BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They just closed my account for no reason this was years ago and I was receiving my SSI benefits

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 2017-08-07
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a phone call, then was placed on hold. I was informed this is in regards to an alleged debt I am not responsible for. Also, the alleged original creditor is NOT listed on any of my credit reporting files. Note : the address mentioned in the attached letter has been updated to my current address. Current address has been in effect since 2014. Also, my credit reports are frozen, which prevents unauthorized parties from viewing my credit files without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: AMERICAN EXPRESS COMPANY
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:
On my credit report, it shows that I owe Amex around {$2000.00} that I paid off over 2 weeks ago. This balance is skyrocketing my credit card utilization and impacting my score heavily. I am XXXX years old and last month was my first month in 2 years that I made a late payment due to my wifi being down for a week. Now my utilization is down to 97 %. This is HEAVILY affecting my credit score and diminished my chances of getting a house for my family. 

I have paid off the balance and have 2 very good cards with Amex and need them to pardon the late payment from last month since that will never happen again and they are ruining my score. My credit score used to be 700+ and this one error has brought me down to the 500s. Please fix this issue asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Over 30 Days today since Ive sent documentation on XX/XX/XXXX regarding to those unknown and inaccurate accounts on my credit report but I haven't received any reply. I was a victim of XXXX  Data Breach. I want all those account will be remove to my credit report or I will file a litigation.

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 2019-08-13
Company: EQUIFAX, INC.
State: TX
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:
This account was charged off in 2016 and was just recently reported on my credit. This account is closed and needs to be removed off of my credit from all three bureaus immediately. The amounts are changing & this creditor is applying balances when an account is closed. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Flagstar Bank, N.A.
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:
On XXXX XXXX 2017 at XXXX, I deposited {$1200.00} into the ATM machine of Flagstar bank in XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX , MI XXXX - in an effort to make a deposit into my account.
The machine said there was an error and returned my card and none of my cash back to me.
The machine was then placed unavailable and the screen said it was down.
I went into the branch office and told them what happened, they said they would call me at some point when the ATM technicians arrive to fix the problem.
I got no official paperwork verifying this complaint.
My account shows no deposit into my account in reference to this attempt to deposit cash at the ATM machine.
My checking account number is XXXX In a phone call where I complained about this to Flagstar bank the customer service agent gave me Reference number of XXXX  with respect to the phone call.
I made 4 deposits, XXXX XXXX dollar bills XXXX XXXX dollar bills XXXX XXXX dollar bills and then : XXXX XXXX  hundred bill, XXXX XXXX dollar bills, XXXX XXXX dollar bills, XXXX XXXX dollar bill It 's when I made that 4th deposit that the machine seemed to get stuck.
When I went into the branch office, one employee said, the machine says bill is jammed.

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 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a dispute to the credit agencies on an account that is not mine nor can be verified or validated and now there are two accounts collecting on the same debt. Please help this isn't right They accounts are showing XXXX XXXX XXXXXXXX XXXX creditor : XXXX XXXX XXXX XXXX {$1400.00} Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1400.00} Balance updated XX/XX/2021 This is not right at all. Please help

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 2019-08-13
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On my credit report it says debt owed XXXX dollars open XX/XX/2019. I have contacted the Midwest Recovery Systems several times. It is a robotic answering service. They have not issued me any notices in my mailbox with an account number. There for it could be possible fraud. Anyway my goal is to just get it taken care of. I want to reach a customer service person to verify it my bill. I researched the company I found Accreditation Revocation : On XX/XX/2019 this business 's accreditation in the XXXX was revoked by the XXXX 's Board of Directors due to its failure to adhere to the XXXX requirement that Accredited Businesses meet and abide by the following standards : 6D. Cooperate with XXXX in efforts to eliminate the underlying cause of patterns of customer complaints that are identified by XXXX. XXXX consumer complaints in three years I am not the only one. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
So the problem is Sallie Mae. Between XXXX I attended a FOR-PROFIT COLLEGE located in XXXX, CA. In total, I was charged more than {$24000.00} dollars. My education processes lasted 8 months ( or less ). 

Of the For-Profit College that I was originally encouraged to attend, was then named XXXX College. I was charged {$24000.00} dollars ( that was all taken in even before the first day of class ).  Included all student fee-wavers and student aid where all subject to be taking in by XXXX College. Since the first day of class, till the end of the remaining last month, the institution lacked the value of its representation. Its education method lacked intellect. And encouragement was misleading. It promotion methods about direct job training was misleading. Its assurance of a Job was lacking in fact. 

A few months after the end of the 8 month ( or less ) education process by XXXX College, I lacked the ability and the chance to find a job. 

Once I did apply, and was brought in ( 5 months after receiving a degree from XXXX College ), the skill and training required lacked the intellect support required. 

XXXX College became XXXX College that same year I was given a degree. ( Lacking support to a students education - trust and worth ). 

My education title was then - XXXX XXXX. 

After seeking for a job near-to 5 months after receiving my XXXX College degree ( XXXX College XXXX ), I receive a job. Four months later, I was terminated for lacking of XXXX  knowledge. Afterwards, I was notified that XXXX College no longer existed but was instead a new college called XXXX College ( XXXX College XXXX ). 

I was never able to climb or find a job with the education I. received from XXXX College. 
The staff and employees from XXXX College ( XXXX College XXXX ) who once told me of the value of education and assurance, where then avoiding or changing the policies they stood for. 

XXXX College XXXX applied for bankrupt. 

I am still being charged for an education that was defrauding students. 

Sallie Mae sold my information to Navient ( or switched to ) and Navient wishes me to pay the remaining loan money that XXXX College ( XXXX XXXX ) - XXXX College XXXX - originally charged me for. 

I was, with thousands of students, defrauded by a FOR-PROFIT College Inc. who assured every student, but now attempt to avoid any fault. Navient is ignoring the fact and using the means used by XXXX College XXXX to defraud students. 

NAVIENT is currently charging me for a fraud brought about by XXXX College XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected or removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2017-12-16
Company: EQUIFAX, INC.
State: FL
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:
On XXXX XXXX I tried to log start a dispute online but they ask my identification questions and I answer the question truthfully and they gave me an error message that the information was wrong. So i called them.If you guys asking me questions that dont have anything to do with me.How do you expect me to answer those questions. Anyways I called them in regards to these inquiries and spoke to a U.S. Representative and after speaking to that person about the identification question and my inquiries she stated that they will be remove and they are still there. This company willl allow people to run my credit illegally but take me through XXXX to remove them. These inquiries were unauthorized XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I opened a prepaid credit card and had the card for about a year, the limit of {$300.00}. you could not go over the limit because the card was setup that way, ran into a bit of work issues and wasn't able to make on time payments. Fifth 3rd bank decided it in their best interest to close the card, at which time the cards balance $ XXXX.they had my {$300.00} to clear the account but failed to do so, to this date they are still charging me interest and reporting to the credit bureau I now owe {$470.00} in late fees and over the limit fees. I called them and they try and say they can continue to charge me and report to the credit bureau, I am so confused how they can do this, I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
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: Information belongs to someone else

Complaint:
I have sent letters repeatedly to XXXX, Experian, and XXXX  asking them to validate and even show me their method of verificatiion for these fraudulent accounts on my record. I have sent numerous letters to the creditors and this bankruptcy court in XXXX, TN only to have my letter returned right back to me more than twice. I am reaching out to the CFPB for some kind of resolve before I seek legal action. 

The following accounts and inquiries are not mine : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX Bankruptcy Chapter XXXX - Dismissed - XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX 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 XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX 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 XXXX XXXX - 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 2018-07-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional 30 year fixed rate loan with Chase. Not high risk. They refuse to cancel PMI at 80 % stating that I need to be at 75 % due to XXXX XXXX guidelines. The loan is from summer 2015. My understanding is the homeowners protection act overrides any lender 's requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions Inc.
State: OH
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 requested the METHOD OF VERIFICATION multiple times with Experian, XXXX, XXXX  concerning this Bankruptcy that is reporting on my credit report. Per FCRA, Section 609 a ( 2 ) I am requesting to see what Experian, XXXX, and XXXX  used as proof to verify the bankruptcy. Experian, XXXX, and XXXX  has repeatedly sent me pre-made letters stating, " VERIFIED '' and the information was furnished to them through XXXX XXXX. This is impossible that Experian investigated this situation due to the fact I spoke with a representative of XXXX XXXX AT XXXX and XXXX XXXX STATED THERE IS A FREEZE DUE TO IDENTITY THEFT ON MY REPORT AND THEY DID NOT VERIFY ANY INFORMATION WITH EXPERIAN, XXXX, AND XXXX. 

Also, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states " ... if request by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, in the business name and address of any furnisher of information CONTACTED, meaning a LIVE PERSON NOT A COMPUTER DATABASE in connection with such information and the telephone number of such furnisher if reasonably available ... '' Credit reporting agencies are required to conduct investigations of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information not a third-party source such as XXXX XXXX. 

I will be sending a copy of this letter to the CEO of Experian. I will not accept any more pre-made responses from EXPERIAN!

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 2021-11-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$380.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} ASCENDIUM XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} ASCENDIUM XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-09-18
Company: Global Trust Management LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Received a call from XXXX XXXX XXXX at my place of employment. A woman named XXXX asked for me. I have talked to her in the past, and she has always refused to give me details about the debt and who the original creditor. She was left threatening messages to my relatives and stated that I will be arrested. Now she has been calling my work, and I need this to stop. This is an illegal practice and is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
BETWEEN XX/XX/XXXX I HAVE REACHED OUT TO XXXX, EQUIFAX AND XXXX  TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH EXPERIAN DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I did not receive my XX/XX/XXXX and XX/XX/2018 credit card statements, which meant I did not make my required payments by the due dates. After numerous conversations with credit services, Capital One acknowledged their mistake and vowed to update my credit reports to reflect no late payments. However, Capital One did not correct two of my credit reports and now it's adversely affect my ability to refinance my mortgage. I provided Capital One with the requested information however, they have not updated my credit report, as they indicated they would.

Company response to consumer: Closed with non-monetary relief