BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
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:
15 U.S CODE 1692g - VALIDATION OF DEBTS.

15 U.S CODE 1681I PROCEDURE IN CASE OF DESPUTE ACCURACY. 
XXXX & XXXX XXXX EXPERIAN DID VIOLATE MY CONSUMER RIGHTS BASE ON XXXX FCRA DECLINING TO RESPOND TO ME REGARDING THE VALIDATION OF THE DEBTS AND INACCURATE REPORTING FOR THE FOLLOWING ACCOUNTS. 
XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX  ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX XXXX # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY.

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 2022-07-19
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: Account information incorrect

Complaint:
XXXX XXXX REPORTING INACCURATE INFORMATION DATE OPENED TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX HIGH CREDIT TRANSUNION {$6500.00} XXXX {$0.00} DATE OF LAST ACTIVE TRANSUNION XX/XX/XXXX XXXX XXXX PLEASE DELETE THIS ACCOUNT FOR MULTIPLY INACCURACIES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I feel that these accounts are adversely affecting my credit report and costing me XXXX  of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX  because to my knowledge I do not recall any these accounts. 
I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was hacked at chase my identity was stolen and being used, someone reverse payments to every bill I had ever made using a bad check that chase did not verify, This happened on XX/XX/2023, chase did not do any verification the day of the incident, chase gave them everything, I made fraud reports, police report etcAm now in the hole and I have been paying back money that I already paid, chase didnt protect my account or money, chase closed my account and took all money including the money they gave away, and told me my account is closed and they is nothing they can do and they will not refund my money back, because they gave the credit to whoever hacked my account, I have proof of everything along with the person who hacked my account, am behind on my mortgage and bills because of being hacked and fraud, I blame chase for this and they should pay me back every single thing they gave away they failed to stop the fraud and they failed to stop to bogus check that was used to hack my account. What must I do or what can I do to get my money back from chase they are refusing to refund me and has closed my account due to me being fraud how is this even possible, I did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I setup automatic payment with XXXX XXXX. However my mortgage was sold to PNC Mortgage, and I did not received their welcoming letter and late notice letter due to change of address ( which I have a witness for this ), hence the payment was 60 days late. I felt PNC Mortgage did not try their best effort to contact me, they did not call on the phone, text or email me about this transition of mortgage and the late notice. 

I have never missed a payment in my life and have excellent credit before this. As a consumer, I felt PNC Mortgage is at fault for not informing me about the transition, and they just do n't care. 

To make matter worse, I had file a complaint with Better Business Bureau, they acknowledge that it happens because I did not receive their letters, can not prove that they call me, text me or email me, but offer nothing to help me. I escalated to PNC executive client relation, XXXX XXXX and she chose to ignore my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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 information incorrect

Complaint:
Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2021-11-13
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditors Bureau Associates currently shows a {$370.00} collection for XXXX XXXX XXXX on my XXXX credit report, which I disputed repeatedly WITH EVIDENCE to no avail. XXXX refuses to remove this falsely reported debt, which I do not owe because my former Employer XXXX is responsible for this medical debt, see email confirming this by XXXX HR. 

Heres what happened. 

In XX/XX/XXXX, I worked at XXXX but was let go as of XX/XX/2018, and according to our separation agreement ( see email copy from HR ), my health insurance with XXXX was valid through XX/XX/2018. When I went to XXXX XXXX XXXX with high fever, the front desk staff CONFIRMED that my health insurance was active and valid. Then, they sent me a {$370.00} bill. I contacted XXXX XXXX XXXX repeatedly. They said my employer would have to contact them. 

I contacted my employer XXXX ( see attached ) who confirmed my insurance had to be valid and active through XX/XX/2018. See attached emails. 

However, my former employer dissolved business, the HR person was no longer there, the CEO moved to another state with another company, and no matter where I emailed, nothing was emailed back. Phone was disconnected and so was the physical address. See attached emails. 

The {$370.00} is not the debt I owe for my XXXX XXXX XXXX visit because as you can see from the attached proof, XXXX was responsible for paying it, not me. This must be removed immediately from my credit report. This is false reporting and violates my FCRA rights. Ive attempted multiple times to resolve it directly with the company to no avail. See my credit report copy from TODAY : this falsely reported collection still shows on my XXXX credit report and must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am enrolled in the SAVE plan according to my MOHELA online account. I am a medical resident with an annual salary of approximately {$70000.00}. MOHELA is telling me that my loan payments are due to restart at {$4400.00} per MONTH, which is higher than my monthly take-home pay. They do not have an explanation for how this was calculated, and their only solution is to place my loans into forbearance until they can re- enroll me into the SAVE plan - this will cause me to become at least 2 months delayed toward my Public Service Loan Forgiveness , which will cost me thousands of dollars in the future. This is absolutely unacceptable and irresponsible.

