BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My Name is XXXX XXXX XXXX, XXXX My Father was XXXX XXXX XXXX . He passed away XX/XX/XXXX. 
Our company XXXX XXXX , XXXX has a XXXX XXXX XXXX Charge Card since XXXX. I  took over as the Primary Responsible party after his passing. 

8 months ago ( XX/XX/XXXX ) XXXX first suspended my XXXX XXXX XXXX XXXX account stating I was deceased based on a report from Experian. They have subsequently reinstated it various times. 

XXXX says they are only reacting to Experians Monthly Electronic Filing that updates them every 30 days. 

XXXX says that the monthly Experian report shows the FICO Score and other derogatory notes like bankruptcies or in my case a score of 1 that indicates deceased. 

XXXX Told me to request a long form credit report and Experian gave it to me. I also spoke to specialists at Experian. According to Experian, No noticed associations with XXXX XXXX, XXXX or mixed SS # s/DOBs appear on my Credit Report Spoke to Experians special consulting department again on XX/XX/XXXX who reassured me there is no indicator of me being deceased on my report or associated w/ My deceased Father. 

In the meantime, I view all 3 bureau credit scores on my own that are over 800 and have purchased 2 cars and received a credit card line increase in the same period. 

ONLY XXXX has an issue with my credit report according to what they claim Experian is sending them- While Experian states nothing is showing on their end. 

I don't know what else to do to resolve this issue with XXXX. I have consulted all 3 Credit Bureaus multiple times for hours and hours over the phone, received credit reports and noted every item is correct. Until this is resolved, XXXX could suspend my XXXX XXXX account which would impede the way our business runs as we use this card for several recurring monthly charges and subscriptions. 


If necessary, I can be reached at XXXX. 

Thanks, 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 2018-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: BMW Financial Services NA, LLC
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: Their investigation did not fix an error on your report

Complaint:
XXXX  has been non-compliant with removing the unverified account XXXX  XXXX  XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX   have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2020, I lost my wallet at a park and my Bank of America debit card was used that day to make purchases at 6 places totaling {$5000.00}. I called the bank that day to report my card stolen and filed a claim. They denied my claim saying that they used my pin to purchase. I did not make those purchases. It's FRAUD! I had them reopen the claim and told them they needed to look at the store footage, etc.. and see that it was NOT me making those transactions, nor anybody that I knew as the card was STOLEN. I don't know how they got my pin. Ask these professional hackers how they do it! 
They even made purchases at a XXXX XXXX XXXX and I don't even shop there nor have a membership! 
My other 2 credit cards were in that wallet as well and they were also used to make fraud purchases and those cards ( XXXX & XXXX ) approved my claims. 
I don't know why I am having such trouble with Bank of America as I have been banking with them for over 25 years! They have denied my claim 3 times! 
I did not make those purchases and need my money returned to me!

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 2022-12-13
Company: EQUIFAX, INC.
State: NJ
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 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items 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. Please update the following items immediately : XXXX XXXX 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We have a business checking account for our restaurant at M & T Bank. In XXXX three fake checks were cashed at XXXX XXXX. 

# XXXX for {$1900.00} # XXXX for {$2000.00} # XXXX for {$2800.00} The total is up to {$6800.00} The checks do not appear to be " washed '' checks. They are not in our printing sequence, nor on any setup of how our checks present visually. So they seem to be newly printed forgeries with our account information and address. 

M & T has been notified of the fraud bur refuses to return the money until they receive it from XXXX XXXX. 

That is between them and XXXX  but we are a client of M & T and it is their responsibility to return our stolen funds regardless of the fact that the checks were cashed at 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 2021-10-27
Company: CITIBANK, N.A.
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BEST BUY/CBNA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2019-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 had a credit card account with Bank of America ending in XXXX. In XX/XX/2019 I made a purchase from XXXX using this account. I returned the item to the seller and they promised to refund the total amount owed. I later learned that they did not refund the entire balance leaving an amount of {$4.00}. I did not discover this immediately since Bank of America enrolled me in paperless statements which I did not authorize. When I found out about the balance I contacted Bank of America to dispute it by that time the interest brought the account total to {$15.00}. They sent me a letter stating that they found the dispute in my favor but they failed to credit me for all of the interest charges accruing despite promising to do so in the letter ( copy attached ). They also erroneously reported my account as late to all credit bureaus for the months of XXXX 2019 and subsequently as a charge off. If this dispute was found in my favor then all of this is in fact erroneous. They have updated the balance to XXXX   with all of the credit bureaus but have not removed the late payments. I made many calls to Bank of America to ask them to fix this to no avail. I will note that I have always paid this account on time and I am asking for these errors to be removed. This account should show no late payments for any month and it should be reported as closed by consumer. I am asking that XXXX, XXXX XXXX and XXXX  files all be updated. I have disputed this will all of them and included the documents I attached to this complaint proving that this was all in error and yet they continue to report those erroneous late payments. You will also see where I contacted XXXX and they apologized for their error and delay in refunding the {$4.00}.

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 2023-10-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed by XXXXXXXX XXXX and someone took {$200.00} out of my account and chase refused to accomendate stating they have no protection to help with this even though I did not authorized. Even by them allowing this it looks supicious but the still allowed it. Also Normally if you send someone funds there name comes up to say you sent this person funds. Chase did not notify me that a supicious transaction is happening. I called them the day of cryind distraut all and they stated nothing can be done because I thought it was someone I knew.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
I put in a dispute with Capital One on XX/XX/XXXX for {$1600.00} for a charge with XXXX for a trip from XX/XX/XXXX - XX/XX/XXXX. In the attached letter and statement you will see they said and posted the credit supplely for that amount. If you look at the top of my attached statement, you will see an overage of {$910.00} which means I don't owe them, they owe me. My credit limit is {$4100.00}, but my available credit is only {$2400.00}. That is a difference of {$1600.00}. If they had given me the {$1600.00} where is the difference. Since my credit limit is {$4100.00} then my available credit should also be {$4100.00}. They are saying one thing, but actually doing something else, which is giving false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection company, Holloway Credit Solutions, sent documentation for two accounts that they are reporting on my credit report with my protected health information on it, which this collection company should not have at all. This collection company having my protected health information is a HIPPA violation, which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
hello my name is XXXX XXXX i filed a complaint XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2023 and have not been responded to yet so there for since the credit company have not got back me within the 30 days that they are legally required to they need to erase what i am disputing about off of my credit report an i also would like to be reimbursed for the losses that i have sustained due to improper credit reporting the info that they are reporting is inaccurate on each credit site and it has to be the same or removed i was just recently denied a car lone and loss my job due to the fact that i cant get to work i was working at XXXX was unable to get there due to be denied a car due to the collections on my credit report that are not even the same i will show proof below this has greatly affected me and my everyday life in ways unexplained please help i would also like to be reimburse for every collection that has been reported because i am aware that that it is illegal to report those as well and also XXXX is trying to charge me to view my credit report and i am aware that that is illegal as well

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 2023-02-28
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:
The Experian, XXXX and XXXX Credit Bureaus are reporting inaccurate information in the following accounts and inquiries. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
INACCURATE ADDRESES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, ACCOUNTS : 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 2018-09-15
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
numerous dates the past month or so i have received this same following text message from nelnet ; "  Not too late to get help on your Nelnet account. Reply YES to postpone pmts for 12 mos due to hardship but intend to repay. XXXX Reply STOP to OptOut '' the text messages have been sent from following number ; XXXX for approx past year or more i have received numerous incorrect statements via XXXX XXXXl mail, approx two years ago or more i submitted all required and requested documentation concerning my total XXXX XXXX, spoke to nelnet collection department was informed at that time this loan had been forgiven based on federal disability laws, nelnet continually harasses with mail and text messages and with illegal collection practices, this is also a problem that has created issues on my crediit reports, i would appreciate any action you can take to correct and resolve the thrreatenig harrassment and if you can help correct and / or reverse the damage this has caused me concerning my credit reports, its my firm belief that nelnet is in violation of several federal civil rights laws and i feel it is imperative for myself and other consumers that legal action be taken against nelnet to correct their illegal, unprofessional incompetent record keeping, etc, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: MO
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
after several attempts to get the accuracies corrected across all three bureaus sending certified letters the only answer i get in return is verified the account is in dispute but isn't flagged for dispute balance owed is way higher than the high balance and no-one can tell me how or why

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 2022-09-10
Company: EQUIFAX, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
after several attempts to get the accuracies corrected across all three bureaus sending certified letters the only answer i get in return is verified the account is in dispute but isn't flagged for dispute balance owed is way higher than the high balance and no-one can tell me how or why

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Upgrade, 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: Personal information incorrect

Complaint:
This upgrade loan was opened fraudulent, and they have no proof of who opened this account. I have asked for proof they cant validate this account and the credit bureaus ( XXXX and XXXX ) won't delete it. the date that this account was opened i never applied for any loan ( XX/XX/21 ). Upgrade has failed to proved me with any documents. upgrade also have an address reporting as my living address that don't belong to me. XXXX XXXX XXXX XXXX XXXX, FL XXXX. Fraudulent address I've never lived there. please help me get this off my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed on out of XXXX, I sent a merchandiser money for a product that I never got. Before I XXXX XXXX the money I called Wells Fargo and asked them if I do not have my stuff will they refund my money the rep said yes. I put in a claim today and they denied the claim because the transaction was with 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 2021-10-27
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
1. I contacted PHH immediately upon XXXX XXXX death, notifying them of the same 2. I requested a modification, completed all the documents 3. For months on following up, I was told the documents were under review and it would be another month or so. 
4. This continued until, I initiated a follow up call and was politely told that they could not discuss this with me as I was not a party to the loan 5. Frustrated at that point, with the loss of XXXX I just because XXXX  and gave up. 
6. In or around XX/XX/XXXX I took another stab at PHH and was directed to the loan solutions center. There again I uploaded all requested documents. 
7. I continued to check the status of my request at the loan solutions site and saw that none of the documents I uploaded had been reviewed. 
8. This prompted my call PHH again around XX/XX/XXXX. It was then and only then was I informed about the process for acquiring ownership interest in the property. They finally noticed me as a successor of interest on XXXX XXXX, XXXX ' I have NEVER been offered a mediation or allowed to speak to anyone as a successor of interest until XX/XX/XXXX XXXX property is scheduled for foreclosure sale on XX/XX/XXXX. 
10. This process has been totally unfair to me, as I have complied with every request from PHH. 
11. Of course after my XXXX communication via phone, very nice lady, gave me information I should have been given during my initial call in 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 2019-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I closed my Capitol One credit card account early XXXX and paid it off on XX/XX/30. I paid the entire balance of {$1700.00}. Now they are charging me interest of {$29.00} on a XXXX balance.

Company response to consumer: Closed with monetary relief