BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have previously reported this problem and the company 53rd responded that their investigation indicated that I did make the charge of {$36.00}. I deny this. I DID NOT MAKE THIS CHARGE. My account was hacked which they admit and closed my account. Furthermore my limit was {$21000.00} so how would they bank let me charge that much over the credit limit. There is no security camera showing me do this nor is there any document thety can produce that I signed for those funds. Why? BECAUSE I DID NOT EXECUTE THOSE TRANSACTIONS NOR WILL I ACCEPT RESPONSIBILITY FOR IT. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Leading Edge Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Call comes in daily between XXXX  & XXXX XXXX  even after the number has been put in my phone 's block call list. I have also called back that number and they claim that they are not initiating the call. But I don't have any debt and I keep getting DAILY calls from XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Have complained and disputed twice now with Trans union about an Error with a lender ( XXXX XXXX ). They have not been in communication me nor has resolved the issue. This issue was resolved almost immediately with XXXX and is currently being disputed with XXXX. They have all relevant documents needed to rectify the matter and not sure what the hold up is.

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 2023-06-03
Company: Experian Information Solutions Inc.
State: MI
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 my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX, MI XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$870.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX Bankruptcy : XXXX Date Filed/Reported : 09/02/2016Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXXBalance : {$430.00} ; XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXXBalance : {$910.00} ; XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXXBalance : {$160.00} ; XXXX XXXX XXXX Balance : {$140.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I filed a dispute with Equifax due to there being two fradulant credit cards issued, and charged off to collections in XXXX. EQuifax accepted the initial dispute and advised that it could take up to 30 days for the dispute to be completed. On XX/XX/XXXX, I received an email from Equifax advising that the dispute had been completed and I could log in to their site to review the dispute. However, when I logged in to the Equifax site to review the dispute status there is a link for viewing the status. When I click on the link I receive a message advising that " We are sorry, your results PDF is unavailable to view at the moment. '' and displays a toll free number to call. I have called this number three times since XXXX in efforts to receive this but keep going in circles as they state that they can not email or fax the resolution and can only mail the resolution, which they have tried three times but have not been successful. 
What are my rights as a consumer for correcting this issue? 
There is also a severe language barrier as all I speak is english and the persons answering the phone have a deep XXXX accent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: FISERV INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I opened a XXXX XXXX XXXX account and savings account online on XX/XX/2021. As soon as I opened it it gave me the option to fund my bank accounts via direct deposit from my current bank. I direct deposited {$2000.00} into my XXXX checking account and {$20000.00} into my XXXX savings account from my current bank, XXXX. It left my XXXX account on XX/XX/2021. I received the funds in my XXXX account on XX/XX/2021 and was able to see it in my XXXX mobile banking app. On the same day I received it, that night I received an email that my XXXX account is locked and to visit a branch. I visited a XXXX branch on XX/XX/2021 and they unlocked my account. My {$2000.00} deposit was in my XXXX checking account, but my {$20000.00} was gone from my XXXX savings account. They told me that I would see it back in my account later that day. It never came back. The next day on XX/XX/2021, I returned to the XXXX branch and they told me that XXXX  reversed the {$20000.00} deposit and it should be back in my Santander in 3 business days. I waited 5 business days and I still never received the {$20000.00} back in my XXXX account. I went back to XXXX bank on XX/XX/2021. XXXX said they didnt have the funds because it was sent back. They had me call XXXX and XXXX said they hadnt received any funds from XXXX. Then XXXX said they would have to call Fiserv, which they explained to me as the middle man between the two banks. I came back later that day to the same XXXX branch and was told that someone at Fiserv was assigned to find my {$20000.00} and a claim had been made. I was told I would hear back from them the following Monday. I never heard from anyone. I went back to the XXXX branch on XX/XX/2021 and they had me file a claim with XXXX bank. It is now XX/XX/2021 and I havent heard from either bank about where my {$20000.00} is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I noticed inaccurate items on my credit report over a month ago and sent a dispute letter requesting the items be removed from my credit profile. Now it's been over 45 days and these items have not been removed nor have I been notified of the investigation

