BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: NC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 
The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX 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 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 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 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled my credit report a few month age and i notice some Unauthorized inquiry on my consumer report. I reach out to XXXX, XXXX and TransUnion because this is a violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 for unlawfully obtaining my ( consumer reports ). Without my authorization or a permissible purpose is a violation the FCRA See 15 usc 1681b.

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 2018-02-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I purchased a wig from this company called XXXX. One the website it clearly states it will be shipped out in one day then delivered in two. My wig was never shipped the next day so I contacted them. I have attached photos off all the emails below. I badgered them on XXXX for some sort of reply and got nothing and I even called over and over again. Eventually I escalated this to my bank by filing a claim. Wells Fargo told me they cant get my money back because I sent the payment through XXXX. This is the company 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 2018-09-24
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I contacted Wells Fargo corporate because I had an experience in a local branch where they told me that they would no longer accept loose change for mortgage payments. 

During this contact, I asked Wells Fargo that per The Coinage Act of 1965, specifically Section 31 U.S.C. 5103, entitled " Legal tender, '' which states : " United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. ; Can you please confirm that Wells Fargo complies with the US Law to accept all US coins, Federal Reserve bank notes, and national bank notes that are legal tender. Please also confirm if there is a limit to the legal tender accepted. 

The response I received is Effective XX/XX/XXXX, all self-service and behind-the-counter coin-coining machines where removed from our branches. Due to this, we are no longer to accept loose coin ; however ; we will provide coin wrappers for your use. 

This statement leads me to believe that Wells Fargo is not complying with The Coinage Act of 1965, specifically Section 31 U.S.C. 5103, entitled " Legal tender. 

Additionally, I do not consent to call recording from Wells Fargo, if they wish to resolve this issue, they shall do so via mail.

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 2017-12-16
Company: DISCOVER BANK
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Discover Bank withdrew funds for an XXXX XXXX to another one of my bank accounts on XXXX/XXXX/XXXX. They have repeatedly claimed that they issued an XXXX XXXX instruction on XXXX/XXXX/XXXX as part of that XXXX/XXXX/XXXX Tuesday evening 's business to credit my account at the XXXX. However, those funds did not arrive at the XXXX until today XXXX/XXXX/XXXX, two days after they should have arrived for an XXXX XXXX transaction submitted with Tuesday evening 's business. 

Discover Bank refuses to account for who had my funds on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX or to explain why my funds were missing for two days. Instead, they think that I am some XXXX XXXX who does not understand how the Federal Reserve Automated Clearing House system and its transactions work. 

Furthermore, Discover Bank blames my XXXX for not properly crediting the funds to my account in a timely fashion, something that I believe that is defamatory to my XXXX and that I believe that can prove is not the case, basically, because my XXXX is not a XXXX bank that plays games with other people 's money. I have spoken with the XXXX, and they have said that no aspect of the XXXX XXXX was delayed on the XXXX 's end because of any exception handling or any other problem : this delay resides squarely with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My wife had been solicited online from a mystery shopper scam. On XX/XX/XXXX I personally took the check {$2800.00} to the branch closest to me chase bank branch location XXXX. The teller XXXX cashbox # XXXX, explained the check may not be available till XX/XX/XXXX but, if you have online banking, you will be able to see if funds are available and you know you can use them.The very next day the funds were made available. We had over seven thousand dollars in the bank and the very next day we had over 10,000 dollars available because of the check clearing! I explained to my wife she could use the funds! She did so immediately to participate in the mystery shopping because we thought it was okay because of the information provided by the teller. We were not desperate for that money because it was evident we had money in bank already.We trusted the expertise of Chase bank being liable verbally and being experts.I arrived home that night from work and the bank had charged us back because the check was no good.My wife contacted the bank manager.XXXX or XXXX said they do make funds available sometime before the check clears. I met with bank manager XX/XX/XXXX and he was high toned and felt they were not responsible in any way with the arbitrarily decision if we see the funds available we could start using them. All the teller had to say was it would not be available to XX/XX/XXXX like it says on the reciept.That was the greater offense.We have banked with Chase bank since at least XX/XX/XXXX and the branches we lived around got to know the people and they would have never treated us like this. They felt some responsibility because they waived the return check fee! I felt they made the money available because we had money in their already and felt if it was a problem it would be on us.I asked XXXX who his boss was and said I ca n't give you his number but XXXX would be calling you.That never happened! Their complaint department called me twice and sent me a letter saying they want to help.I called to this date at least 8-9 times and spoke with two people on different occasion. One person says well it 's a specific person handling your situation. The other time another person says basically the same message and I told her I am going to arbitrators and she says yeah we really ca n't do anything because of fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
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: Old information reappears or never goes away

Complaint:
( XXXX XXXX XXXX XXXX XXXXXXXX willfully misreports my " current correct address '' to all credit bureaus XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX willfully misreports my balance of my credit card and allows unauthorized charges to be charged to my credit card, in spite of many warnings ( 3 ) Experian did not remove the unauthorized inquiry from in spite of many warnings

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 2018-09-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been unemployed for over a year. I was approved last year for an income driven repayment plan. Because I am still unemployed, and my unemployment benefits also ended as of XX/XX/XXXX, I requested a renewal of income-based repayment for the coming year. Although Navient says that my request was approved, 1 ) I was not told the amount until less than a month before the next due date, 2 ) when I called I was told there was nothing that could be done over the phone and that the only way to address the problem was by beginning the 3 month (! ) process all over again, and 3 )  the amount of the payment increased by more than 300 %. 

The dates and documents involved were the following. Please note that the dates of my document submission are approximate because the Navient website is not currently displaying incoming correspondence for my account. 

1 ) I submitted my request for renewal of income-based repayment late XXXX early XX/XX/XXXX. 

2 ) I received a request from Navient for further documentation on XX/XX/XXXX. 

3 ) I uploaded the further documentation during XX/XX/XXXX. 

4 ) I was notified that my renewal had been approved on XX/XX/XXXX. 

5 ) I was notified that my monthly payment is now {$260.00} on XX/XX/XXXX. This is one month 's notice of a $ XXXX increase from {$66.00}, and was given nearly two months after the notification of renewal. 

I believe Navient is acting in bad faith for several reasons. 

1 ) The documentation requested by Navient was my most recent Federal tax return, for XXXX. This tax return shows income I made before unemployment began. I was told by customer service when I called that this tax return was the basis for raising my payment amount. It is easily discernible based on all of the other information that I provided that I have been unemployed since the summer of XXXX and that this tax return is not at all representative of my present income in the autumn of XXXX. 

2 ) A review of this decision should be done without having my having to go through the same process -- which took 3 months this summer. 

3 ) There was no reason for the 2 month delay between approval of the renewal and the disclosure of the new payment amount, which came as a surprise and a shock to me. 

4 ) The website does not show uploaded documents. 

I suspect that Navient is trying to avoid honoring the terms of the Income Based Repayment Plan by shifting people in my position to deferment programs instead by increasing repayment without reason, and with unaccountably late notice. Navient is already facing lawsuits for denying borrowers recourse to these programs designed to help borrowers, and I believe this is an extension of that bad faith activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
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 belongs to someone else

Complaint:
I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XXXX. The Following accounts are not mine 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 non-monetary relief
Consumer complaint received 2021-02-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOMETIME ON XX/XX/2015 SOMEONE OPENED AN ACCOUNT FROM JPMCB CARD SERVICES. IM NOT SURE ABOUT HOW MUCH BECAUSE I WAS A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have several inquiries on my credit report. I also have charge offs that should be removed from my credit report. I have spoken with XXXX XXXX about my score to no avail. I do n't know my credit scores from all 3 credit bureaus XXXX XXXXXXXX XXXX and XXXX. I would like for all of the credit inquiries to be removed as well as the charge offs and paid off credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-02-25
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a gold checking account with US Bank in XXXX of last year, and was told the account would be fee free as long as I had a US Bank Credit Card. The card was closed without my knowledge ( I did not receive a message or letter stating the card was closed ) and I was charged monthly fees of {$14.00} for XXXX and XXXX. I would like to request that these fees be refunded since I was not informed at the time that the card was being closed.

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 2022-12-14
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The specific creditor has exceeded the followings : 1 : Credit Score 2 : Frequent Calls 3 : False Accusation 4 : Harassment The reason I am not giving them debt is because I never made the account as the account was made under my Mothers name, as the specific Payment was not under my credit/debit cards ( Master XXXX / Master XXXX ) but the account was made on my name and my Phone number. 

This company has been frequently trying to call me every Week for debt I don't owe, and when I checked my credit score via XXXX XXXX, this company has hurt my credit and I want this to stop right now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX this debt showed up on my credit report.It is not mine. Looking at an old report, I see that is was opened with Midland Funding on XX/XX/XXXX in behalf of XXXX XXXX ; so, over eight years ago, I wrote them a letter shortly after requesting they remove it. They assured me, that they would. 
Yet, I receive a letter today from them requesting that I settle for a discount of 10 %. 
This is the second such letter I have received from a collection agency in the last several months. In the first case, the supposed debt was almost seventeen years old!

In California, it is illegal for them to attempt to collect a bent that is older than five years, however collection agencies are doing it anyway. 
I called Midland Collection Agency today, and they told that they would not sue me. Of course they wont, they cant. 
However, what is happening ( and maybe not in this case ) is that collection agencies are selling their paper to other collection agencies, who then change the date on the original delinquency to the date that they receive the paper, thus keeping old and already paid debts on the consumers credit report for much longer than the law allows.

Company response to consumer: Closed with explanation