BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
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: Information is missing that should be on the report

Complaint:
I have filed previous complaints on Experian and I'm alleging the have a personal agenda to prevent me from raising my credit score. Here is another example. I tried to boost my credit score by signing up for Experian XXXX. I meet all of the qualification ; XXXX ( XXXX ) which I pay every month and is linked to my XXXX checking account. I have consistent payments for a total of 6 months from this same account. However, when I try to XXXX, it only shows one payment for the month of XXXX. Experian gives you the option to list all your payments if the system doesn't capture all of them. I have submitted these payments to Experian several times and it was never updated to XXXX. I believe XXXX can fix this issue if they wa n't to.

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 2022-11-01
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: MN
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:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 


Please erase from all credit/debt reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 I reviewed my credit report and found 30 days late payment on XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2020-12-30
Company: CCS Financial Services, Inc.
State: NJ
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:
on XX/XX/2020, CREDIT COLLECTION SERVICE added a derogatory mark on my credit report per XXXX XXXX. Upon further research, I am not responsible for this account. The creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send in a bill and say it is mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Company Inquiries : 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 2019-06-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
This is a situation that transformed at Chase Bank. Unfortunately, on XX/XX/2019 some recurring charges came in to my account and made my account insufficient so, Chase charged my account {$34.00} Twice. On XX/XX/2019 same situation took place and Chase charged my account another {$34.00} Twice. On XX/XX/2019 some transaction took place and put my account into a negative and Chase charged my account {$34.00}. The rest is as follow : XX/XX/2019 {$34.00} - XX/XX/2019 {$34.00} ( Three Times ). On XX/XX/2019 {$34.00} ( Three Times ). On XX/XX/2019 {$34.00} ( Three Times ).  The total of all the insufficient fund fees Total ( {$510.00} ). So all these excessive charges are done in less than a month. Unfortunately we all fall into a situation like this due to delay in deposited funds or hold that Chase places on checks or just simple oversight. I believe Chase should have a ceiling on how much they can charge in a period. I consulted with Chase bankers and they would not help. I am on fixed income and the funds that they confiscated is 50 % of my social security check. If all this deductions are not deducted from the account, there will be NO insufficient funds. for recurring charge of {$10.00} insufficient fund, Chase charges {$34.00} and so on and so forth. Chase should be more cooperative and understanding and not to excessively charge client account in this difficult and bad economy. I am on a fixed income and charging me {$510.00} for fees in one month is ridiculously absurd. I need your help in rectifying this issue with Chase and stop chase from overcharging the public. We are working hard to survive and pay our bills and not unethically to be given to Chase. I am on top my account and finances and usually if this issue repeated, I always add more funds to my account as needed. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was overcharged erroneous fees for my bank account from 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 2023-04-24
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I AM REQUESTING OMBUDSMAN OR BANKRUPTCY DEPARTMENT TO CORRECT MY ACCOUNT AS MY BANKRUPTCY CASE XXXX IS STILL OPEN. MR COOPER SYSTEM IS INACCURATELY REPORTING THAT MY BANKRUPTCY CASE CLOSED ON XX/XX/XXXX. STILL, MY ACCOUNT WAS MODIFIED DURING BANKRUPTCY XXXX XXXX  FOUR YEARS AGO WITH ME PAYING ON TIME UNTIL COVID 19 NATIONAL DISASTER. HOWEVER, I AM IN GOOD FINANCIAL STANDING AND QUALIFY FOR TRIAL MOD AND MET ALL THEIR REQUIREMENT STILL, THE INVESTOR THAT OWNS MY NOTE IS IGNORING MY FILE TO PUT ME IN HARMS WAY DESPITE PROVIDING FINANCIAL DATA TO THEM SEVERAL TIMES. 

I RECIEVED A LETTER AN XXXX SINCE XXXX AND RECENTLY A XXXX LETTER LETTER DATED XX/XX/XXXX FROM MR COOPER STATING A RESPONSE APPROVAL FOR TRIAL MOD BY XX/XX/XXXX. YET, MY ACCOUNT IS STILL PENDING GOING ON 9 MONTHS TO INTENTIONALLY PUT ME AND MY FAMILY IN HARMS WAY FORECLOSURE DESPITE 3 TIMES EMAILING PROOF OF {$22000.00} PER MONTH INCOME. I EVEN OFFERED TO PAY MR COOPER {$20000.00} OVER THE PHONE TO CATCH UP MY ACCOUNT AND THEY REFUSE MY MONEY PREFERRING TO FORECLOSE MY ACCOUNT. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX VETERAN WITH HONORS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I recently applied for XXXX XXXX Credit Card, the main purpose for the request was to obtain the promotion of {$0.00} transfer fee before the first 4 months. When I contacted on XX/XX/2017 the credit card company, they explained that they did n't have that promotion and will charge the higher of {$5.00} or 3 % for the transaction. I ended up accepting the charges. When I visit the website, there is a misleading promotion stating " 0 % intro APR for 21 months on purchases and BALANCE TRANSFERS '', while in small letters " There is a balance transfer fee of either {$5.00} or 3 % of the amount of each transfer ''. Its implied that when you make a balance transfer to a 0 % APR for 21 month credit card, you not going to pay APR for the balance on the credit card, if so what is the purpose of the transfer.

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 2022-03-03
Company: EQUIFAX, INC.
State: FL
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been trying to work on the fraud that occurred on my account in 2018. I have a credit card that has {$0.00} fraud liability and the company keeps insisting that I was responsible for the charges. 

