BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: CO
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 written dispute to Experian on XX/XX/2023 outlining the items with inaccurate information, specifically : - U S DEPT OF EDXXXX Educational showing over 40 lates and a {$540.00} past due balance As of XX/XX/2023 my Experian credit report still contains this information and no response had been made to my dispute.

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 2023-04-06
Company: SYNCHRONY FINANCIAL
State: MO
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:
XX/XX/2023 I purchased an XXXX XXXX XXXX receiver from XXXX for {$270.00} and paid for the item on my PayPal Credit account and received the item on Friday XX/XX/2023. I setup the receiver and begin the installation process. Almost immediately I encountered a installation software problem which caused the software to go into a software loop. I was able to find a work around this issue. I contacted the seller and informed them of this issue. I was able to continue the installation process which continued over into the weekend and ran into other non-functional operational issues which displayed Coming Soon. On Sunday XX/XX/2023 I decided to return the item for a refund due to the number of non-operational issues. I drafted a note Exhibit 1 regarding the return. I called and left a voicemail for the XXXX support people regarding the return and informed them I had contacted PayPal and filed a dispute. **Regarding this dispute from PayPal , part of the process was to select a category that identified the problem with the item being returned. There was only ONE selection available that came CLOSE to identifying the issues with the item, that was Product Not As Described. Not exactly the truth however, the closest. The item did perform minimally. 
On XX/XX/2023 I received a RMA USPS sticker for the return item and I affixed it and immediately took the package to the Post Office and waited for delivery to the seller USPS receipt and Tracking report attached Exhibit 2. The item was received by the seller at their office on XX/XX/2023 at XXXX. 
The seller convinced me that my decision to go the PayPal dispute route was a mistake, also adding 60-75 days to the process, coupled with the fact that they immediately sent out the RMA sticker for return convinced me to close the PayPal dispute , which I did. The seller got his money from XXXX/PayPal. After that when I contacted PayPal or the seller all I heard was {$15.00} charge deducted, or XXXX or PayPal wont release monies because I had to file a 2nd dispute to get money back. 
Summary : The seller received the item back on XX/XX/2023 in perfect condition. The seller has the {$270.00} I paid for the item. PayPal or XXXX, Im told wont release my money. I have tons of documentation to validate all my claims. If you need anything documentation wise, please let me know. Thank you, 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 monetary relief
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: TX
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I include it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-10
Company: Experian Information Solutions 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'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian credit bureau to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2022-07-14
Company: HireRight Solutions, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX I have just received a letter from XXXX that I have some issue with consumer credit report. My background check is processed via third party HireRight. I am so surprised that I had some negative findings in my credit report that prevents me from being employeed at XXXX. 
Please give me the permission to look at the report and I can understand what's happening in my case. I was an international student at XXXX XXXX XXXX University from XXXX and left the U.S in XXXX. I have come back to U.S with my family and filed tax returns in XXXX and XXXX and found out someone stole my SSN to filed tax return in XXXX. I filed a Theft Identity Adaffvit and am waiting for IRS repsonse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: JPMORGAN CHASE & CO.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/21, I received my 1st deposit into my XXXX account from XXXX of DEED the 1st deposit was for {$470.00}, and the second for the fed unemployment {$300.00} for a total of {$770.00}. Within 10 minutes of that deposit being made Chase ( JPMorgan ) unauthorized hacked into my XXXX account, initiated a link with my XXXX account and transferred the entire deposit to themselves. I haven't had a Chase account in over 8 months. My account was closed and Chase still has over $ XXXX of my money, tied up in disputes. I saw the email I received from Chime that Chase watrying to link the bank, however when I look on my side - Chase IS NOT a linked account. I looked on my account online and saw it suddenly had a XXXX balance. I contacted XXXX immediately, explained that this was an unaurhoeized transfer and it needed to stop which they did. However, unknown to me, after 20 minutes Chase came back in and this time took {$500.00} from the account which I noticed this morning and tried to stop it but couldn't stop it, so I files a dispute against Chase to get the money back. I'm a XXXX XXXX XXXX disables woman living on XXXX and unemployment ( having to look for work to pay bills and get my medicines ). I can't afford to tose {$500.00} to a bank I no longer have an account with and they owe ME money!!! Chase needs to be help accountable for unauthorized withdrawals!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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 reported a suspicious account opening involving my personal information to the appropriate XXXX, Equifax, and XXXX personnel on XX/XX/XXXX I begged everyone to delete these accounts since I had no idea how they got there. All three companies gave me advice on how to keep track of things and fill out an FTC form. I submitted my information on XX/XX/XXXX. Even though I had sent my letters more than 30 days ago, the accounts that weren't mine were still mentioned in my paperwork since they had been " verified. '' This is a problem that terrifies and bothers me since it hinders my family and I from purchasing a home. I contacted the three companies again on XX/XX/XXXX to ask how they could confirm that these accounts belong to me. They said there was nothing they could do to help me and that I had to speak directly to the debt collectors. The customer called the wrong bank and left a message ; they don't know who I am or what kind of account they are talking about. Just to be sure not to be mistaken, I searched the internet. My friends recommended me to visit the CFPB website. Me and my family can't wait to find the home we're looking for, so I thought it would work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Our automobile leasing company, Nissan Motor Acceptance Corp. ( NMAC ), began paperless statements. I did not know this. We don't use computer that often. I realized that we did not get a recent bill and contacted them. I was informed that we were 2 months in arrears nearing a third month overdue. I immediately paid 3 months to become current and requested they return me back to mail statements. I found out shorlty after it was reported to the credit bureau as delinquent and our credit score was reduced almost 100 points. NMAC should have contacted us by phone or mail to alert us we were late with a payment so we could have paid our bill, for sure, less than another passing month. Also notify us that if we didn't respond it would be reported to credit bureau. There is no customer service here at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Monterey Financial Services LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was coerced into signing a contract for a " timeshare '' under false pretenses. It is not a real timeshare and I am paying money every month for something that does not give me anything free. When I want to use the timeshare I am still charged hundreds of dollars. I have stated that this is too expensive and it has put me in a financial strain and it's not even beneficial to me in the least bit. However they stated there's nothing they can do. They even reported me to the credit bureau and I'm trying to clean up my credit. When I tried to talk to them ( on multiple occasions ) about relieving me of the debt they were very rude and stated it's not their problem and I have to pay! This has been a headache for me from day one and I want out!!! I should not be forced to pay for something I can barely afford and can not use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: FIRST REPUBLIC BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
How was First Republic Bank able to make ALL of those low interest loans to clients without actually VERIFYING whether those clients had the ability to pay. I have met at least two clients who said a ) they never checked my income [ one was a realtor ] and b ) IF I put $ XXXXXXXX XXXX into XXXX they'll give me a loan. 
How does this follow the CFPB 's requirement ( that I, as a mortgage originator MUST follow and have followed these past 15 years! ) to verify the person 's actual financial ability to pay the loan. They have based ALL of their loans on client relationships with 'only ' wealthy customers ( another violation of potential redlining or covert bias ) and on the idea that, at least at the inception of the loan, the borrowing clients put $ $ $ into XXXX. These same clients were allowed to pull the funds immediately after close. And you're surprised they're on the verge of receivership. WHY WEREN'T YOU WATCHING THIS??!!

