BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was issued a check by XXXX XXXXXXXX in exchange for selling my car to them on XX/XX/2022. I then placed the check into my account with Wells Fargo using the ATM. The check I was issued was also drawn on Wells Fargo. The check was initially suppose to be made available to me on XX/XX/2022, however on that date I was sent an email stating that the check was placed on hold until XX/XX/2022 which is almost two weeks after depositing. I was informed that ther was some kind of issue with the check causing the hold and I would need to refer to the check issuers. I contacted XXXX who issued the check to me and informed them of the issue, they looked into the matter and I died me that the check had been debited from their account that morning and there was nothing they could do on their end because the check has been funded. I called Wells Fargo back and spoke to two different people on XXXX and XXXX Who still could not release the funds staying that once theirs bank has confirmed they funds are available they will release to my account but still not giving me any real solution as to how to have the process speeded up. I informed them that the money they have on hold I need to pay my rent and feed my kids and I was informed they will cancel any over draft charges I obtain during g this time. I however cant even use my debit card as an over draft I cant do anything and I do t get paid until two days before the check is suppose to clear. I believe they are only verifying the check because Im a person of XXXX because it should. It take almost two weeks to verify something that is dream in their bank its self.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: 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:
I looked upon my credit report and discovered this accounts that need to be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: 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:
Experian Credit investigated a XXXX credit card on my report with a {$5500.00} bill, which I did not open, and said the card was validated.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX  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 2023-11-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
JPMorgan Chase & Co which manages XXXX 's client funds literally stole XXXX from our bank account when a former client XXXX XXXX did a XXXX XXXX XXXX XXXX on her XXXX XXXX XXXX. Even though we provided the signed XXXX XXXX contract, detailed XXXX XXXX invoice showing legal services performed/received, as well as legal work product, these thieves ripped our duly earned legal fees out of XXXX and thusly confiscated another clients XXXX  to compensate, XXXX XXXX XXXX Please urgently investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: State Collection Service, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2022, my employer received a call from XXXX asking for me in relation to a personal debt. The phone number they called from was XXXX and XXXX. The representative told my employer her name was XXXX. 

I can not find any information about this company or the phone numbers. When I try to call them back, I am unable to get through. 

I am not allowed to receive personal phone calls at work and this had XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since I can not get ahold of anyone, I am unable to tell them to stop contacting me or find out information regarding the alleged debt I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  resold an account to midland funding- who moved from XXXX, XXXX to XXXX, mi  according to credit data recently acquired. This account is reaged- XXXX  debt is actually owed. 

XXXX XXXX has abused my phone for over 120K in TCPA violations. They continued to harass me after stating they would cease. Further- they keep playing who owns the account game with MCM/midland/encore capital to continue to illegally extort me. Even assuming I paid them- they would continue to extort me after trying to triple what I originally may have owed them. Once acct is resold- you only owe what the collector paid -- which is XXXX  on the dollar. Both XXXX XXXX-targeting consumers with no or low or abused credit intentionally- and mcm need business licenses yanked. I further demand access to new accounts from these companies to repair thier illegal damage. I am not afraid to take this case to the FBI and DoJ.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: MD
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'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 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 2022-11-03
Company: ACIMA CREDIT, LLC
State: SC
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:
A LEASE WAS EASTABLISHED WITH ACIMA DIGITAL FKA SIMP ON XXXX THE XXXX WAS PAID IN FULL AND IS NOT NEGATIVE. XXXX IS THE ONLY REPORTING AGENCY ACTIVELY REPORTING THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: PA
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 Act XXXX  account number # XXXX has violated my rights 15 USC 1681 section 602 A //states I have the right to privacy 15 USC 1681 section A section 2 states a consumer reporting agency can not furnish my account without my written instructions or 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 non-monetary relief
Consumer complaint received 2018-05-31
Company: EQUIFAX, INC.
State: MI
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:
Equifax is still reporting collections on my credit report that I have asked them to investigate and they didn't complete a proper investigation. The collections were XXXX XXXX and XXXX. I would like a full investigation into this accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called XXXX several times about each of the point withdrawn from my report. Any and every credit check that isnt connected to a card on my credit report is not fine I XXXX XXXX have to permission to any creditor to check my credit that its already on my report. Ive tried to us there site but not able to input information without is being denied. My credit score has been tampered with for over 2 years and Ive wrote them several times. In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1691 Section 604 A section 2 : It also states a consumer report agency can not finish a account without written instruction.

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: PA
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'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 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 2022-11-03
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am approved for HAF through the state of Florida. HAF claims to have sent my past due amount to Caliber Home Loans at the beginning of XXXX for the amount of {$5300.00}. HAF shows that this check has posted, but nothing has been applied to my account from Caliber. I have tried to message Caliber online about this as well as sent them my award letters from HAF, but they respond asking me to call. I have called their number for the past 3 days and have waited over 2 hours each time and never get through to talk to a person. Additionally, I was approved for 6 months mortgage payments and XXXX has not yet been applied either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
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:
I have disputed the late payments on this XXXX XXXX XXXX XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this 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 2023-05-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a 1099-C related to a checking account that I closed in XXXX. I believe this 1099-C with {$1600.00} written off debt is incorrect, and I request a Tax Correction form. This 1099C form would impact my tax return, and contributed me to pay additional tax that I should not have to. Also, I have never had any debt with Citibank. 

I called Citibank customer service line XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. The customer service told me I would receive written responses back in 7 to 10 business days, but I still didn't hear any responses back from Citibank which made me very disappointed as a customer for almost 20 years. 

The matter is still not resolved, and every time I called the customer service line, they provided me a different answers. Sometime, they asked me to call the other phone number. Sometimes, they asked me to go to the branch, and sometimes, they asked me to wait.

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 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with Transunion but did not get a response..They did not give me evidence or verification as to why they will not reverse the late payment. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2023-02-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
My dentist office was supposed to do a " pre-qualification '' and instead submitted an application opening this account without my approval. I informed Comenity Bank on numerous " recorded '' calls. In addition, I had advised them not to close this account, since it was already on my credit report and I didn't want it to effect my XXXX XXXX, which Comenity fraudulently closed. I told Comenity they should get the money back from the dentist office who wrongfully opened this account. Most of the funds were returned back to the card after my continued dispute, with the exception of {$1500.00}. I informed Comenity that I would never pay for an account that I didn't approve to have open at the time the application was submitted by the dentist office. On XXXX of my calls, which I recorded, Comenity informed me that I had called to have this account closed, to which I had informed them I never called to have the account closed and that I now consider that to be fraudulent and it should be investigated and reopened since I didn't make that request. Comenity instead tried to have me log-in online and then transferred my call to the dentist office that wrongfully opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: AES/PHEAA
State: PA
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 husband and I were advised by the Department of Education and American Education Services to apply for a Spousal Consolidation Loan in 2005. We were not informed that the DOE was about to pull the plug on these XXXX loans, and they would no longer be recognized by the DOE. These loans are not eligible for Public Service Loan Forgiveness like Direct Loans are, and they are not eligible to be reconsolidated into a Direct Loan. We would never have done this Spousal Consolidation if we had known this information. I only had {$6000.00} in loans, but my husband had XXXX. At this point, we have paid XXXX, and owe XXXX due the 7.5 % interest rate on this loan. If the loans were able to be separated and reconsolidated into a Direct Loan, my husband 's portion would qualify for Public Service Loan Forgiveness. He has worked in qualifying employment for over 13 years. Please help correct this horrible situation!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a charge account with XXXX XXXX XXXX XXXX. I paid my bill every month on-line through my bank app on the second of every month. I got a notice in XX/XX/XXXX that my payment that my payment was {$14.00} and instead of making an over-payment by continuing my {$50.00} payment I paid {$14.00}. When my statement came in XX/XX/XXXX, it had me owing over {$40.00}. I called the customer service and spoke with someone who told me I was being charged {$25.00} late fee and that I needed to pay {$8.00}. This all occurred the first week of XXXX. I asked the rep to waive the fee and I told him I would go into my local XXXX store and pay the {$8.00} ( XX/XX/XXXX ). 
I went on-line to ensure the store rep told me the truth and I still saw my balance was over {$40.00}. I phoned back and spoke with a different person ( female ) and she verified that my account balance was {$8.00} and the late fee was waived. 
In XXXX I received another bill doubling the fees and I phoned again and this time I was told because I paid on XX/XX/XXXX instead of XX/XX/XXXX, I owed more fees. I told the rep I had been a loyal customer and paid bill on time and I have no intention of paying any late fees especially when I only owed {$8.00}. 
We are retired and our in-come helps care for my spouse and I and I refused to be " nickel and dimed '' to death for no good reason. Now the present billing statement is over {$300.00} plus I have gotten hundreds of unknown calls from XXXX XXXX XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief