BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-08
Company: Northstar Location Services, LLC
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: Account status incorrect

Complaint:
I sought the help of XXXX XXXX XXXX to help pay off my debt rather than file for bankruptcy. XXXX XXXX XXXX was one of the creditors I enrolled in the program. XXXX XXXX XXXX turned the account over to Northstar Location Services LLC. On XX/XX/XXXX, they accepted a settlement with XXXX in the amount of {$1500.00} to be paid in 11 monthly payments with the last payment made on XX/XX/XXXX. The account is PAID in accordance with our settlement agreement. In spite of the fact that regular monthly payments were made to the account for the past 11 months, XXXX XXXX continue to inaccurately report the status of my account to all three credit reporting agencies ( XXXX, XXXX & XXXX ) as follows : ( 1 ) Balance - {$4100.00} and Past Due Balance as {$4100.00}, ( 2 ) Payment history shows " CO '' Collection from XX/XX/XXXX to present. ( 3 ) Payment Status shows charge-off instead of " Paying ''. As you know, even if an account had gone into collections, a continuous payment history over time and lowering the balance helps to improve one 's credit score. Since XXXX XXXX XXXX refuse to report the details of my account accurately, they are deliberately trying to hurt my reputation and defaming my character, and preventing my credit score from improving over the past 11 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-05-22
Company: Experian Information Solutions 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:
I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$4400.00} ; 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 2022-11-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 which is a violation of the FCRA and FDCPA and you 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 XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am not very knowledgable on how credit agencies work. I am guaranteed a right to dispute inaccuracy and incorrect items. I did not know each disputenis a.hard inquiry. Why did the agencies not make this a important and visible detail? My equifax score took a 63 point dive today. I believe some of this is due to the disputes.I am trying to negotiate. I will start by asking my address history correctly reflect an 11 year occupancy at my current address. The remainder of addresses listed in my credit report are.inaccurate and I have not rented most of those locations, or recieved mail at those addresses. Additionally, the report discredits my 11 year positive rental history by listing random locations during my current tenancy, which begins XX/XX/2009. Prior to that, my address.on XXXX XXXX is not mentioned at all. Rental history is supposed to " fall off '' after 7 years, then what is this mess?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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:
My identity was hacked through my email which caused me to receive multiple inquiries on my credit report that I am not familiar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 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

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 2023-09-03
Company: Experian Information Solutions Inc.
State: MI
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.

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
Consumer complaint received 2023-08-07
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
ABSULTLY NOTHING -- -- -THEY USUALLY HANG UP OR PUT ME ON HOLD FOR A HOUR OR MORE. 

I HAVE TRIED AND SPENT MORE THEN 80 HOURS ON THE PHONE WITH THEM.

I GIVE THEM THE SQUARE TRANSACTION NUMBERS, XXXX AND XXXX, THEY TELL ME ITS MY ACCOUNT, I NEVER HAD A SQUARE ACCOUNT, NOR WOULD I NEED TO STEAL XXXX FROM MYSELF AND CHANGE THE NAME TO XXXX XXXX. 
THE XXXX, XXXX MONEY ODERS WERE STOLEN OUT OF OR BY A UNITED STATES POSTAL EMPLOYEE, THEN " WASHED '' AND THE NAME WAS CHANGED, DEPOSITED WITHOUT A CHECKING ACCOUNT NUMBER. 

THE XXXX IS XXXX XXXX XXXX XXXX XXXX ROUTING NUMBER IS XXXX. 
I HAVE FILED WITH USPS COMPLAINT, 2- POLICE DEPARTMENTS, 1 WHERE I LIVE, 1 - WHERE THE MAILBOX IS. 

BLOCK INC, WHICH IS SQUARE, POSTED THIS FOR CASHING VIA A PHONE PLUG DEVICE, LIKE IT WAS PAYMENT FOR SOME SERVICE OR PRODUCT. 
THERE SO SCREWED UP, THEY SAY " MY ACCOUNT '' BEEN CLOSED BECAUSE OF FRAUD, THEY REFUSE TO DIVULGE THE REAL OWNERS INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 do not recognize this. 