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 2023-04-26
Company: Experian Information Solutions 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 information incorrect

Complaint:
Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit 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 2017-08-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
JC Morgan Chase did not correctly respond to my complaint numberXXXX Our final payment was initiated at the dealership, not by us. Therefore it is impossible for us to cancel the auto payment after the auto loan and then paid off. 

Continued to draft account, and then in the response charged us with the responsibility of canceling it, which is impossible. 

Drafted of funds from our account should have been returned within 48 hours, even though the bank Identified that the rejected should be credited to our account The funds fundamental were held for almost 3 weeks This delay in processing is in direct Violation of banking regulations specifically for mission time frames.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There are items that need to be removed from my consumer report and I have not heard anything within the allotted 30 days about. I want all of these items removed immediately. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I live on Social Security. I received my bill from Capital One for my payment due on XX/XX/2021, minimum payment {$28.00}. I paid on XX/XX/2021 {$250.00} on my Walmart Credit card ( ending in # XXXX ) on a card balance of {$260.00}, XXXX. My confirmation number for the payment was XXXX. The monies were withdrawn from my bank on XX/XX/2021 under post # XXXX. Today is XX/XX/2021, and according to their computer printout all I had to use on my card was {$11.00}. My credit limit on the card is {$300.00}. At XXXX XXXX I spoke with their representative at phone # XXXX and questioned him as to where my additional {$250.00} were. He advised me that sometimes it can take up to 8 business days to clear. I questioned him if this was normal practice and he answered " Yes ''. I do not believe that the bank is authorized to 'float ' my money without allowing me to have access to the funds. As I stated at the beginning of my complaint, I ( we, my wife and I ) live on Social Security and our budget doesn't allow holding on to our monies when, in doing so, we can't buy groceries or medications. Please advise us if this allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Well Hello! 



my name is XXXX XXXX XXXX and I am a consumer at Wells Fargo Bank. In XX/XX/XXXX I started to notice a few unauthorize transition and immediately filed a claim on this matter. XX/XX/XXXX and XX/XX/XXXX was just horrible for me. Not only did i see a boat load of unauthorized debit transition but many many atm withdrawal with my account. The claims department told me to fax over documents and police reports so we could put a stop this, order new debit cards, and that still didnt solve the issue. My online info was stolen as well. roughly 6k is uncounted for and Wells Fargo is sending me through the wringer for it and blaming me for my account being fraud5. They not only embrass me and family their branches, but they reverse all the claims and closed my account due suspicious activity. In result all of this my daughter boy was the one who stole everything from me including vauble items out my home over the holidays. He admit to stealing my debit card out my purse at night and put it back in before i would wakeup in the mornings to law enforcement. my money is stuck in limbo and Wells Fargo Loss Prevention is so unprofessional and lack customer services. They refuse to continue the invesgation and claim they have atm footage of the suspect. I can't pay my bills this month of all the reversal credit claims out my accout. Please stand with me and let 's resolve this together. 


with love 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 2023-09-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
When I opened the CD online, they took the money immediately from my account. But when the CD matured, I had no option online to close it and not renew it. I had to call them to tell them to close the CD and not renew it again. 
They would not deposit the money back into my account immediately as they took it immediately. They said they will mail a check. Two weeks later, the check came in damaged and my bank could not take it because the routing number was scraped off. I have been calling them now for over six weeks and they still havent sent me the check For the two months period they've held my money, I have lost over {$4000.00} in interest income had they deposited the money back into my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They are attempting to collect a debt for {$6500.00} that does not belong to me. I was a victim of identity theft. 
they have not provided me with a validation of debt or any other document proving this is legitimately my debt. 
They are still reporting it to the credit bureaus as a collection.

it is severely affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: CITIBANK, N.A.
State: FL
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:
During the summer of 2020, I went to my local " Citibank '' to open a business checking account. 
I have my personal credit card, checking and savings account with this financial institution, so I decided to have my business account with them. 

The process was never finished, no paper work was provided, no account number was provided, no temporary checks, none of the basic new account items. Also no money was deposited in this account. 

Regardless, Citibank is charging me with {$43.00}. All my attempts to explain that the account wasn't technically/legally opened were in vain. 

Why do I have to pay a fee for an account that wasn't even opened? 

Thank you very much.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation