BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: WELLS FARGO & COMPANY
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom it may concern, On XX/XX/XXXX i received a text message alerting me that my card was been used. 

I immediately called Wells Fargo ( XX/XX/XXXX ) around XXXX Customer care agent told me that I have nothing to worry about no transaction recorded at the moment. on XX/XX/XXXX i notice my statement has {$6900.00} of a purchase at the CHANNEL STORE # XXXX in XXXX I called WELLS FARGO ( XX/XX/XXXX ) and they ask a few questions told me that a case will be open for investigation. Adjust my account removing the fraudulent charges on XX/XX/XXXX just to put the charges back the same day. 

Call back WELLS FARGO on XX/XX/XXXX and they said the investigation didn't go on my favor because they know for a fact that I did authorize the transition this statement is not True. I have explained so many times to Different agents that it was not me i was in the State of NJ when this was happening in the state of New York. 
Ultimate they have advised me that I am responsible for charges and i have to pay. this is not a fare investigation ; I can't be responsible for something I didn't do plus being accused of fraud myself when I am the victim. 
if you need additional information for this to be solve, I am open to provide please reach out to me. 
Thank you.

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 monetary relief
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Subject : Request for Removal of Late Payment from Consumer Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter concerning a late payment on account number XXXX from XXXX XXXX XXXXXXXX that is currently appearing on my consumer credit report. Based on my understanding of the law, as stated in 15 U.S. Code 1681a - Definitions ; rules of construction, I believe that this late payment should be removed from my credit report.

According to the aforementioned section of the U.S. Code, the term " consumer report '' does not include a report that contains information solely as to transactions or experiences between the consumer and the person making the report, except as provided in paragraph ( 3 ) and subject to section 1681s3 of the same title. As such, I contend that the inclusion of this late payment on my consumer report violates the exclusion outlined in the law.

I kindly request that you review my account and remove the late payment from my credit report in accordance with the aforementioned legal provision. As the late payment falls within the category of a transaction or experience between myself and XXXX XXXX  XXXX, I believe it should not be considered part of my consumer report. 
I understand that accurate reporting of credit information is vital for maintaining the integrity of credit reports and ensuring fair assessments of consumers ' creditworthiness. I trust that Transunion, as a responsible and reputable financial institution, shares these principles and will take appropriate action to address this matter. 
I kindly request that you provide written confirmation of the removal of the late payment from my consumer report within [ 30 days ] of receiving this letter. Additionally, I would appreciate your assistance in ensuring that any necessary updates are made to the credit reporting agencies to reflect this change accurately. I am documenting this notice as evidence that I brought this to your companies attention just incase I have to sue in court for violations that is being committed.

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 2022-10-28
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I believe that I should qualify for the XXXX as I have made over 120 eligible payments. I submitted all of the required documents ; however, XXXX did not count many years of my eligible work. The loans were recently transferred to Mohela, and I continually try to contact them to ask why all of my payments are not being shown but I can never get a hold of anyone. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: National Commercial Services, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted XX/XX/XXXX by XXXX at National Commercial Services related to a car rental claim paid by XXXX for a fender bender in XX/XX/XXXX. I chose not to file with XXXX XXXX, my insurance company, to keep my rates down and paid for all car repairs and a rental car directly. After checking with the other party and her XXXX agent, on XX/XX/XXXX I spoke with XXXX at NCS and emailed him a copy of the credit card statement which showed XXXX and the other party 's name requesting he close the collection. He called today XX/XX/XXXX and left me a message threatening to have my drivers license revoked if I did not pay. When I called him back, he confirmed he had received the email and evidence of payment to XXXX, but continued to push for collection. I considered him threatening and rude. When I told him I paid for the repairs and rental, he said " XXXX doesn't repair cars ''. I told him not to get smart with me, I paid both the shop and XXXX. After he kept going on about this and that, I told him the charge was bogus and I wasn't paying anything. Eventually he said he was closing their file and XXXX would deal with me directly, still threatening, then hung up on me. I am also notifying the DMV to head off any suspension of my license based on this false information since in my state, insurance companies have that power.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: TN
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 lived in XXXX XXXX XXXX between XXXX and XXXXXXXX XXXX My one bedroom apartment rent was {$340.00} which totaled {$4000.00} per year, making the entire 30 months occupancy totaled to {$10000.00}. There was no single month that I did not pay my monthly rent of {$340.00} and my continued occupancy was a clear testament to this, because I wouldnt be allowed to stay if I fail to pay a single month since the rent was month to month. I wouldve been evicted right away. And that being the case, the amount of {$4000.00} plus that is reflected on my credit report from this company was so inaccurate that it almost amount to the entire one year of tenure in this said apartment managed by the company named above. I have never abandoned the apartment at any given time, nor did I ever fail to pay a single month. All the tenants vacated the said property at the same time, because we were all issued an official notice letter that the property is being sold to a new developer who intends to do renovation and therefore by XXXX of XXXX the entire property needs to be vacated and there are still tenants in town that can attest to this fact since there was up to 7 apartment in one house and all were ninth to month payment. And we all left at the same period ( XXXX of XXXX ). 
I was checking my credit account the other day and I have found out that there is an outstanding account from XXXX XXXX, I decided to contact XXXX XXXX to see how is it possible that I have almost one year unpaid rent on my credit report when I was paying everything until we all left in XXXX, the lady that picked up the phone kept saying Yes, you didnt pay, yes you owed it, repeatedly and before the conversation goes ugly, I decided to tell her okay I will go ahead and file complaint and dispute this, since she was not ready to listen to me, instead of answering my question where did those numbers come from, which months are they, and how was I able to live in there continuously for one year without paying a single month and never was evicted since the amount reflected on the account is equaled to almost one year of rent. And she instead went defensive and aggressive on the phone, they should have the phone record of our conversation, and she was never able to provide me reasons why I have such inaccurate account. I told her then if you do not have answer to my question then I thank you for your time I will just go ahead and dispute this account because it is in accurate as far as I know.

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 2023-10-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a dispute with CITI for a credit card ending in XXXX back in XX/XX/2023. All the disputes have resolved except for a few. The disputes that have not yet been resolved are : {$560.00} XXXX on XX/XX/2023 and XXXX XXXX on XX/XX/2023. 

They have provided temporary security credit but as of XX/XX/XXXX, they still have the investigation open. They let me know on XX/XX/XXXX, they have no been able to reach the merchant XXXX What is frustrating is that all other transactions from this merchant have been disputed and investigation closed as fraud except for the above XXXX. As I told CITI multiple times, through their Executive Response team, that I have not used XXXX and I have not travelled to XXXX, where this charge was made. I can prove this easily via my XXXX XXXX card, a federal program that tracks where travellers go and provides them with easy access to other countries. I have not left country ( as proven by them ) and yet these charges are still under investigation, when its clearly fraud. I was making charges in California same day as these XXXX charges in another country were made by a fraudster. Clearly, Fraud! 

Its been over 90 days since CITI has been working on this, well past the FEDERAL LAW WHICH STATES : " Within 90 days of getting your complaint, the issuer must resolve the dispute. '' ( this is from : https : //consumer.ftc.gov/articles/using-credit-cards-and-disputing-charges # exercise ). 

They are in total violation of the federal consumer law that protects me from credit card fraud. I require a permanent refund/credit for the amounts above from XXXX and the investigation to be closed. I am totally unsatisfied by how slow this process has been, despite escalations and multiple complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-06
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 fraud alerts or security freezes

Complaint:
Transunion has placed a fraud alert on my credit file for 7 yrs which is hurting my ability take a loan, credit facility.

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 2022-10-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX 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 : 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 2023-08-10
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX has already removed XXXX XXXX on my consumer report but Experian failed to do so. This is a follow up dispute to both Experian and XXXX XXXX to remove the Accont off of my consumer report or i will sue for furnishing inaccurate information on my consumer 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 2018-05-16
Company: JPMORGAN CHASE & CO.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card was charged unlawfully, on XX/XX/XXXX at XXXX XXXX and on my return to US next day I filed a formal complaint and request those charges to be removed from my account. Credit card rep. on the phone agreed, opened a case and reversed those charges until they were investigated. 
I did not hear back again from the credit card company until XX/XX/XXXX phone call, which was 107 days later than the dispute was opened. 
I was told that charges were going to be put back in my statement in 48 hours,  and they did. 
I was under the impression that this case was resolved and that was the reason charges were out. When I read my billing rights I saw it states clearly that any dispute needs to be resolved in 90 days or less. 
My rights as a consumer were violated, and not getting back to me in a timely manner weakened my hand to collect necessary info, or act on the time sensitive case. 
I wrote to them XX/XX/XXXX and requesting removal of baseless charges from my account, but after 13 days passed charges are still on my account, and again no answer from credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: IL
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:
There are plenty of incidences of noncompliance with mandated reporting criteria, thus the data in my report isn't accurate and comprehensive! Having stated that, I refute your claims and challenge you to show me that you have the authority to release this inaccurate, misleading information to my credit report. 
15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 
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 2019-04-11
Company: INVESTORS BANK
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/2019 - I went to Investors Bank  located in XXXX, New Jersey at XXXX XXXX   to cash a bank Certified Cashiers Check from XXXX XXXX. ( routing number XXXX ) XX/XX/2019 - I went to Investors Bank located in XXXX, New Jersey at XXXX XXXX to make a withdraw from my savings account and I was told by the bank teller that I had a bounced check for {$2500.00} and a {$15.00} service fee for the bounced check. I was told by the bank teller that the reason for the bounced check from XXXX XXXX  was forged. 

XX/XX/2019 - I was told by the branch manager of Investors Bank that they could not do anything for me and that they were not liable. However, Investors Bank was responsible for depositing the check. Investors Bank in XXXX said that I should file a police report. 

XX/XX/2019 - A police report was filled with XXXX Police Department. Investigation pending. 

XX/XX/2019 - Investors Bank located in XXXX gave me a copy of the forged check and told me that XXXX XXXX has to file a forged endorsement claim. 

XX/XX/2019 - XXXX XXXX  branch office in XXXX Pennsylvania said that it is Investors Bank responsibility to fill out the forged endorsement claim. 

XX/XX/2019 - After my previous claim # XXXX XXXX bank said they are not responsible. Investors Bank said they are not responsible, XXXX XXXX  said they are not responsible. Neither one of these banks has stepped up to help me out. I could call Investors again and they are gon na blame XXXX XXXX. 

WHO IS RESPONSIBLE?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
Went to go get a student loan as I am a current XXXX XXXX in college and I was denied due to adverse information on my credit report. 

Knowing this should not have been the correct information I reviewed my credit report and had seen these accounts by Citicards NA and XXXX XXXX. 

I have contacted the office of the Attorney Generals office of CA XXXX XXXX, which I filed a theft report with along with the Federal Trade Commission and the XXXX XXXX Police Department. 


I certified with all 3 Federal and State Agencys that under the law or Perjury I certify all is true and correct, I am the victim of fraud that took place with CitiCards NA & XXXX XXXX. 


Also I have contacted XXXX XXXX of the XXXX XXXX   to help me in the event that I need to file paperwork with the XXXX County Court.

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 2023-12-03
Company: EQUIFAX, INC.
State: AZ
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:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted.

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Rocket Mortgage for a cash-out refinance loan. 
They provided me with terms and I communicated that I was not interested and found a better solution. 
Since that time ( 2+ months ago ), they continue to call me about every two hours between XXXX XXXX and XXXX XXXX. 
I am logging in a harassment case. 
They have some kind of robo-calling campaign and its harassment.

Company response to consumer: Closed with explanation