BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: MI
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:
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX {$20000.00} Called and sent dispute letters they said they were removed no actions have been taken. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount number XXXX {$3000.00} called and sent dispute letters they said they were removed no actions have been taken XXXX. ) XXXX XXXX XXXX Account number XXXX XXXX, XXXX {$7000.00} Called and sent dispute letters they said they will removed no actions has been taken. 
XXXX. ) XXXX XXXX : account number XXXX {$26000.00} XX/XX/XXXX Called and sent dispute letters they said they will be removed no actions were taken XXXX. ) XXXX : Account number XXXX {$4500.00} XX/XX/XXXX Called and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX : Account XXXX XX/XX/XXXX {$30000.00} card and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX bank account number XXXX for XX/XX/XXXX {$30000.00} card I sent a few letters they said they will be removed no actions have been taken XXXX. ) XXXX. XXXX XXXX account number XXXX {$130.00} XX/XX/XXXX XXXX and sent disputes they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX {$8100.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) Still in XXXX XXXX XXXX XXXX XXXX account XXXX XX/XX/XXXX {$1300.00} caught and sent to spill I said this will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX  account number XXXX XXXX XX/XX/XXXX {$1000.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) So XXXX XXXX XXXX XXXXXXXX see XXXX XX/XX/XXXX, $ XXXX {$520.00} I have called and asked for this to be removed they said that it would be removed no further actions have been taken

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX a company called XXXX XXXX XXXX has posted a document on my front door which claims to have recorded a document ( attached ) called a NOTICE OF TRUSTEE 'S SALE, hiding its real address and information, without any signature, in violation of TILA and the FDCPA, having the alleged recorded document mailed to another company called XXXX XXXX, at XXXX XXXX XXXX, in XXXX, CA XXXX, when I have in fact, appealed the decision of the Bankruptcy Court and it is presently pending before the Bankruptcy Appellate Panel ( BAP ) in Appeal number : XXXX, against the order to lift the automatic stay. This all stems from the fact that the previous lender called XXXX failed to properly apply my post-petition payments made starting in XX/XX/XXXX, to the loan when it was transferred to the present servicer Caliber Home Loans, in or about XX/XX/XXXX. In fact, we have received payment and running balance statements showing that in XX/XX/XXXX there were still late charges in my account for the amount of ( - {$830.00} ) and increased to ( - {$1200.00} ) under Late Charges on XX/XX/XXXX, when the loan was released, and which should have never existed. Also, we must add that a recent letter from Caliber dated XX/XX/XXXX admits that there was a suspense balance of {$2100.00} in XX/XX/XXXX which should have been posted to the post-petition payments and not pre-petition payments of XXXX XXXX, XX/XX/XXXX. These payments, along with those made during XX/XX/XXXXwere misapplied and Caliber again has misrepresented in the attached letter that I am due for " twelve ( 12 ) post-petition payments totalling {$19.00}, XXXX. Please see their third ( 3rd )  amended payment history attached to the letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX account # XXXX has also violated my rights. 

They have reported different monthly terms and invalid late payments to my credit report for several months. 

I asked all 3 credit bureaus to investigate and they continued to report improperly with invalid information.

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 2021-09-08
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Cant afford to pay right now I dont make the money to afford it at all but Im in school trying to do better but it still bill up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
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 status incorrect

Complaint:
I recently spoke with XXXX and Settled an account where it was stated the account will be reported as a XXXX balance and settled for full or lesser than the full balance. However that has not occurred yet and XXXX actually simply reported the Settled payment amount and removed it from the total balance. The account has not been changed to {$0.00} and has not been reported as settled for equal or lesser than the full balance. I also have not received the letter stating this however this was discussed on a recorded call as XXXX stated the call was being recorded. I dont understand why the payment was reported to the credit bureaus instead of the account just changing to {$0.00} and settled as it was stated on the phone. Additionally,

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 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I use to owe XXXX XXXX XXXX XXXX XXXX. XXXX sold my account to a credit collection agency. I called the collection agency and I paid the collection. So indigo is now paid in full. I tried disputing with all the credit agencies to take it off and or list it as paid in full in my credit report. It's still reporting negative and showing I owe when I paid it off. After disputing multiple times I called the collection agencies and they stated that when I dispute the account they contact indigo and XXXX reports negative information. I contact XXXX  and they stated they can only report whatever they been reporting when the account went u to collection. They can't report I paid it. They said they do f have authority to report anything, the collection agency they sold it to has to report I paid the account. I contacted the credit agencies back and they stated when I dispute they don't contact the agency my account was sold to, they only contact indigo because it's XXXX  credit card. I uploaded and mailed all agencies copy of my receipt. There are still negative r remarks on my report and it's not stating " paid in full ''. I'm getting the run around and I submitted proof and disputed multiple times.

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 2020-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account and savings account with Bank of America. I have a line of credit available to me through my mortgage. It is called a HELOC line of credit. 

I deposited approximately {$120000.00} into my Bank of America checking account sometime around XX/XX/2020. 

I have a line of credit with Bank of America that is tied to my mortgage, similar to a home equity loan. It is called HELOC. I waited the appropriate time and on XX/XX/XXXX, I went on line and transferred {$100000.00} to my HELOC line of credit. I have had the HELOC with Bank of America for about 12 years and I have regularly drawn off the line of credit and made payments to the line of credit. Almost all of these transfers were conducted on line. 

As of today, Bank of America can not tell me where my money went. It was not applied to the HELOC and it is not in my checking account. 

I have been in their branch and on the phone with numerous people with Bank of America and no one can tell me what happened to my {$100000.00}. I have had two bank representatives tell me that it has happened to many other recently. 

I have spoken to people on the phone and two people, one of whom was the bank manager, and none of whom can tell me what happened. The bank manager keeps telling me that they will figure it out and get back to me. It has been 15 days and the bank still can not tell me where my money is today.

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 2022-09-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have privacy rights.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent or instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for a purpose. 

The payments were never late.

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 2020-08-03
Company: Experian Information Solutions 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:
Fraud XXXX account on Experian file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: EQUIFAX, INC.
State: TN
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:
Equifax had a data breach in XX/XX/2017. When I inquired into their site I was advised that it was likely my information was among the data affected by the breach. Since the breach one of my credit cards was victimized by fraudulent activity. I have since had to shut that card down and have it replaced. I don't know what other actions might have occurred or still might yet occur as a result of the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or about XX/XX/2020 I advertised and sold a watch on XXXX The buyer sent the funds to my Paypal account. I then shipped the watch to the buyer with tracking number. The watch never arrived to buyer, or so he claims. The money was withdrawn from my Paypal account and Paypal refunded back to buyer. I do not have the watch nor do I have the money. Paypal has also put a hold on my account and will not permit me to withdraw {$200.00}. that sits in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: JPMORGAN CHASE & CO.
State: CO
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:
On XX/XX/2020 we purchased flights in XXXX with XXXX XXXX XXXX  for {$200.00}. We disputed this charge with the airline and they would not respond. We then disputed this charge with Chase Bank and they determined the charges to be valid. I've reached out to Chase multiple times with detailed information and they simply say they have closed the dispute and will not reopen it. 

Due to the COVID19 pandemic, we were unable to take our trip to XXXX. In XXXX and still to this day, the XXXX government has closed their borders to non-essential travel. Our trip was not a business trip and is not considered essential. 

We waited to see if we could reschedule our trip, but it is apparent that the borders are not going to open for international non-essential travel any time soon. We do not know what the future of international travel holds and we can not predict that we will be able to use any credit with a XXXX  airline in the foreseeable future. 

The airline does not answer their phones or respond to any other forms of communication. With this lack of communication, we can not even confirm the terms of any potential credit. 

Given the state of travel during this COVID19 pandemic, it is completely reasonable for us to receive a refund for flights that were never taken and can not foresee being taken in any reasonable timeframe. 

The US Department of Transportation states very clearly that domestic and foreign carriers should be offering prompt refunds for travel affected by COVID19. 

This carriers lack of responsiveness and willingness to provide a refund is in direct violation of this notice from our US Department of Transportation. I expect a full refund given the circumstances  and can not believe that Chase Bank will not honor this refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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: Reporting company used your report improperly

Complaint:
Both Transunion and XXXX have violated my rights by reporting inaccurate information on my consumer report. I have made several attempts to have them delete these wrongful listed items, but they did not do anything. Meanwhile they say the accounts have been verified but XXXX has removed them because they are inaccurate and can not be verified. So how can Transunion and XXXX verify these accounts Remove all accounts : XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX In fact the FCRA laws have been violated : 15 USC 1681 Section 602 that states i have the right to privacy 15 USC 1681 Section 604 Section 604 A Section 2 : - consumer reporting agency can not furnish an account without written instructions.

15 USC CODE 1681a - Definitions : rules of construction - Exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

IRS confirmed Charge off as taxable income and written off by the creditor. Therefore, it is income that has to be reported but is not reported on a 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 non-monetary relief
Consumer complaint received 2023-07-26
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 reported my debit card lost There was undisputed charges At the amount of XXXX I did not have the debit card in my possession At the time of those purchases it was lost and never seen again by me I disputed the claim and later turn down as they claimed it was authorized transactions after I told them I lost the debit card that night

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 2021-03-10
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: Investigation took more than 30 days

Complaint:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have inaccurate accounts, and unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a debt collection notice from Consumer Collection Management , Inc in regards to a small medical bill which had already been paid. Sent a dispute letter to the collection agency indicating that I disputed the debt on the grounds that it was already paid.

Collection agency responded that the debt was still being actively collected. Agency furnished an undated statement of account which they allege was the result of their verification of debt performed pursuant to 151692g ( b ).

As the statement of account is undated, it can not be used as verification. Furthermore the statement contained numerous errors. Collection agency failed to perform a thorough review to identify these errors. As such, the agency did not in fact comply with 151692g ( b ).

The purpose of this complaint is to lodge grievance against Consumer Collection Management for failure to perform a reasonable verification of debt as required by 151692g ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: BANK OF THE WEST
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:
Hello, I have a Bank of The West XXXX  account. Started out as a combo saving and checking account and now they have done away with the saving acc. My checking account was {$16.00} short. I was charged on XX/XX/20 a {$35.00} fee, on XX/XX/20 a {$30.00} dollar overdraft fee, on XX/XX/20 a {$35.00} fee, on XX/XX/20 a {$35.00}? All for the same overdraft? Apparently every time XXXX makes a request for funds I have to pay another {$35.00}.? This is FRAUD. I have repeatedly requested that the bank not process any inquiry when the balance is XXXX or below. They refuse. When I try to get cash from the machine and the account is low, The machine says your request can not be processed at this time?. Why can't they do the same for XXXX instead of robbing me. 

If this is the built in way banks are allowed to rob old people I will be forced to withdraw from this FRAUDULENT SYSTEM. P.s. Thanks for bailing out these Criminals!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-25
Company: U.S. BANCORP
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I connected with a person who called himself XXXX  ' who I spoke with on a XXXX Ticket Exchange page. I was looking to purchase tickets to a concert at the XXXX XXXX XXXX on XX/XX/2018. After asking XXXX if he still had tickets that he had messaged me about on XX/XX/2018, he agreed to sell me his tickets. After a long deliberation, XXXX promised that he would transfer the tickets to me over the XXXX site, which has worked for me in the past, for {$300.00} over XXXX. Later that night on XX/XX/2018, I transferred {$300.00} to XXXX as promised over XXXX. He urged me to make the transaction a 'Friends and Family ' transaction as these transactions take less time to transfer, he claimed. After I transferred the money to the account he specified, which he claimed was his girlfriend 's XXXX 's account, he said he was going to call XXXX to get the tickets transferred. Over the next 36 hours, XXXX delayed transferring the tickets for a number of reasons detailed in the attached message exchange. He eventually informed me that XXXX informed him they could not transfer the tickets over XXXX accounts as the specified venue did not support that feature, which I knew was not true as I have used the ticket transfer feature for this venue before. I looked at the E-Mail he sent me, which was from another person 's name and E-Mail address, XXXX XXXX. This e-mail had the " tickets '' attached, but the attachment on the E-Mail was a broken attachment and nothing opened. I started to get suspicious and asked that he refund me my money or transfer the tickets via the XXXX account feature. He agreed originally, but after another long deliberation he claimed he could not transfer my money back for a variety of reasons. I threatened to contact XXXX and US Bank to report the transaction as fraud, and he continued to delay refunding me. Eventually, he discontinued contact with me so I contacted XXXX and US Bank. XXXX informed me I could not receive a refund because the transaction was started as a 'Friends and Family ' transaction. I contacted US Bank and submitted a claim, and they too informed me they would not pay out the claim.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Reporting the wrong information to credit report personal name

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