consumer LAWS, and Criminal LAW.

15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.

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: Experian Information Solutions Inc.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2023-11-24
Company: Open Dealer Exchange, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
On XXXX of XXXX I submitted an application to finance a XXXX XXXX XXXX XXXX XXXX XXXX  ; VEHICLE IDENTIFICATION NUMBER : XXXX located in the XXXX XXXX dealership in XXXX XXXXXXXX XXXX CA. I am requesting copy of the contract that was opened with this application as evidenced by the hard inquiry reporting on my credit report. If there is no evidence of a contract, please delete this inquiry from reporting on my credit profile and retract this application under the FCRA for inaccurate reporting of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, TRANSUNION, XXXX is breaking the consumer law pertaining to : XXXX account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. 
SSN XXXX CARD HOLDER

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
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. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Account opened : XX/XX/2023 I opened this business checking account using the promotion code XXXX  after a promotion popped up on my app one day randomly after I logged in to look at my credit card balance. The next day I opened this business checking account and this XXXX auto filled in the promo field so i did not need to enter in anything unique. The requirements were to keep XXXX in the account for days XXXX and as a reward I get a {$1000.00} promotion. A couple days after the account opening I called Bank of America and a representative told me that the account did have the promo attached so I will get the bonus if I complete all of the requirements. I then added more than XXXX into the account. Over the next couple of months I called back a couple of other times and I was told that the promotion code was attached. Towards the end of the promotion period I called again and I was told that the promotion code is only pending on the account and they aren't sure why, but they thought it would show complete after the requirements were met but they were not sure. I waited about 105 days after the account opening and called the bank back because I did not get the promotion and I once again wanted to make sure that the promotion was on the account because I was anticipating this exact scenario taking place. I was told that they XXXX cant find a promotion on the account and XXXX none of the previous reps left any notes on my account so the phone rep had little information to go off of. So I'm not sure if all the previous reps just told me that the promo code was attached just to make me happy, but then didn't leave any notes so that it couldn't be tied back to them with a paper trail? I'm not sure. The representative on the most recent call created a case for me to investigate whether I qualified for the bonus and I just found out that it was denied because I was not " targeted ''. This case could not be escalated again because it had already been escalated. I did not see another way to escalate this within the company so I decided to go with an outside source.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be 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 non-monetary relief
Consumer complaint received 2024-01-04
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i tried to deposit a large amount of money into the bank to get the 5.5 % XXXX interest. 
the bank did not transfer the money instead, after 4 days, i get an email that my account has been restricted and now being investigated for legality. 

i now have {$980.00} that I can not withdraw the bank if called 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