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 2022-08-13
Company: Experian Information Solutions Inc.
State: CA
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:
I have repeatedly requested verification and validation of an entry on my credit report from the reporting agencies and the collection agency. I have sent multiple letters regarding XXXX XXXX XXXX whom harassed me by telephone multiple times but refused to send me a validation or verification of the alleged debt.

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 2023-07-05
Company: CONTRACT CALLERS INC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a derogatory remark appear on my XXXX and XXXX reports for a debt of {$120.00} from CONTRACT CALLERS INC opened on XXXX that I was never contacted about. It says the original creditor is XXXX XXXX XXXX XXXX. I last used XXXX in XXXX of XXXX, when I moved from my apartment in XXXX. I closed my account. I have tried contacting ComED to see if there is an open balance I was unaware of an they have nothing on their record. The Contract callers have never contacted me about this so called debt but they keep filing derogarotry remarks on my XXXX and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
On XX/XX/2021 a transaction of {$490.00} was made on my capital one credit card to front gate tickets for concert tickets. This was a double billed transaction, I only intended to purchase half of the tickets/transaction amount. 

I contacted the ticketing company and capital one to get a refund for half the amount. Capital one gave me poor advice on how to handle this transaction and directed me to accept disputing half the charge. Well front gate cancelled my entire order and capital one will only refund me for half my purchase. So I have XXXX tickets and had to pay {$240.00}. I contacted the ticketing company again, and they said they are having issues giving me a full refund due to capital one. All I would like is a full refund for my order that was fully cancelled. 

They are not protecting the customer, they are protecting the merchant. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is my second time making a complaint about Bank Of America. 

Can someone look at the previous complaint it is all the same exact informtion. Today a Bank of America associate called me about my case stating that it was imnpossible for me to be in the situation that I am in. She adivised me that my story was not authentic. She kept referring to things that happen in the past and not that occured on the exact day and time that this incident took place. I would like some one to look thru my case and actually resolved this matter instead of just skimming thru this case. 

PREVIOUS CASE COMPLAINT ID XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Chime Financial Inc
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Chime account and received my card in the mail and activated. I deposited {$1000.00} into my account on XX/XX/XXXX, then 4 days later, my account was locked because the company stated that I did not provide the necessary documentation for verification of my identity. I have since then sent them the documents that were requested on XX/XX/XXXX. It has now been 5 days, and my account is still locked. They have my money but I can not access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted a payment by electronic check to the bank I use for my auto loan and they sent an email stating there was an error and the payment could not be processed. I processed another payment by debit card. Soon after, they withdrew my checking account that I initially used. I disputed the transaction with my bank after I tried to let them know it was a payment that wasnt supposed to go through. Both payments were reversed and the company is reporting my account incorrectly. Ive tried to ask for leniency because Im getting my credit back on track.

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 2023-04-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was in an agreed eighteen month abeyance under the Covid program ( see attached letter ) Before it was due to expire I got in touch with Wells Fargo to commence repayment and to find out how the payments not made in the abeyance period were to be made good I got no clear answer with Wells Fargo suddenly talking about having to requalify for reinstating the mortgage and sending me documents about foreclosure and mortgage assistance, which I did not request. ( see enclosed ) Very alarmed at the turn this has taken which bears no connection with anything said or agreed at the start of during the process of abeyance. 

I called monthly to update Wells Fargo. I was expressly told that payments in abeyance could be tacked on to the end of the mortgage to pay at that time or if sold. 
Document 1 verifies that option.

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 2016-09-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX name is incorrect on my credit report. The name is XXXX XXXX. Also, XXXX account shows to be in collection and I do n't know what it is.

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