BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I opened a XXXX XXXX credit card so that I can build credit history. XXXX XXXX advertises that they report monthly to all three of the credit bureaus to help build credit history ( see attached Advert.pdf ). Since opening my XXXX XXXX account in late XXXX, I have not had accurate reporting to any of the three credit bureaus despite maintaining excellent payment history ( see multiple Statement.pdf files ). For XXXX, I see no mention of XXXX XXXX in my credit report ( see XXXX Accounts.pdf ). For Experian, I see the account is closed, reporting negative as " Debt included in or discharged through Bankruptcy Chapter XXXX, XXXX, or XXXX '' ( see Experian Accounts, Inquiries.pdf ). For XXXX, I see no mention of XXXX XXXX in my credit report ( see XXXX Closed Accounts.png and XXXX Open Accounts.png ). I have contacted XXXX XXXX several times via telephone regarding this issue, and they mailed me a letter regarding the completion of their investigation ( see XXXX XXXX 3-4 Reporting Correction copy.pdf ) However, this did not solve the issue, so I sent a letter to XXXX XXXX including my reports, and highlighting the errors ( see Letter to Credit XXXX 3-4.pdf ). I received a letter back from XXXX XXXX regarding the reporting issue stating there was no reporting issue, and to sign the bottom ( see XXXX XXXX XXXX 3-31 Letter copy.pdf ). I have even attempted to dispute these inaccuracies with the credit reporting agencies, and to no avail.

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 2018-07-17
Company: JPMORGAN CHASE & CO.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This morning, XX/XX/XXXX, shortly before XXXX XXXX. on my home computer, I authorized a wire transfer in the amount of {$10000.00} to my mother 's bank in XXXX. My mother is an American citizen who resides abroad, having moved to XXXX after retirement in XXXX ( these funds are in fact her monthly retirement income, and I provide her local banking to get her access to these retirement funds. ) Several hours later I received a phone call from Chase that was not clear and disconnected, and an email cancelling the transfer. When I contacted the bank via telephone, I was advised that I needed to go into a branch to show two forms of ID, which I promptly did, and was then allowed to resend the international wire transfer. In verifying the account information I noticed that the banker had left off a digit from the IBAN code, and she advised that she would shred that application which she did not process or authorize. She then reentered the information, which I then verified as correct, including the swift code and IBAN code, which I had received from the international bank this  past XXXX, and confirmed with the recipient that nothing had changed since that time. I then signed the paperwork, and authorized the transfer. The bank processed the transfer providing me with a disclosure and receipt. I then left the bank, returned to my office at which time I received an email alert that this transfer was cancelled too. I called the number indicated on the cancellation notice, and was advised that the internal review process had rejected the transfer, and that there was absolutely nothing I could do about it, and that there was no one within the internal review area with whom I could talk to to see what I could do to get this money transferred. I then called CFPB, and was directed to this forum, and started filling out this information. I then received another email, some forty minutes after the cancellation notice was emailed, advising that my wire transfer was sent. I called and spoke with XXXX who answered the phone for Chase on this most recent call, and she confirmed that the second cancellation was of the transfer that I never authorized, and which should never have needed cancellation, since I received no paperwork that it had even been attempted. This was a nightmare, and horrible customer service, aggravating and frustrating beyond measure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, to may it whom concerns I was running a small company test for less than 90 days before opening my business credit and debit card. There was an incident that happened with my company and the merchant that was involved to receive my payments so they could ship the products to my customers but they canceled the transaction prior when the purchased occurred. 

However, I have contacted the merchant company which was XXXX to asked what happened after a couple of days without my knowledge of knowing what had happened. I recall one of the customer service said the transaction was canceled within 24 hours so which clearly means the products didn't get fulfilled for my customers.

From this point I'm confident that they will release/refund my money which they did, they simply refunded within 72 hours. So which means banks release the money within 3-5 business days to my account.

I have waited for more than 10 days, I was like maybe something went wrong with the merchant so I contacted them and they said usually this takes 3-20 business days, so I'm satisfied and moved on with my month, 30 days passed and still, nothing is happening. I definitely contacted the bank and told them that I still didn't receive the money. 

I filed a claim dispute on XX/XX/XXXX. The bank reached out to the merchant on XX/XX/XXXX. Literary the bank took that much time to reach out, their word was " 90 days '' to get this solved. 90 days passed around XX/XX/XXXX, and they said : " we have to wait until 90 days for the merchant to get back to us. '' What totally made me reach out to you guys was, this has been almost more than 100 days since when they said " 90 days '' for the consumer, not the merchant. 

I would like my funds back. All I wanted was them to push that button and release my money to my account since the merchant already refunded me. I lost my trust with Bank Of America, I would like you guys to come in and help me with this case because they clearly give zero XXXX for the customers. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive contacted Transunion multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. There is a Bankruptcy that shows on my Transunion credit file on, and it doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to receive this information. 
I wrote a formal complaint to Trans Union on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and XXXX bankruptcy from my account due to the fact that it was not mine. I did not hear from them after 90 days so I wrote them again on XX/XX/20 using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred. I have included a copy of the second letter along with the receipt of the certified letter that was sent to Trans Union. I sent proof of the bankruptcy court stating that they DO NOT REPORT ANY FILINGS TO THE CREDIT AGENCIES. I sent proof that XXXX XXXX has no record of this either. 
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. 
If you have any questions, I am free to discuss this situation. 
Thank you in advance for you assistance.

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 2018-07-27
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a request for validation to DIVERSIFIED CONSULTANTS for the they claim I owe them, they received my initial letter on XX/XX/2018 and they also received my 2nd letter dated XX/XX/18. I have not gotten a response or resolution for this issue which is affecting my personal credit. As of XX/XX/18 DIVERSIFIED CONSULTANTS has not replied. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the Chief Executive Officer XXXX XXXX XXXX explaining all of this and told him his company needed to delete it from my credit reports but he chooses not to. Please help and thanks for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
on XXXX XXXX i open up auto loan with XXXX XXXX. I was bring in that much income so i got behind on some payment which cause me to be 30 day late XXXX and XX/XX/XXXX, XXXX, XX/XX/XXXX due to the covid 19 and on XXXX and XX/XX/XXXX due to the covid 19 i ask capital one auto can they please remove this late payments has i one time courtesy they said no please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit file that Equifax maintains under my social I have come to find out that XXXX XXXX XXXX has inserted 9 accounts under my name damaging my credit that does not belong to me. I am a victim of identity theft and there have been many accounts opened using my driver license and social. Not only did XXXX XXXX not inform me that they were inserting negative information into my credit file they didn't give me the opportunity to request validity of these alleged accounts. I have never done business with XXXX XXXX  nor ever had a contract with them stating that I have an obligation to pay them any funds. I have never done business with the company they represent either. Every account listed with this company is a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX had a major security breach and I want to be sure to have them investigated. 
Thank you on behalf of the 143 million Americans affected by this blatant attempt at hiding the truth from the very consumers it holds hostage. 
They should be out of business. There are no do-overs here. They need to pay every single American and put the executives in prison.

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 2018-07-17
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt was taken over by United revenue corp in 2012. They did NOT VALIDATE the debt and I do not owe them or original crediter. I sent letters for them to validate the debt with my signature and they failed to do so, so want to complain against their company.

I want this deleted from my records as they have been harrasing and have not validated the debt.

United revenue corp XX/XX/2012 {$570.00} DID NOT VALIDATE DEBT AND HARASSING ME

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft someone has there photo on my drivers license info and has open several accounts under my name that are not mine Ive provided police reports social security cards signatures and a police report that states the dmv has a drivers license with my information and someone else picture equifax refuses to remove front report these fraud accounts XXXX  and XXXX  have removed these accounts equifax keeps trying to get me to purchase a credit monitor program from them I refuse so I believe this is why they will not delete them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Windham Professionals, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the hospital on XX/XX/18 to be seen. After a few weeks I received a bill from the hospital for around {$1000.00} dollars and I immediately paid it off in full. XX/XX/XXXX I got a letter from ProCo which is a collections agency saying I still owe {$2100.00} for unpaid bills to the hospital. I have never once received anything in the mail from the hospital after paying {$1000.00} so I assumed that everything was all done. There is no way that I could have known that there were more bills to be paid. It is completely unfair that my credit score will now be ruined because I never received any other bills from the hospital, they assumed I did not want to pay it, and it was sent to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: American First Finance, Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I call the credit bureau about the inaccurate inquiries on my report. Their response was that i had to call the company who did the inquiring. Well i did call them right away and they said they would take care of it. They would not send me anything saying that they knew the inquiries were not mine or invalid. I then called the Bureau back and they said there was nothing they could do. Its been over 2 months still no answer. These are the companies and the dates of inquire. XXXX XXXX - Date - XX/XX/XXXX. 
XXXX XXXX XXXX - Date - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-12-06
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I am writing this due to non-compliance with the XXXXXXXX  Credit Reporting Agency, Equifax Credit Reporting Agency, and XXXX  Credit Reporting Agency.

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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: 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 XXXXXXXX Balance : {$420.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I'm being charged late fees on loans as if I'm on a payment plan while in deferment. 
I haven't agreed to a repayment plan because I'm still attending school with loans in deferment. 
My student loans are being reported as not making payments on time with late fees. They are appearing as a negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Paypal Holdings, Inc
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
1. Exhibit 1, I rec 'd an email from Paypal with a questionable transaction, I had not made since I have not used Paypal for several years. 
2. I called listed below the email of this, assuming this is a legitimate email from Paypal. 
3. I talked with XXXX allegely he is from Paypal, that my account had been hacked rom several countries like XXXX, XXXX, XXXX, and locally from ststes like Clorado, Virginia, Texas, and Georgia. See Exhibit 12. 
4. Our phone coversation has been recorded on notepad and Shown on Exhibits 9-15. 
5. Anyway XXXX SAYS, I need purchase XXXX  gifts cards worth {$500.00} each for him to removed my name from these Hackers, so I will not have unusual trnsactions appearing on my Paypal Account, which is backed by my XXXX XXXX. 
6. XXXX made the assurance, not to worry about the purchase of {$500.00} gift cards, because I will be credited back for how many cards I bought. 
7. Starting onXX/XX/XXXX to XX/XX/2020, Exhibits 4 - 8 are the purchases for XXXX Gift cards, which I XXXX  ( my afterthought ) followed on the assurance I will get every amount back. 
8. EXHIBIT 2, is the email again from Paypal that returning {$3000.00} can not be done as Paypal being a company has minimum of {$4000.00} to disburse, so So need to purchase 2 more cards to make credit back to my XXXX XXXX  {$4000.00} and I did follow and purchase 2 cards. ( I already had misgivings about this, it sounded too much of a scam. ) 9. EXHIBIT 3 is the email, {$4000.00}. can not be done but need to be {$5000.00} plus {$500.00} for my patience, but I need to purchase 2 more XXXX gift card for {$500.00} each. That was the last straw, I cease contact with Paypal or XXXX. mY XXXX LUCK, WAS BEING sCAMMED. 
10. You are my last resort, my gut feeling, Iwas XXXX enough to get scammed, but if I was dealing with the real PAYPAL company, let this incident be a teaching moment for others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Nation Start Mortgage ( NMLS : #   XXXX   ), was the previous holder of my loan. I recently refinanced the loan with another lender. I was never issued  the complete refund for the escrow impound account. On the attached document a financial record is shown of the account statement. I received the balance of the statement in the amount of {$1700.00}, however the statement includes a refund of  XXXX  issued in  XXXX  o f 2016. I never received this refund, and have requested a check be issued numerous times. Nation Star has agreed to make  payment, via conversations, however the check has never been received.

Company response to consumer: Closed with explanation