I have been in contact with XXXX XXXX Research & Remediation Analyst, Executive Office for Wells Fargo. After many phone calls with XXXX, she was finally able to obtain some of the receipts from the many that were disputed. Of these receipts, there are more than 4 signatures that are radically different from how I sign all of my purchases. 

XXXX sent this back to the Fraud department for reconsideration and they have now ( twice ) just closed the case without reviewing the evidence and state that I must provide new evidence. 

I have given them the copies of the receipts showing that the signatures are radically different, including the fact that during two of the transactions that times were provided for, I was at work approximately 35 miles away from the location. 

The company has since and repeatedly put negative credit information on my credit report and has effectively ruined my credit because of this, causing my purchases of cars to increase from 2.54 % APR to over 12 % for the past two vehicles that I have purchased in the past year because they are not willing to honor their {$0.00} fraud liability contract that they have with 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 2023-07-29
Company: Lewis, McDonnell & Associates
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account in question was disputed on XX/XX/2023 and again XX/XX/2023. Each time the dispute came back verified with no verifiable documentation, which was requested via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following is on my EQUIFAX credit report 2 times and are exact duplicates. I have disputed with EQUIFAX and the results of their research is that they are both valid. Why should the exact same mark be listed twice with the same exact account #, company, dates and dollar amounts be listed twice? I previously disputed the original mark and at the end of the first investigation, they found it valid and then reported it twice. My credit score has gone down even lower as a result of it looking like 2 bad marks when it should only be one. 
Account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX MN XXXX Phone : ( XXXX ) XXXX Original Creditor XXXX XXXX XXXX ; Amount {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I received a promotional email from TD Bank offering a Savings account with 2.5 % interest rate guaranteed for 12 months if I open it online and deposit {$20000.00} or more before XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter from TD bank confirming 2.5 % rate. 
On XX/XX/XXXX, I received an email from TD bank confirming the rate of 2.5 %. 
I opened an account online and deposited more then {$20000.00} in XX/XX/XXXX. 
One of the other conditions was to link a checking account to my account which I did and to make at least 3 transactions per month which I did by transferring money from my checking account to my savings account. 
To my surprise, TD Bank only paid me 1.49 % for the month of XX/XX/XXXX and 1.49 % for the month of XX/XX/XXXX. 
I called TD Bank on XX/XX/XXXX at XXXX XXXX and spoke to XXXX. She looked into the account and informed me that I met all requirements and she was going to request to change the rate to 2.5 % and it will take 3 to 5 days. I requested that I am paid interest retroactively since I met all the requirements and she told me that she will put in a request. 
Today, XX/XX/XXXX, I checked my account through my app and it still shows 1.49 % interest rate. TD Bank did not credit me back for the interest owed. 
I put in a call to TD Bank on XX/XX/XXXX at XXXX XXXX  and spoke to another representative and she informed me that I won't be getting interest paid retroactively. 
This is bait and switch and I am appalled by this actions from TD bank. I demand that they pay me interest as advertised from day 1.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been banking with Truist for a few years now. I notice that we have incurred alot of inaccurate and excessive overdraft fees. When I spoke with a representative about it, my transactions always were out of order of occurrence and small amounts of money disappeared from my account that cant be accounted for. I have also closed my cards and somehow transactions are still coming through my debit card and I spoke with a representative several times and no one has been able to help 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 2019-03-31
Company: Experian Information Solutions Inc.
State: WA
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 show on my credit report. I have not directly contacted any of these companies. I have been a victim of identity theft, and all of these are likely attempts to open an account under my name. I have had a credit block placed once, but it seems like it has expired around mid XXXX at which point these inquiries started again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-06-05
Company: Experian Information Solutions Inc.
State: CO
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:
Hi, Experian is showing I have 4 years and 9 months of credit history. This information is inaccurate as I have more than 20 years of credit history with home and car loans and credit cards.

I am Under Contract for a home and because of this inaccuracy, I am not in the Excellent category for lending terms.

I have no derogatory marks on my credit and no other debit than a mortgage.

I have called Experian on the following dates and times to have this issue resolved : XX/XX/XXXX at XXXX XXXX.

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX ***The total time spent on the phone is over 3 hours.

The first time I called I spoke to an agent by the name of XXXX who told me " my Experian file was corrupted '' and that he had never seen this in a file before. He said it would take 3-5 business days to resolve and my the Reference Number for my case is # XXXX.

I spoke to a Supervisor by the name of XXXX  today at XXXX XXXX. After I was told again the " department '' who handles this error still has not reported back to them, I asked to speak to his supervisor. He said he would not transfer me to anyone else and after I insisted on speaking to his supervisor, he hung up on me.

I am supposed to close on my home loan in 30 days. I have relayed this information to Experian on every call so they understand the urgency of this matter but I am not getting any resolution.

I know your process can take up to 60 days to resolve. Is there any way to expedite this case given my timeline to purchase this home? If I don't have this corrected, I will suffer for 30 years with a mortgage interest rate above what I should have so time is truly of the essence.

Many thanks in advance for your help.

Kindly, 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 2023-04-24
Company: CADENCE BANK
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Ive banked with cadance bank in XXXX al. For years. Even before they bought the bank when it was people state bank. Now they say I still own over {$10000.00} on a loan that they dont have any thing on the note other than a XXXX  XXXX XXXX that they gave me permission to sell over 9 years ago. I dont owe them this money. They have been debiting my bank account which is not their bank for over a year on this so called loan. Please help me get this resolved. The payment is or has been over {$700.00} a month and I cant afford this. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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