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 2023-09-12
Company: PACIFIC WESTERN BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2023 around XXXX, I attempted to open a new account at Pacific Western Bank and was told in addition to the opening deposit, valid ID, social security number, 2nd form of identification. I was also required to have a account at another bank and that pacific western would need to verify with actual bank statements from that other account. That it has been a requiremt for 1 year now in order to be able to open a new account and I would not be able to obtain an account unless I provided those verifiable statements to them. I called the XXXX number and they attempted to contact management without result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Reliant Capital Solutions, LLC
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
in XXXX I went to enroll into RN school and i was told to apply for the load and if i receive the loan i would be able to sit for my boards and my record wouldnt be a problem. when i graduated i was not able to sit for my boards because of my record. I applied for a load discharge and was denied because i didnt prove i went to the school when that was not one of the legal requirements. now in XXXX im getting over {$400.00} 2x a week garnished from my pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wellsfargo closed my acct and my daughters due to fraud on acct. I never commutes and fraud on my acct. my card I forgot in the atm. When I realized my mistake I returned back to the bank and was given my card by an associate in wellsfargo. I was a bad practice of mines but my pin was on the back of the card, because my daughter. I was sent an email as well that I noticed hours after forgetting my card sent by an employee of wellsfargo. All four of my accts were closed stating fraud. They deducted {$800.00} from my acct and mailed a check with the remainder balance. I was truly upset as when I found my mistake I immediately visited the bank. My acct # XXXX my checking. I cant remember my other accts. My acct was closed XX/XX/XXXX or XX/XX/XXXX. {$400.00} was removed from my checking and {$400.00} from one of my savings. Ive rarely had an issues with my acct. Even when I was charged {$450.00} of overdraft fees for purchases made in XXXX on vacation. All purchases made were under {$12.00}. I never have I opted into overdraft because I rather get denied than pay those fees. Yet, I was still charged instead of being denied. After being in good standing many years with bank my acct was closed and funds deducted from accts to cover {$800.00} associate led with fraud. 
Wellsfargo previously waited until XX/XX/XXXX to finally give a resolution that enough info was given, and I need to provide info and send by mail to them. So my issue could be investigated immediately. This is really upsetting, because they had ample time to request that information with in the 60 days but they didnt! Which allows me to believe my issue was ignored and will continue to be ignored! Since there fraudulent employees didnt follow proper procedures, and closed my acct. I dont have any of my banking statements for this incident as my access to online banking was deactivated.

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 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have gone over my file and I noticed that there were a few errors in file. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My SS XXXX DOB XXXX. Please delete/remove any other address from my file. The following addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX APTD XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I have an unverified account from XXXX XXXX Account # XXXX. Please tell this company to cease and desist all contact with me until I see the documents or some type of contracts and negotiable instrument.

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 2022-11-10
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DISCOVER FINANCIAL SERVICES claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to do so by sending them letters through certified mail asking them to provide me with a VALIDATION OF DEBT as per federal law. I received no response from them the entire time. 

I sent them a CONDITIONAL ACCEPTANCE, in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I have attached all the letters I have sent as well as the domestic return receipts, proving that I have indeed exhausted all administrative remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Between the dates of XX/XX/XXXX and XX/XX/XXXX, I was in the process of getting a loan. I reached out on the internet and started working with what I thought was a company named XXXX XXXX. Turns out it was scammers pretending to be them. They sent me a contract showing me what my payments would be and had me sign via e-signature, thru docu-sign. They even presented a copy of a check with my name on it, telling me it would be deposited into my account. Then someone called pretending to be Chase bank, asking me to verify my account information. The phone caller id said it was coming from Chase bank. I was later shown cashiers checks from Chase and told that we needed to transfer some money back and forth between my account and theirs in order so they could deposit the loan as well as any money transferred from my account. These scammers had me put money on my XXXX XXXX card and transfer from it, reassuring me that the cashiers checks would be deposited. When XXXXXXXX XXXX  stopped working they said it was a technical problem with their system and that I would need to go to XXXX to finish the process. They sent me a bar code to scan and I used my debit card to send it. Chase said they will not refund any money since I participated in this. Chase also allowed the scammers to reverse almost $ XXXX in ACH payments without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying to get my XXXX XXXX XXXX XXXX count updated for my account for a few months. MOHELA  has not been clear on deadlines nor dates about when this will happen. I have been told from them to call Department of Education. After talking to the Department of Education. I have been told that MOHELA is the ones to oversee this. This is completely unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed a fraudulent account being reported on my TransUnion credit file by XXXX Bank, account number : XXXX. I have contacted XXXX Bank and they have not provided me the debt validation letter that I requested. They basically dont have any proof that this account is mine. Sent a letter to TransUnion, its been over 30 days and TransUnion has failed to respond, investigate and remove this fraudulent account from my credit file. They havent responded to my CFPB complaint nor to my certified letter demanding a full investigation and removal of this account. I sent a copy of the previous CFPB complaint, along with FTC letter, police report, notarized written letter explaining my request and a copy of my ID, social security card and utility bill proving my identity. Instead I received a stall tactic letter stating that it didnt appear that I sent the letter. Its a tactic that is being used by TransUnion lately to either delay their response or ignore my request. The Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesnt happen, the bureau is then in violation of the FCRA XXXX TransUnion has violated my consumer rights by not responding to my CFPB complaint on XX/XX/22 nor my letter. Im demanding that this XXXX Bank account remove from my credit file immediately.

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 2020-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent account was opened in my name and repossessed by the bank. My identity was stolen to conceal this purchase and now capital one is trying to have me pay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I AM A NURSE WITH XXXX. NOT ONLY DO I SUFFER FROM XXXX XXXX AND WAS PLACED OUT OF WORK BECAUSE OF IT. IN ADDITION TO THIS MY SON OF XXXX YEARS OF AGE GOT INFECTED WITH XXXX WITHIN A COUPLE OF WEEKS OF MY XXXX YEAR OLD HAVING XXXX  I MYSELF HAD XXXX. I WAS AGAIN PLACED OUT OF WORK, MAKING THIS THE THIRD TIME I WAS PLACED OUT OF WORK IN THE LAST 2 YEARS. I AM A SINGLE MOTHER WITH THREE CHILDREN AND THIS IS OUR HOME SINCE 2006. PRIOR TO ME DEFAULTING I WAS ALWAYS IN GOOD STANDINGS AND MADE MY PAYMENTS ON TIME AND IN FULL. I DID NOT ASK TO SUFFER FROM XXXX XXXX, I DID NOT ASK TO HAVE XXXX, I DID NOT ASK FOR MY XXXX YEAR OLD TO HAVE XXXX NEITHER. THESE EVENTS HAPPENING BACK TO BACK HAVE AFFECTED MY INCOME. I DID NOT WAKE UP ONE MORNING AND TOLD MYSELF TODAY I AM NOT MAKING MY MORTGAGE PAYMENTS. NO I AM A RESPONSIBLE SINGLE MOTHER DOING ALL THAT SHE CAN TO KEEP THE LIGHTS ON, PROVIDE A HOT MEAL, AND PROVIDE CARE FOR MY CHILDREN AND I. NOW THAT I AM BACK TO THE FRONTLINE PROVIDING CARE I HAVE INCOME ONCE AGAIN. I AM SIMPLY ASKING FOR ASSISTANCE TO AVOID FORECLOSURE. AS A HOMEOWNER IN CALIFORNIA WHO WAS IMPACTED BY XXXX SINCE I DID HAVE IT AS WELL AS MY XXXX YEAR OLD SON I AM ASKING FOR MORTGAGE ASSISTANCE TO RETAIN MY HOME. I WAS INFORMED I WAS DENIED FOR HOME RETENTION OPTIONS BECAUSE IT IS MORE CONVENIENT FOR THE INVESTOR OF MY LOAN TO HAVE ME SELL MY HOME OF 15 YEARS. HOW IS THIS HELPING ME AVOID FORECLOSURE. MY RIGHTS AS A HOMEOWNER ARE BEING VIOLATED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation