BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX -XXXX  XXXX  XXXX XX/XX/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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I called all 3 reporting agencies TransUnion, XXXX and XXXX!! 
I told them I lost my wallet and sent Police reports!!! 
They have not removed XXXX XXXX from the account and history!! 
Creditors respond to me, Stated that they see XXXX XXXX name on all 3 major credit reporting agencies, credit report even while they telling me they are not there!!!! 
This is unfair to tell me deceiving lies and destroy my credit report when I have sent the police report to all 3 reporting agencies!!!! 
Proof of unauthorized use and I lost my wallet and not one of these banks closed the account and issued me an another card with my refund Stated by FDIC LAWS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1 Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account Account Number : XXXX Please remove it from my credit report. 
6. Validate Account Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX - XXXX XX/XX/XXXX I received multiple emails from Bank of America ( I am a current customer, mobile and desktop usage ). First email " Your Statement is ready, XXXX business account '' Second email " Verify your Email '' Third email " Welcome to Online banking, with your new account '' Forth email " Unable to Open your Online Account '' - This is when I contacted Bank of America and reported the activity. I was informed that an attempt to open an account had been made ; it was confirmed. However, no additional investigation would ensue beyond that point, because the account was never actually " Opened '' per their standards. So I received a follow-up email with " Tips and Tricks '' for responding to fraud on your own as a citizen. It was useful - I followed the email 's suggestions and it reminded me that this happened same time last year XXXX have the old FTC reports saved, credit freezes are in place for me since XX/XX/XXXX. So, this is a pattern officially, and I want to increase my protections ( if such a thing is even possible ) I want to get a deposit account review for my XXXX also! The XXXX was the newest resource for me; led me to this form at the CFPB.

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 2022-07-14
Company: Chime Financial Inc
State: NJ
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:
XX/XX/2022 at approximately XXXX XXXX in the morning three transactions was made in my Chime account first transaction was a withdrawal of {$400.00} and the second transaction was a withdrawal of {$200.00} and then the third transaction was declined and they were trying to take out {$100.00} and the location was taken out at XXXX XXXX XXXX, XXXX, NJ. 
I contacted chime and they declined my dispute I also have personal friend that also use chime and he was also scammed and they took away from him the total amount was {$700.00} and he received his money back and I also have his proof because he screenshot his dispute number with chime. My dispute was denied thats not fair! Please I need my money back Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
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: Investigation took more than 30 days

Complaint:
Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

PUBLIC FILINGS US BKPT CT IL XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine

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 2023-11-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was charged unauthorized without my permission. Wells Fargo is aware that this account was a result of unauthorized charges. WF had admitted that this account is incorrectly reporting on my credit report via email. Email enclosed. XXXX failed to investigate the accuracy of this account. The account has listed a total of XXXX charge off under this same account ending in XXXX. The account has late payments on a charge of account. These repeated derogatories have been damaging to me. I settled for a payment to WF even though I did not make the Purchases on this account. I was promised by a WF rep in XXXX  that if I paid the account the account will be removed. This XXXX XXXX XXXX account is still on my credit report and its hurting my score. XXXX failed to correct and update this account. I have disputed this account 5 times to both the creditor and the bureau. For the sake of years of incorrect reporting with I kindly ask that this XXXX XXXX XXXX account be completely removed from my XXXX 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 2021-07-09
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We sold our house and closed XX/XX/2021. My title company confirmed payment was received and payoff was on file with my mortgage servicer, CMC Funding, on XX/XX/2021. 

However, CMC Funding continued to autodraft money out of by bank account on XX/XX/XXXX. 

When I contacted CMC Funding, they said it would be weeks before they'll refund me the money and they would not commit to returning the entire amount they removed from my bank account after my mortgage was paid off and closed.

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 2022-07-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Express Account # XXXX Account # XXXX While reviewing my credit report recently, I noticed you are trying to re age the date of first delinquency for the above listed accounts in my credit report by recently reporting charged off ( C/O ) in the accounts. Please be advised that a CHARGED OFF AND CLOSED ACCOUNT should not have any new payment history or new activity added to it. This is a violation. 

I demand you seize and desist from reporting C/O or any payment in my credit report thereby trying to update the date of first delinquency in a closed/ charged off accounts. 

I demand that you delete all recently added C/O in the above listed alleged account in my credit report with all 3-credit bureau immediately.

According to Fair Credit Reporting Act, all reported information in any consumer report with all 3-credit bureau must be 100 percent accurate. You have been put on notice that you are still reporting inaccurate information in my credit report after reinvestigation. 

Under the Fair Credit Reporting Act, you are in violation. 

Evidence of your reporting C/O in a charged off and closed account is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Affirm Holdings, Inc
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I called Affirm XX/XX/2023. I talk to a Supervisor, XXXX. There are XXXX accounts created without my knowledge from Affirm. One for XXXX and the other for XXXX. They are refusing to give me any information without a phone number. My phone number is not associated with any accounts. I asked them to pull it up with my social security. They are unable to pull up any accounts with a social.. I am at a lost. Someone used my social and name to create XXXX affirm account and there is nothin I can do about it. There should be other ways to get information.. They are saying I owe them but I have no way to pay them, even if I was just paying wanted to off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This vehicle was reposed during the time I had a lost was a severe accident which i could was hospital bound and disoriented for months. I contacted Wells Fargo Dealer services at the time when i was able to talk about my situation and advised them due to my XXXX i could not continue to pay for the car because i was out of work. That they would sympathized because prior to the accident i made every payment on time and their car was not involved with the accident. The Representative said i would be taken care but they would have to get the car back but due to the circumstance that would not continue to put it on my credit. I was happy but .. i began to get more ill and when I finally did recover enough to get my affairs in order everything changed when i contacted wellsfargo again. Even they got the car back they are still reporting things on my credit and They were rude and said they have know knowledge of it. Please help 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 explanation
Consumer complaint received 2023-10-02
Company: VW Credit
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted them and told them i was on XXXX  orders and wasnt in the States. I had no ways of communication with anyone. I was on Orders for the United States XXXX. I have Orders. I am XXXX XXXX XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act - XXXX. XXXX Acct # XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX Acct # XXXX Section A of 15 U.S.C. 1681 states that I have the right to privacy.

Section 2 of 15 U.S.C. Section 604 A stipulates that a consumer reporting agency can not provide an account without my written instructions.

15 U.S.C. 166b A creditor may not, for any reason, consider payment on a credit card account under an open-end consumer credit plan as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: FORD MOTOR CREDIT CO.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XXXX XXXX  operating Manager XXXX XXXX and XXXX XXXX are receiving proceeds that are being disbursed by XXXX.THE FOLLOWING PARTICULARS APPLY COUNT I 1 XXXX XXXX XXXX XXXX (XX/XX/XXXX ) VEHICLE PROGRAM COVERAGE PRO RATED DUE TO TOTAL LOSS 2 XXXX XXXX XXXX XXXX ( NEW ) LIEN HOLDER FORD CREDIT.

I3. NFER TO BREACH OF CONTRACT TO BOTH COVERAGES BY XXXX XXXX.

WHRN RECIEVING SERVICES FOR TIRES THEY ONLY REPLACED ONE TIRE.HOWEVER BOTH TIRES EITHER FRONT OR BACK WERE REPLACED WITH ONE TIRE. XXXX XXXX  KEPT OTHER 3 TIRES.

COUNT II 4.TRANSMISSION WAS NEVER REPAIRED BY XXXX XXXX .

5.RECIEVE LETTER RELATING TO TRSNSMISSION MODULE BY FORD MOTOR .

6 FEDERAL COURT CASE PENDING FOR XXXX TO BE REFUND TO CUSTOMERS 7 XXXX PURCHASE CHRCK ONLY WERE TO BE ISSUED TO INDIVIDUALS OWNING XX/XX/XXXX XXXX XXXX HOWEVER BREACH OF CONTRACT INFERS TO upon performance incur failure to perform a discretionary function or duty to terms conditions of contract.

U.S.C. 1346 ( b ). Thus, both federal and State law may impose limitations on liability. The FTCA exempts, among other things, claims based upon the performance, or failure to perform a " discretionary function or duty. '' The FTCA also exempts a number of intentional torts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: MOHELA
State: CO
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:
My XXXX Loans date back to XXXX, but the servicer Mohela has them dated XXXX XXXX 
I have been paying my XXXX Loans for over 20 years an I qualify for Loan forgiveness. 

Thank you 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 2021-08-28
Company: AES/PHEAA
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX I sent out a affidavit of truth on XX/XX/2021. 

according to the certified mail receipt XXXX it was received on XX/XX/2021 at XXXX XXXX  XXXX, PA XXXX FEDLOAN SERVICING in violation of FDCPA and FCRA for the following : 1. Failure to respond within 30 days of receiving a dispute letter ; 2. Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; 3. Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies. 

YOU DONT HAVE ANY RIGHT BY LAW TO FURNISH ANY INFORMATION ON MY CONSUMER CREDIT REPORT WITHOUT MY PERMISSION. 15 USC 1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citibank N. A. located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX, issuer of the Citi XXXX XXXX AAdvantage card is purposefully and knowingly applying extra payments in excess of the required minimum payment to balances with lower interest rates instead of higher rates. The Credit Card XXXX of XXXX prohibits this practice. I have called numerous times and the customer service reps admit that the excess payments are being applied incorrectl but no resolution when request for pyaments to be applied appropriately are escalated. 

I received a notice from Citibank on XX/XX/XXXX that states " payments amounts greater than minimum due are applied to balances with higher APRs before balances with lower rates '' however, they are not doing so. they are purposely, knowingly cheating their customers and unlawfully making millions. 

Citi bank has been incorrectly applying extra payments ( not counting minimum payment ) since XX/XX/XXXX to date on my account ending in XXXX : XXXX {$1000.00} XXXX {$300.00} XXXX {$2400.00} XXXX {$600.00} XXXX {$300.00} XXXX {$930.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1300.00}. 

Since XX/XX/XXXX, my balances and interest charges have been inaccurate. I need your help since my attempts to resolve it myself have been unsuccessful. 

Thanks, 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