BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
-My ex-wife filed for bankruptcy on XX/XX/XXXX. 
-I was notified via mail on XX/XX/XXXX ( see attachment ). 
-I co-signed on a XXXX XXXX XXXX  credit card for her while we were married. This card was to be used for the children. Each person was responsible for their own charges on the card. Charges relating to the children were to be split. This statement is documented in our divorce decree ( see attachment ). Divorce was finalized on XX/XX/XXXX. 
-I was never asked for any payment from her in regards to the kids, nor was I ever informed about any charges made in regards to the kids. 
-I have tried to mitigate this issue myself by speaking with XXXX XXXX XXXX  on numerous occasions over XXXX. I requested statements to view the charges and I requested a copy of the original signed application and was denied. They refused to supply me with any paperwork. 
XXXX XXXX, XXXX I hired a legal representative to assist in this issue ( see attachment ). XXXX XXXX XXXX  refused to work with the law office as well, and stated that the law office would need Power of Attorney in order for them to release any information. The response letter from XXXX XXXX XXXX  sent to my lawyer was not addressed to me, rather it was incorrectly addressed to my ex-wife ( see attachment ). 
-My credit report shows a derogatory mark because of her bankruptcy. 
XXXX XXXX XXXX XXXX  account number with the derogatory mark is not the XXXX XXXX XXXX  account I co-signed. 
-I do not have any connection or affiliation with the XXXX XXXX XXXX  account that reflects a write-off. 
-I did not authorize or co-sign on another XXXX XXXX XXXX  account. 
-I respectfully request that this derogatory mark be immediately and permanently removed from my credit report and reflect equally at all three credit bureaus.

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 2018-02-26
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX : XX/XX/XXXX I am on a fix income and get paid once a month. Two times one in XX/XX/XXXX amount of {$53.00} dollars was deducted from my account from a closed account I closed a month earlier, second time {$48.00} was deducted from my account XX/XX/XXXX by a business I did not even know are agreed to.I had only ten dollars are less, but the bank, ( US BANK ), still  deducted the fees and charged me a {$73.00} dollar overdraft, ( THAT I DID NOT ASK FOR ) .They should of called me are not even allowed this without my approving.I called them at the fraud hot line to report I error, they said the second charge, ( {$48.00} ) would be taken off, ( I CALLED US BANK ON XX/XX/XXXX ) and still the charge went through.I have no overdraft agreement so nothing should have been done.

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 2020-07-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
-My ex-wife filed for bankruptcy on XX/XX/XXXX. 
-I was notified via mail on XX/XX/XXXX ( see attachment ). 
-I co-signed on a XXXX XXXX XXXX credit card for her while we were married. This card was to be used for the children. Each person was responsible for their own charges on the card. Charges relating to the children were to be split. This statement is documented in our divorce decree ( see attachment ). Divorce was finalized on XX/XX/XXXX. 
-I was never asked for any payment from her in regards to the kids, nor was I ever informed about any charges made in regards to the kids. 
-I have tried to mitigate this issue myself by speaking with XXXX XXXX XXXX   on numerous occasions over XXXX. I requested statements to view the charges and I requested a copy of the original signed application and was denied. They refused to supply me with any paperwork. 
XXXX XXXX, XXXX I hired a legal representative to assist in this issue ( see attachment ). XXXX XXXX XXXX refused to work with the law office as well, and stated that the law office would need Power of Attorney in order for them to release any information. The response letter from XXXX XXXX XXXX sent to my lawyer was not addressed to me, rather it was incorrectly addressed to my ex-wife ( see attachment ). 
-My credit report shows a derogatory mark because of her bankruptcy. 
XXXX XXXX XXXX XXXX account number with the derogatory mark is not the XXXX XXXX XXXXk account I co-signed. 
-I do not have any connection or affiliation with the XXXX XXXX XXXX account that reflects a write-off. 
-I did not authorize or co-sign on another XXXX XXXX XXXX account. 
-I respectfully request that this derogatory mark be immediately and permanently removed from my credit report and reflect equally at all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian did not provide name, contact information or documentation for the data furnisher in response to my Method of Verification Letter.

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 2021-05-03
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Direct Deposit scheduled for XX/XX/15 and never received was told by company it would be fixed by XXXX and several people have gone days with no deposits after being promised it would be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I have sent my first letter regarding invalid and unapproved things on my credit report. As of today, I have tried calling, sending a second letter on XX/XX/XXXX, as well as disputing items on Experian 's and XXXX XXXX websites. It has been over 60 days since submitting my first letter to Experian and XXXX  and I have not received a response to my request to remove all invalid and unapproved items that are causing me stress, anxiety, and worry. I feel that Experian has violated my rights according to 15 U.S.C. 1692g, U.S.C 1691e ( b ), 15 U.S.C. 1681. I would like Experian and XXXX to look into these items that are incorrectly showing on my created report as soon as possible. I am asking that these items be removed from my credit report as I will be seeking litigation to protect my rights. I would also like an updated copy of my credit report with the removed items to be mailed to my home address.

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 2020-07-08
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The creditor XXXX XXXX XXXX and collection agency and XXXX   are attempting to collect an expired debt that is over 4 years old. Date of last deliquency is XX/XX/2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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: Investigation took more than 30 days

Complaint:
A letter was sent XX/XX/2021 disputing two collection agency collecting on the same account reporting open with a balance which is XXXX XXXX. 
Today date is XXXX,46 days late and I still aint heard nothing from them which is a violation FCA , section 611 ( a ) ( 5 ).

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 2018-10-17
Company: Experian Information Solutions Inc.
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:
There is a error on my credit report with Experian, They are reporting a charge off account with XXXX that does not belong to me. I have submitted a dispute along with a letter from XXXX confirming that the account does not belong to me and should be removed from my credit file. 

Out of all 3 reporting companies, Experian is the only one that has failed to remove it 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 2020-08-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On approximately Thursday Saturday XXXX XXXX, I tried to access my JP Chase mobile app with my username and password. Once I put in my user name and password, a screen popped with a screen message called Disclosures and Agreements. Apparently chase bank will not allow you to access your accounts on the app on my phone and desk top unless I sign the Disclosure and Agreements. I did not discover this until that Thursday morning  when I was running off to work and I needed to get gas. So the choice was to check off that I was going to sign this agreement without reading it just so i can see what's in my account to pay for gas. And the agreement is in extra fine print and full of legal terminology that only an attorney can truly understand. So I went back home got cash from my wife returned to the gas station, got gas and got to work late. My question is why doesn't chase give you the option to bypass this screen so you can see your money and be able to go back to this screen and read these Disclosures and Agreement when you are not under pressure to sign which amounts to signing something you may not fully understand or under duress. It's almost of form of coercion. So later that day I stopped at a branch to ask for some help or clarification. They explained to me that this Disclosure and Agreement is made available to new account users or those people who recently opened an account with Chase and online. I have been with Chase for over twenty years ( I actually can not wait to be done with this bank ) and I have been using the mobile app for years now. So this Disclosure and Agreement shouldn't apply to me. But somehow right now, It's  affecting me. This past Wednesday XX/XX/2020, I had to leave home and drive to a nearby branch to access and transfer money to pay my daughter 's college tuition. This is a serious inconvenience. You're at an atm dealing with money and you're conducting your banking which is very dangerous because you're dealing with money and your attention is divided between account transactions and your surrounding. Who knows who's watching you. Why do I need to sign this Disclosure and Agreement before I can access my account? Are they allowed to do this? And why don't they give users the option to bypass this agreement until they have time to settle down and properly in their convenience review and sign or opt out or not sign this Disclosure and Agreement?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: AES/PHEAA
State: NC
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 have reviewed a copy of my credit report and I show company FEDLOAN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My direct deposit is and still is delayed as of this moment. My bills are past due and I can be put out any moment and have no money for food or to pay my phone bill. This is disgusting and so inconvient!