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 2018-10-09
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loans originated on XX/XX/XXXX but was deferred until I completed school. My payments started on XX/XX/XXXX and my balance was {$100000.00}. Since XX/XX/XXXX I have been making {$870.00} payments ( more that the minimum amount ) without missing any monthly payments. On XX/XX/XXXX XXXX XXXX was added in the amount of $ XXXX.I immediately called and opened up a case. I spoke to numerous people over time including managers and supervisors who agree the amount was falsely added and therefore needed to get corrected. Until then, I would still need to make payments and when this is corrected, the appropriate interest I have been overpaying will be applied back to my principle. I continue to call and either I am left on hold for 50-72 minutes where I later hand up or I get someone who doesn't know the situation and will investigate and get back to me. I never hear back. Each month I see huge differences in the amount applied to interest and principle with no consistency or following of any payment application rules. I am at a loss dealing with an organization that has no concept of customer service or responsibility to the people they service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 my mobile phone was stolen. The thief was able to access my bank and credit accounts at JP Morgan Chase Bank and made fraudulent transactions. The credit card issues have already been resolved. However, the fraudulent transactions the thief made involving my bank accounts at JP Morgan Chase Bank have yet to be resolved. 

Using the stolen telephone, the thief or thieves were able to access my savings account and checking account. They transferred my money in saving to checking and then made a {$2000.00} XXXX transaction, made a {$3800.00} purchase at an XXXX XXXX and bougth XXXX currency through XXXX in the amount of {$2200.00}. I filed a police report with XXXX XXXX XXXX Police Department and filed a claim with the banking institution advising them that these transactions were not authorized and were fraud. 

The bank has failed to reimburse me for the transactions and instead has essentially accused me of making a fraudulent claim and filing a false police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I noticed inaccurate items on my credit report over a month ago and sent a dispute letter requesting the items be removed from my credit profile. Now it's been over 45 days and these items have not been removed nor have I been notified of the investigation

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 2019-09-03
Company: CITIBANK, N.A.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been charged a Debt Protection fee from best buy and citibank. I never agreed or was told about this protection. I have protection through my work so I would never need additional protection. I have never been contacted by Citibank or Best Buy to receive refund. I can only see my statements from Best Buy from present to XX/XX/2017. I can't go beyond that to see how far the irroneus fees go. The fees range from XXXX to XXXX. The phone number associated with this fee is XXXX. It has been 4 years since Citibank was directed to repay customers and I haven't heard a thing.

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 2023-09-07
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 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 non-monetary relief
Consumer complaint received 2023-06-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Bank ) 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 non-monetary relief
Consumer complaint received 2020-08-14
Company: Exeter Finance Corp.
State: IL
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 been asking Exeter to provide me more information on a account that they been reporting on my account for 6 years Been asking and calling since XXXX 2020. With no response. Was asking for contract. Payment history and what the vehicle was sold at a auction. Paper work from auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 been asking XXXX to provide me more information on a account that they been reporting on my account for 6 years Been asking and calling since XXXX 2020. With no response. Was asking for contract. Payment history and what the vehicle was sold at a auction. Paper work from auction.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: MO
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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 2020-08-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I previously emailed The Department of Education and they referred me to this government agency. 
My granddaughter " graduated  '' from XXXX University this spring. She didn't get a graduation at her school or any refunds due to closing school and no graduation. 
During the four years my granddaughter had student loans with Wells Fargo. I am XXXX and I am a cosigner on her loans. 
My granddaughter was XXXX XXXX of her class and was an XXXX  student. To date she has been unable to find a job. Her school has been no help. 
Her loans will come due in a couple of months. Of course Wells Fargo continues to charge interest. 
Wells Fargo has refused to follow the President 's requirements for government student loans. 
Even though our student loans are private, it should make no difference. The government is using tax money to help those with federal student loans. If federal student loans are being helped so should private student loans. 
It is doubtful, through no fault of her own, my granddaughter will not find a job soon enough to have income to pay her student loans. I am on a fixed  income   and will not be able to pay them. Since there is no bankruptcy protection my granddaughter will be hounded by Wells Fargo and her credi score will be ruined. The same will happen to me. 
The President must treat federal and private student loans the same. He is using our tax dollars for federal student loans but not for private student loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been to Bank Of America several times and have tried to notify corporate about the equity line of credit that was paid XX/XX/2020 and it still shows a balance of {$220000.00}. Bank of America has responded to XXXX  and states that it is still owed even though Bank of America shows that it is paid off. 
I have disputed this several times with XXXX only to have the same results. 
This is affecting my credit rating and I can not get it resolved.

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