BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: Experian Information Solutions Inc.
State: VA
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:
RE : Complaint # : XXXX As of XXXX XX/XX/XXXX XXXX  XXXX XXXX has failed to close the account in its database and continues to report 30-day late payments for the months of XX/XX/XXXX and XX/XX/XXXX with Experian credit bureau, 30-day late payment for the month of XX/XX/XXXX with XXXX XXXX and XXXX  credit bureaus. XXXX  XXXX XXXX reasserted that there was no record of a payment which I had logged into its mortgage database on XXXX XX/XX/XXXX and scheduled to bed withdrawn from my checking account on XXXX XX/XX/XXXX, and which Ms. XXXX XXXX the bank 's Short Sale representative later advised to be canceled because I was no longer required to submit a payment while awaiting closure after the sales contract was accepted by the bank ( see attached copy of payment confirmation receipt ). Consistent with my payment history with other lenders I have never missed or made any late payment with that account. I respectfully request that XXXX  XXXX XXXX officially close the account effective XXXX XX/XX/XXXX. Proofs of on time payments previously submitted to XXXX  XXXX XXXX and the three credit bureaus on multiple occasions pertinent to inaccurate reports filed by XXXX  XXXX XXXX regarding payments made to the bank between XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
They consolidated some of my loans without my consent as well as how they went from federal to private without my knowledge. They went back and forth between subsidized and unsubsidized a couple times according to my Navient account and it seems like every time it changed there was a new listing in my credit because there are several items reported on my credit by them some of which seem like duplicates. A lot of the amounts are incorrect as well as duplicate entries on my credit report. 

I called several times and I have been sent here to there and here to there without people telling me what has been going on with my loans. XXXX got my loan from XXXX XXXX XXXX has added all types of interest to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: G&P Enterprises, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
15 days after I sent an assessment payment to my HOA, they sent my account to a collection agency. The collection agency is charging me a {$40.00} partial payment fee and a {$30.00} late fee for the payment I made before the account was sent to them. The payment was not late. 

The fees that have been added to my account by the collection agency are over half what I owe and are based on the amount owed before I made my last payment. 

This HOA selectively enforces account collection procedures. Other members are delinquent for 2 years before their accounts are sent to an outside agency. Ive only been delinquent for 3 months. Aside from the pre-lien fee and various other fees they have already added, there will be more heafty fees and a lien put on my condo. Help! Im already having a lot of hardship. Btw, my hoa seems to foreclose on a lot of members ( several every year ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
TO WHOM IT MAY CONCERN : On XX/XX/2018 XXXX charged my Chase Bank debit/credit card via an auto renewal. I never set up auto renewal and they only had my card because of other services I had purchased. I contacted XXXX to follow-up on the unauthorized charge. I informed the the XXXX representative, the day I originally set up my domain with XXXX, that I spoke with a XXXX rep on the phone when setting up my website, that I did not want auto renewal because I often don't have sufficient funds in my account and I also like to keep the decision to renew. I was told to dispute the auto charge with Chase Bank per XXXX, as they noted that they could not refund the charge. 

On or about XX/XX/2018 I contacted my bank to dispute the charge, as I was instructed to do that by the XXXX representative. Chase bank issued a reversal and credited my account for {$200.00}. 

On or about XX/XX/2018 Chase reversed my {$200.00} credit and debited my account. I called Chase Bank and the representative instructed me to follow-up with XXXX as they were the ones that had my funds. 

I followed up with XXXX and the said the funds had been refunded on XX/XX/2018. My XXXX billing history reflects that amount being credited to my account and yet there was no corresponding credit made to my Chase Bank account. 

I followed up with my Bank in XX/XX/XXXX. The reason for the late follow-up was that I was hospitalized for four days due to a XXXX. I spoke with a Chase Bank representative and they put me in contact with a customer representative via phone. They told me the funds were not with Chase Bank and I should talk to XXXX. So they just keep saying the other has the funds and I should contact the other. Chase bank shows the money as being paid to XXXX and the XXXX billing shows the money as being credited to my Chase Bank card. One or both of them are lying and have my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there is still an account to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm this account. 

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 2021-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Cant access my prepaid account on website, it was said that my security information is incorrect, before it displayed incorrect security information I still used the card on website couples of minutes ago when I have to sign in back it kept kicking me out

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 2020-09-07
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
Back in 2017 XXXX, one of the three credit reporting agencies leaked the data of 143 million Americans, including myself. Information leaked in this data breach included my name, social, date of birth, address, and driver 's license number. As a result of this, I have become a victim of identity theft, leaving my credit profile and overall credit score to suffer greatly. Your organization is currently reporting accounts that I have listed in my lawsuit with XXXX, I have attempted to resolve this issue with your company and I have yet to receive a response. Remove this account, If you refuse to remove this account from my credit file, my lawyer will be advised to move forward with a civil suit against your company. I will bring this information forth to a judge in my area, section ( 609 ) of the Fair Credit Reporting Act, states that all information listed on a consumers credit file, must be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
PHEAA wants me to make payments on a student loan that is not mine. For the last five years I have been asking them for a copy of a Promissory Note that I would have signed and as of date, they still have not sent me a copy. I have called and spoke to XXXX XXXX about two weeks ago explaining this again. I made payments on these loans in XXXX thinking that these were loans associated with students loans I have with another Servicer. I stopped making those payments when XXXX contacted me asking for my Social Security Number and DOB. I have asked PHEAA several times over the years to provide me with a copy of a signed Promissory Note and as of date, I still have not received any. 