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 2020-10-15
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:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE STOLE AND USED MY SOCIAL SECURITY NUMBER AND PHOTO ID THESE ACCOUNTS ARE FRAUDULENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2021-05-03
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX Collection Dept. 
Acc # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Last year I noticed a collection account for XXXX XXXX on my XXXX  and XXXX XXXX Credit reports. In 2020 I never went to XXXX XXXX and never received a bill from XXXX XXXX. After contacting the collection agency and disputing this false claim, I have been unsuccessful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am being sued by Midland Funding LLC, in the State of California. Their lawsuit against me violates their recent court order for Case # XXXX between the Bureau of Consumer Financial Protection v Encore Capital Group , Inc. ; Midland Funding LLC ; Midland Credit Management Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: SUNTRUST BANKS, INC.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I applied for Suntrust 's Home Preservation program last year when I was on XXXX. After finding out the specifics of the program, I asked to be removed. I have asked again this past Spring and was told I was going to be removed after 6 months which would have been XX/XX/XXXX. My mortgage is not 30 days behind. I made my XX/XX/XXXXpayment on XX/XX/XXXX. On XX/XX/XXXX I received a call from the Home Preservation program. When I call in they say they are attempting to collect a debt. I have asked more than once for them to stop calling me and have messages asking to be removed from the program. This is harassment.

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 2020-08-24
Company: Early Warning Services, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX inaccurately reported information to a Consumer Financial Protection Bureau called Early Warning ( Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX : ( XXXX ) XXXX ). XXXX XXXX wrongfully reported that I committed banking fraud when I have never written a bad check, nor have I ever conducted any unlawful or illegal activity with any bank. I reached out to XXXX XXXX XXXX  quality assurance department on XX/XX/20 by calling XXXX. I spoke to XXXX who aggressively attacked me. She made a very racist joke about the political organization, Black Lives Matter. She stated " well all bank accounts matter '' when I asked for a supervisor. XXXX XXXX  has a long history of racism and hostility toward their clients and hit is very well documented online. I will list a few links in this complaint : ( XXXX XXXX XXXX 
XXXX & XXXX & XXXX ) ( XXXX XXXX XXXX  ) ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have been using a XXXX XXXX XXXX credit card for over two years now. Since XX/XX/2018, XXXX   XXXX XXXX has been reporting a general remark to the credit agencies that states 'Dispute resolved ; reported by grantor '. 

Due to this remark, my credit score has been badly affected, dropping by close to XXXX points. Upon inquiring with XXXX XXXX XXXX, I have been confirmed on multiple occasions that there is no dispute on the account and never has been a dispute on the account. However, XXXX XXXX XXXX again reported the same remark to the credit bureaus. 

I have spent hours on the phone and in person with XXXX XXXX XXXX 's personnel and every single person I have spoken to has failed to identify a single issue with my credit card account and have confirmed that there has been no activity that could result in such a remark being reported. 

On a letter dated XX/XX/2018, I was advised by XXXX XXXX XXXX that they have removed the remark from my credit, however, the same has been reported to credit agencies in XX/XX/2018. 

I am being harassed by XXXX XXXX XXXX and their inefficient employees. 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 2021-04-24
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, my mortgage was transferred ( sold ) to Nationstar dba Mr. Cooper. On Saturday, XX/XX/2021, the new mortgage servicer ( Nationstar dba Mr. Cooper ) withdrew {$12000.00} from my primary checking account without authorization. According to my bank ( XXXX XXXX ), this is a widespread problem affecting lots of Nationstar Mr. Cooper account holders. Unfortunately for me, thanks to Nationstar Mr. Cooper, I now have a negative balance in my checking account of over $ XXXX that I have to deal with. I'm reasonably sure that there are laws that don't allow debt holders to withdraw funds without authorization, which is exactly what happened here. Please note that I am current on my mortgage in all respects : No late payments ( ever ). Plenty of funds in the mortgage escrow account, etc. All taxes and insurance premiums are paid up, etc. No other liens are on the property. My standard monthly payment is just under {$1900.00}. So needless to say an unauthorized and unexpected withdrawal of {$12000.00} from me to Mr. Cooper warrants a complaint and an investigation.

Company response to consumer: Closed with explanation