BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-23
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: Personal information incorrect

Complaint:
I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 

My name is : XXXX XXXX. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX. XXXX OH My current phone number is : ( XXXX ) XXXX All these number are not mind please remove from your database XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX RESIDED HERE FOR 6 YEARS ( XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a account from XXXX XXXX # XXXX I do not recognize this account I do my business with XXXX this acount is a error please delete.

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 2017-12-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian has my XXXX 's account showing negative until 2023 and there is no late payment showing for over 21 months. But Experian has me showing 2023 before the account goes positive.

There has been a {$0.00} balance for over 6 months so how is the account in the Negative.

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 2017-09-21
Company: Navient Solutions, LLC.
State: GA
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 have notified Dept of Educatiion that they are inaccurately reporting that I was late in XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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:
I went to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was explicitly assured multiple times that the information I was giving was to solely be used for a soft pull. Each time I gave information, I asked And this is just for a soft pull, right? to which I was told yes each time, which was at least thrice. I have now been notified by my financial institutions that the dealership has added a hard inquiry to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
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:
I received a phishing text from BECU stating that there was an issue with my account. I was asked to provide personal information. I have had numerous hacking attempts recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY ( CONVERGENT ) PLACED A COLLECTION FOR XXXX COMPANY THAT WAS ILLEGALY PLACED TO ALL CREDIT BUREAUS WITHOUT ALLOWING ME TO DISPUTE AS REQUIRED BY FEDERAL LAW TO DISPUTE THE COLLECTION. 

THIS ACCOUNT IS NOT MINE AND IS ADVERSLY HARMING MY CREDIT REPORT I HAVE REQUESTED AS YOU CAN SEE IN MY CERTIFIED LETTER TO THEM DEMANDING PROOF OF A SIGNED CONTRACT WITH XXXX AND ALL THEY DO IS SEND ME A STATEMENT WITH MY NAME ON IT. THEY HAVE FAILED TO PROVE THIS IS MY ACCOUNT WITH ACTUAL DOCUMENTED PROOF THIS IS MY ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2017-09-21
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX 2017 Company calling itself " XXXX XXXX XXXX '' has called me > 20x offering a '' better rate ''. 

1. Have made several written complaints to the FCC- because I am on the no-call list 2. I have no debt and my credit score is XXXX - so I do not need a " better rate '' 3. Today 's call came from some XXXX  speaking nation ( could tell it was overseas ). When I requested they remove my number and not call me again- I was told to " shut up '' at least 5x. It was UNBELIEVABLE and APPALLING. 

They are calling me- this has been more than 20x and they are telling me to shut up! 

They use different phone numbers all the time- this time their number was 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 2023-06-06
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Navy Federal unilaterally changed the interest rate for my loan, without notifying me, approving it with me, or without without having me sign anything. 
I was unaware and overpaid in interest for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively impacting my credit score. The following accounts have been reported as delinquent or charged off, but I do not believe that I am responsible for them : First, the collection account from XXXX XXXX XXXX XXXX for XXXX. I have no recollection of ever having done business with this company and do not believe I owe them any money. 

Second, the collection account from XXXX XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX or XXXX XXXX XXXX regarding this debt. 

Third, the collection account from XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXX XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX XXXX XXXX or XXXX XXXX regarding this debt. 

Fourth, the charge off account from XXXXXXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX or receiving any communication from them regarding this account. 

Fifth, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Sixth, the charge off account from XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX or receiving any communication from them regarding this account. 

Seventh, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Eighth, the charge off account from XXXX XXXX  XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX  XXXX or receiving any communication from them regarding this account. 

Finally, the charge off account from XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX or receiving any communication from them regarding this account. 

I believe that these items are inaccurate and are causing undue harm to my credit score. As such, I request that you investigate these items and remove them from my credit report if you find them to be erroneous. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I wired {$20000.00} from my Chase account to below detailed recipient but their account has not been withdrawn. The request for the refund has been rejected by their bank. I need legal help. Wire transfer information Date : XX/XX/2023 Account Name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, NY XXXX Recipient Account information Account Name : XXXX XXXX XXXX XXXX Account Number # XXXX XXXX Bank XXXX Bank XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX XXXX Bank XXXX XXXX : XXXX I was told by Chase that XXXX need to report via Chase apps XXXX secure message '' and wait for the response. That was early last month and no response at all since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: IL
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 informationisinaccurate.

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 2018-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX/ BANK OF AMERICA # XXXX. The account is closed but it keeps appearing on my report. It also arrears 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 explanation
Consumer complaint received 2017-09-21
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had an event that I thought was fraudulent. I was confused as to how a company, who I had given my old card number and had canceled due to me feeling that they were a fraudulent company, had my new card number. After calling my bank, Regions Financial, today, XXXX, after receiving a letter from them stating that the withdrawal of the funds was not fraudulent, I was told that it is Regions ' policy to persist payment on all debit cards that are set up for withdrawals. I asked if this was something that I signed to say that this was okay to do and I was told that it was n't anything that I signed to give permission, but rather a policy of Regions. I 'm not sure if this is the practice of all banks, but I would think this falls under the overdraft protection where I would give permission for that service and would know that if a company has my card for withdrawal that it would not stop due to my card cancellation. 

The other issue is that the agent I talked to in the bank had no idea of this practice. He was actually confused and thought that the company who continued to charge on my account had access to my account number. So, this is definitely not " known '' information within the bank because those agents of the bank who opens accounts do not know in order to inform account holders. I ended up canceling the account that was attached to that card and opening a new one because I thought that a company had my account number.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, other items still need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-09-07
Company: FIRST REPUBLIC BANK
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is about a 2nd home loan mortgage from First Republic Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX. The Loan was Funded XX/XX/XXXX. The loan number is XXXX. The loan document has a second home rider attached to it. The address of the property is XXXX XXXX XXXX XXXX XXXX, NV XXXX. On the second home rider item 6 Occupancy is in question. The home has bee rented out for short term rental since XXXX up to and including XXXX. XXXX. The home has been permitted to rent by XXXX XXXX Nevada and advertised in XXXX since XXXX. Item 8 Borrower 's  loan application is in question.

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 2020-06-01
Company: Experian Information Solutions Inc.
State: AR
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 husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Ditech Financial LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Ref : Remove/ Delete Incorrect Information Ditech Mortgage Please be advised : This account was included in Chapter XXXX Bankruptcy, However there discrepancies with payment history. 
My Loan was originally with XXXX XXXX in XX/XX/XXXX I was in a positive account standing with XXXX XXXX  and In the middle of a Loan Modification with XXXX XXXX. 
During my loan modification XXXX XXXX sold my Loan to XXXX XXXX XXXX   without my knowledge. 
Once I found out my loan was transferred to XXXX XXXX XXXX, XXXX XXXX XXXX stated I had to complete the modification all over again. 
Resulting in Green Tree reporting negative payment history for the months of XX/XX/XXXX and XX/XX/XXXX. 
However I am a victim that has been harmed by XXXX XXXX XXXX unlawful practices. 
Please be advised : XXXX XXXX XXXX has been sued by ( The Consumer Financial Protection Bureau ) due to breaking the law on mishandling and failing to honor in-process Loan Modifications. 
This Loan was transferred from XXXX XXXX XXXX to Ditech Mortgage with incorrect information negatively reporting in my payment history. 
I am a harmed consumer and requesting that this negative reporting be deleted/ removed ( XX/XX/XXXX and XX/XX/XXXX ). From all 3 major credit bureaus ( XXXX, XXXX, XXXX ) Sincerely, 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 2020-09-10
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:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2023-01-08
Company: Midstate Collection Solutions, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I would like to report an unfair debt collection from XXXX XXXX XXXX XXXX Round XXXX XXXX XXXX XXXX IL. I had been a resident of Smile student living from XX/XX/2021 to XX/XX/2021. It was my first time staying in the United States and I was made to pay around {$1200.00} as a non-refundable deposit to Smile student living ( for the purposes of cleaning and damages once I move out ). After I moved out I was sent a notice to pay {$650.00} by XXXX XXXX student living saying it was for cleaning charges. My lease did not mention anything as such since I already paid the amount before moving in. When I asked for an itemized bill for the additional charges and the bill from the companies they claimed to have hired ( for cleaning, repair, etc ) for the said {$650.00} charges, they did not send it. A couple of months later I received a notice from XXXX collection solutions instructing me to pay it. I contacted the student legal services at XXXX and they said they would talk to the XXXX collection agency. After that, I did not receive any notices from them. However, all of a sudden my XXXX XXXX went down by XXXX points today. I do not understand what to do about the situation.

Company response to consumer: Closed with explanation