Back in XXXX, I contacted all three Credit Bureaus and had them remove PHEAA from my credit reports, which they did. It wasn't until around XXXX or XXXX, that they started garnishing my Income taxes. I contacted the Department of Education and was told that PHEAA contacted them to get my personal identifying information, which they gave. I explained to the Department of Education that those loans do not belong to me, but by that time my information had already been compromised. 

I want this company to release me from this debt that I do not owe and to be permanently removed from all three of my credit reports. 

It is not fair for me to pay off someone else 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern at AmeriCollect Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 


Account # XXXX please provide all paperwork or proof. If not, delete account from the credit bureaus. 

Account # XXXXplease provide all paperwork or proof. If not, delete account from the credit bureaus. 

Account # XXXXplease provide all paperwork or proof. If not, delete account from the credit bureaus. 

Account # XXXXplease provide all paperwork or proof. If not, delete account from the credit bureaus. 


My goal is to correct the record on file. This is a request for information only. 

Please provide all paperwork to XXXX XXXX XXXX, XXXX, Texas XXXX Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dates Fraudulent Accounts Opened : Amount : Company : XX/XX/XXXX {$1400.00} Barclays Bank Delaware XX/XX/XXXX {$5100.00} XXXX After I applied for an auto loan in XX/XX/XXXX, I reviewed my credit report and noticed that there are multiple accounts that were opened under my name with no knowledge about them. I was shocked to find out that I had been a victim of identity theft since my information had been compromised. Me being a victim of identity theft has negatively impacted my life severely causing me to have the worst experience of XXXX and XXXX. I had no idea what to do next. I knew that I had to do something to get the fraudulent accounts corrected immediately. I did some online research and found the FCRA and Federal Trade Commissioner helpful in which had led me filing a police report as it did get approved by XX/XX/XXXX. Furthermore, I had obtained an approved police report and sent it to each major credit bureau via certified mail, affidavit, and notarized to have the fraudulent accounts removed from my credit file. However, only one credit bureau has been compliant thus far and the remaining two have not. The actions I took to try to get my identity theft problem resolved was to also file an identity theft report with the Federal Trade Commissioner as well is to mail the report to each credit bureau ( XXXX and XXXX ) as well as contacting the creditor directly. Still, nothing resolved.

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 2022-06-20
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ability Recovery Service LLC has continued to harass me about debt that is not mine. The company sent me a written response on XX/XX/XXXX through this portal that they will cease all communications after I sent a complaint to CFPB concerning harassment as well as a mailed letter to the company requesting cease of all communications. On XX/XX/XXXX a representative from Ability Recovery Service LLC named XXXX called and harassed me again. I'm requesting again for this company to stop all communication ASAP. If not, I will be taking legal against this company.

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 2019-11-14
Company: U.S. BANCORP
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
Dear Consumer Financial Protection Bureau : My name is XXXX XXXX XXXX XXXX. I have U.S Bank checking account # XXXX. I want to complain U.S Bank branch locate at XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX U.S.A acted fraudulent when it sold money order without cash in it for me on XX/XX/2019. On XX/XX/2019 I went to U.S Bank branch locate at the address XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX to deposit {$9100.00} to purchase 10 personal money order checks in the amount of {$9000.00} that means each of money order has the money amount {$900.00}. US Bank took my monies in the amount of {$9000.00} but the big problem was when I deposited two money orders into my checking account at XXXX XXXX, the XXXX XXXX  loss prevent named XXXX said to me via phone on XX/XX/2019 that one of money order check # XXXX issued by US Bank on XX/XX/2019 at US Bank branch XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX had been returned to XXXX XXXX  without payment with reason stop payment. Therefore, I am able to state that US Bank acted fraudulent when it sold the money order checks for me without cash in it. Because this is serious fraudulent activity of US Bank to steal money in the amount {$900.00} from me, I request Consumer Financial Protection Bureau investigate and return the money {$900.00} back into my checking account at US Bank. I tried to contact US Bank customer Service and this US Branch but there was no response or resolve this big problem instead just hung up the phone or disconnect my call. 

If you have any question, please contact me via email at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Cell : XXXX Email : 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 monetary relief
Consumer complaint received 2020-01-26
Company: Experian Information Solutions 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:
My personal information has been compromised, I have did a FTC report as well as reported it to my local police. I have filed multiple disputes with all 3 credit reporting agencies with no relief. I have requested copies of the validation documents used to validate these accounts with no response. I am seeking some relief and accountability in this situation.

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 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2.  Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft

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 2020-11-22
Company: Experian Information Solutions 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:
Greetings, I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2018-09-19
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a bank account with U.S. Bank. I have made payments to companies where I tell them it is a " one time payment only '' and not recurring, etc. I have called US Bank to tell them not to let the charges go through. They tell me that they are doing a stop payment or that they will not let this happen and they do it over and over. They are letting everything go through on my accounts causing a great amount of overdraft fees. I now have to miss a wedding due to a XXXX overdraft fee on a XXXX charge. I have been assured in the past that this would not happen and it does over and over. I feel like they are doing this to obtain fees out of me and thousands of over customers. I am tired of fighting things and the bank not listening to me. They love to overdraft my account or forst post items to overdraw me. I feel that there are banking violations taking place.

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 2018-04-05
Company: FIRST NATIONAL BANK OF OMAHA
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX are continuing to report negative with a balance on an account that was included in my discharged Chapter XXXX Bankruptcy DOCKET XXXX. 
It even shows on my report it is in bankruptcy but they are in clear violation of the Bankruptcy courts. I have disputed it and they claim it is valid & XXXX sent results showing valid so they are in violation. It is absolutely not valid and I have contacted my Bankruptcy attorney and I will be taking legal action.

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 2020-07-06
Company: EQUIFAX, INC.
State: AR
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:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation