BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
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 got a notification on XX/XX/2022, that my score has dropped. So I immediately go check to see what it was. There was a missed payment on an account that is not mine. I disputed this account before and it was removed from my credit report. I didn't know it was added back to my report. Nothing was sent to me confirming this account was added back or even proof that this account belongs to me

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 Account Number : XXXX has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2017-07-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was charged a finance charge on a credit card balance. It was for {$1.00} XXXX dollar. I was marked as 30 days late on my credit report. The Card Issuer, Wells Fargo refuses to remove the 30 day late, now it has negatively impacted my credit score and I am bgoing to be rejected for the mortgage I have applied for. I would like Wells Fargo to remove the 30 day late from my credit file.

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 2017-07-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Pennymac is not acting in good faith, and are ignorant to my complaint, they are reporting a negative account under my name with no history. Despite several attempts to correct it and advising them that it 's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I added {$440.00} from my Bank Of America checking account to my XXXX XXXX It said declined from XXXX but withdrew the funds from my checking account anyway. No record on XXXX. I called in on XX/XX/23 to dispute the transaction and the original rep told me that it is covered under regulation E and that if there was no resolution within 10 business day I would recieve a provisional credit. 10 business days go by and I call in to BofA to get an update. I am now being told the original rep gave me misinformation and that in fact the transaction was not covered under regulation E. Some back and forth and I ask to speak to a supervisor. XXXX from XXXX said that she is sorry I misinterpreted what the original rep told me.Putting the blame on me. I said no, they certianly told me it was covered under regulation. I do some research on exactly what is this regulation and to me " electronic funds transfer '' seems to be covered. XXXX went on to say how services and digital goods are not covered. I asked her to point to me where it says that. She became irrate saying " its not her job to help me understand the bill. If I have a problem with it to take it up with congress because they are the ones who write them. '' I asked them to explain to me what guidelines are and why this isn't covered under electronic funds transfer. She just continued belittling me and putting the blame onto me and then hung up on me. Just blatanly lying to my face.

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 2019-12-17
Company: Io, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX XXXX, Hereby state the truth concerning this matter involving the following Reivable Management Systems, XXXX XXXX, and XXXX  credit bureau .On XX/XX/16, I was an patient at XXXX XXXX medical facility of XXXX , New Jersey XXXX XXXX XXXX XXXX.I have healthcare insurance which paid the majority of the bill, I was asked too pay XXXX co pay on my way out, as well as purchase my perscriptions I was force to buy from XXXX XXXX after countlessly explaining I have a perscription plan within my healthcare plan that was more economical than what they were imposing on me.I have receipts for all the services rendered that day.I left knowing everything was taken care of, Until i checked my credit and noticed a collections from Receivable Management Services in the amount of XXXX.I contacted RMS to verify the debt in question acct. # XXXX, RMS responded with a letter with inaccurate information. I have no contract with RMS nor am I confident they are license to conduct business in New Jersey State.XXXX XXXX claimed i owed an additional XXXX after i paid everything they asked of me that day.My insurance paid and I paid CASE CLOSE. No now this is on my XXXX   credit report a mere XXXX dollars that i do not OWE.Not only is it on my credit ruining opportunities for a mortgage, car loan, etc.ITS XXXX NO its XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just received a notice from XXXX XXXX XXXX, XXXX, a debt collector of American Express. This communication is to dispute owed of {$5700.00} from American Express. My card was used without my permission by my ex husband and charges were incurred by him and other persons. I have always paid my debt timely and American Express refused to take disputed charges off. As a result, my credit has been impacted and the debt was charged off and they refused to even file a claim. AMEX behavior violates consumer protection laws and the law firm is engaging in predatory debt collection practices. This is ridiculous, I want this deft off my credit ASAP. SO THIS IS MY FORMAL DISPUTE WITHIN 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions These three accounts need to be delete two are closed and I have a delete letter for XXXX XXXX accounts And the XXXX XXXX  account is fraudulent, police report number is attached

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 2021-12-13
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
I have sent a letter to all 3 credit bureaus to get my old information removed ( name, prev and incorrect address ). However they refuse to update my information.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I DID NOT GIVE ACCESS TO THESE PROCEEDINGS! Articles 15 USC 1681 B

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 2023-08-14
Company: Experian Information Solutions Inc.
State: NJ
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:
The following Hard Inquiries are NOT mine and i never gave permission or authorization to pull my credit : 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 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 2019-12-17
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LexisNexis is reporting false and inaccurate information about my driving history to my insurance company. By them reporting inaccurate information it has caused my insurance to triple the cost. Now i am suffering financially due to their inaccurate reporting. I have mailed and emailed copy of my Certificate of 3 years of Georgia DDS driving record to correct the issue but they haven't corrected this matter yet. They are clearly violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, XXXX AND XXXX ARE IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAVE INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE. 
ITEMS NOT MINE : XXXX XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX XXXX XXXX XXXX/XXXX/NOT MINE XXXX -- XXXX XXXX/NOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX XXXX  XXXX/NOT MINE XXXX -- XXXX   XXXX XXXX/NOT MINE XXXX -- XXXX/XXXX/NOT MINE XXXX -- XXXX/XXXX/NOT MINE XXXX -- XXXX/XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/XXXX XXXX -- U.S. DEPARTMENT OF EDUCATIOND/XXXX XXXX XXXX -- US DEPT OF ED/XXXX/NOT MINE

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 2018-10-19
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 90 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 
14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2020-01-24
Company: WELLS FARGO & COMPANY
State: MO
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:
Wells Fargo denied my credit application citing a reason that contradicts their own guidelines. This seems to be a discriminatory action, as explained below.

My recent application for a Cash Wise Visa card was declined. Reasons given in the decision letter of XX/XX/2019 are " Ratio of credit bureau trades with a balance greater than zero '' and Number of revolving bankcards reported by credit bureau. 

According to the credit bureau cited in the letter ( XXXX  ),  my credit usage is 2 %, my credit score is XXXX out of XXXX, and the report has zero negative items. In other words, I am a responsible consumer with decades of excellent credit history. When I contacted Wells Fargo, they said my credit usage was too LOW to grant new credit. 

However, HIGH usage of credit is the frequently cited reason for denial, and all financial institutions advise customers to keep credit usage to a minimum. XXXX XXXX own website states Stay on top of how much youve borrowed against your available credit and aim to stay well below your credit limit. Keeping track of your spending will help you avoid using the entire credit limit, exceeding your credit limit, or missing payments. Keeping your credit utilization rate below 30 % may help you maximize your credit score.

The letter goes on to provide solutions, which constitute working with Wells Fargo to improve my credit rating over time and learn to use credit responsibly. Considering that my credit rating is already exceptional per the same letter ( XXXX out of XXXX ), these statements make no sense. 

Thus, the reason cited for denying my application directly contradicts Wells Fargos own policy. 

When I pointed out this discrepancy, phone customer service said it was the credit bureau 's decision. Clearly erroneous, as the letter states the reporting agency was not involved in the decision. 

Then I contacted the Wells Fargo XXXXxecutive office ( my email attached ). The agent who called me back said it was due to the possibility of me using up the huge amount of my available credit and defaulting on it. 

There is absolutely no evidence of such a possibility, since my credit history is spotless. Thus it seems that the adverse action against me was discriminatory, based on race and/or national origin. ( Such discrimination seems standard practice with Wells Fargo, considering the number of lending discrimination suits brought against them in recent years. )

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 2019-12-17
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 I called Chase credit card company to tell them that my payment will not be able to be made until XX/XX/2019 even though it was due on XX/XX/2019. I informed the associate that I had lost my job and found new employment but will not get paid until XX/XX/XXXX. I told her that when I get paid I will pay the bill in full for two months - {$350.00}. She then said that she will notate the account to give me until the XXXX. I thanked her for her generosity and ended the call. At no time did she give me any other disclosures nor did I consent to anything regarding a payment. On XX/XX/XXXX I logged into my Chase online account and made my payment for {$350.00} with my XXXX XXXX checking account because I received my first paycheck. On XX/XX/XXXX I received a notice from XXXX XXXX ( whom I have a checking account with ) that my account was over drafted by {$150.00}. When I looked there were two payments for {$350.00}. When I logged into Chase it showed that an automated payment was processed XX/XX/XXXX and went through XX/XX/XXXX. This was without my consent or permission nor was I informed that she was doing that. Never at any time did she read a disclosure to me telling me that she was setting me up on auto pay. I manually pay my bills all of the time. I called chase and spoke to a male supervisor who informed me that because my credit card was over the limit, they couldnt guarantee me to get my money back into my bank account. I filed a complaint with chase around XXXX on Monday XX/XX/XXXX with that supervisor and then called again that evening on XX/XX/XXXX around XXXX and informed a female supervisor that I was going to file a complaint with the consumer finance protection bureau. In both cases - with the first supervisor and the second supervisor, they did not show any empathy or care for my situation - they only focused on my account being over the limit and did not seem concerned when I told them my account is over drafted as a result of this unexpected expense AND that the employee who set this up without my knowledge violated my rights by withdrawing money without my permission. I filed a claim with XXXX XXXX to help me because Chase was being uncooperative and did not want to help me. They agreed to waive any fees and reimburse me and I agreed to let them know if chase does anything to help me in the future ( but I highly doubt it ).

Company response to consumer: Closed with explanation