BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Over the past six months or so, I have written numerous times and have called requesting that my Personal Information be corrected for accuracy to avoid misidentification. I requested that reported name and address on credit report be corrected, per my submission of Identification Documentation, i.e., Driver 's License, Social Security Card and Auto Registration Card. Company has failed to completely correct my personal information, despite Identity Verification. Help!!!

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 2023-10-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit 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:
RE : Transaction Date XX/XX/2023 Merchant name : XXXX XXXX in the amount of {$410.00} Chase website does not allow me to open a dispute against aforementioned merchant in aforementioned amount, therefore I called Chase on XX/XX/2023 to open dispute against aforementioned merchant in the aforementioned amount. 

Chase Representative additionally refused to let me open a dispute on aforementioned transaction but promised an investigation will happen to ask merchant to refund my account. No more than XXXX minutes after this phone call I received an emailed letter from chase stating we resolved your dispute. However, nothing was resolved, nothing was refunded, What a farce and a Sham. Chase did nothing to resolve my dispute, chase refused to open a dispute and you refused to let me upload supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
On XX/XX/, I waited on hold for 77mins to speak with a customer service representative from Mohela . I had concerns regarding the status of my XXXX application as well as questions regarding bill correspondence I received on 2 separate occasions. First bill from Mohela dated XX/XX/, stated my bill would be {$98.00}, due on XX/XX/. The second bill from Mohela dated XXXX. Stated my bill would be {$190.00}, due on XXXX 
When I finally spoke with the Mohela representative, he did not have a explanation for the discrepancies with the two bills, nor did he have information regarding a realistic timeline as to when my XXXX application and payment counts will be concluded. 
I feel like Mohela is purposely misleading consumers on the time it takes to count payments towards loan forgiveness. And that they discourage consumer concerns by have ridiculously long wait times to speak with a live representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Foursight Holding LLC
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. EQUIFAX is denying me from submitting disputes online when I didnt give my consent for these accounts to be furnished in the first place. They arent notifying me when a dispute is finished and the same accounts are saying, dispute isnt available. Lastly, an employee told me, XXXX are the ones disputing on my behalf. Thats identity theft. Any person, which includes an organization, who willfully and knowingly obtains information on a consumer, like me, from another consumer reporting agency, without the written instructions or authorization pursuant to 15 U.S.C. 1681b, is information obtained under false pretenses. You have no lawful authority, this is a crime under title 18, and fines are described in 18 U.S.C. 3571. Ive been disputing the SAME accounts for over a YEAR now. Thats a violation of 15 U.S.C. 1681n and 15 U.S.C. 1681o, EQUIFAX is willfully and knowingly allowing this. I am demanding consideration and deletion of these accounts. Please look at the attachments/exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2020-01-16
Company: EQUIFAX, INC.
State: OR
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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I recently received a credit card in the mail from CapitalOne that I never applied for. I never even considered opening an account with them. When I called CapitalOne they passed me to their fraud department who claimed that I DID apply for it, but they would start their investigation into it as a fraud complaint. They then informed me that it would take 90 days to clear/correct my credit reports. Didn't the Federal Trade Commission ban the unsolicited mailing of credit cards way back in XXXX?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 am writing to file a formal complaint against Capital One Financial for their negligent handling of my credit card account, which was unlawfully subjected to fraudulent activities. Upon discovering unauthorized transactions on XX/XX/2023, I promptly reported the issue to Capital One, resulting in the closure of my account due to the acknowledged fraud. Despite this closure, the financial institution has continued to assess exorbitant late fees and interest charges, compounding my financial distress. The lack of a thorough investigation into the fraudulent activities by Capital One is not only a breach of their duty to safeguard customer accounts but also a violation of consumer protection laws. The unprofessional conduct exhibited by Capital One 's customer service, including the use of inappropriate language and abrupt termination of calls, further underscores their disregard for customer well-being. I am disputing all late fees, interest charges, and additional transactions on the account that occurred after its closure due to fraud, and I urge CAPITAL ONE to investigate this matter thoroughly and take immediate legal action against Capital One to rectify the situation. Enclosed with this complaint are supporting documents, including copies of relevant statements and communication records with Capital One, which substantiate my claims and highlight the urgent need for intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX, again, I received a letter from Bank of America branch addressed, XXXX XXXX XXXX, XXXX, TX XXXX, asking me to submit more information on something, which I can not guess because there is no claim number and I have many issues at hand.

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 2023-02-11
Company: EQUIFAX, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX 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 ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone has applied for credit in my name and is fraudently tried to optain credit in my name without my permission. These hard inquiries are a mere blemish to my credit report. This inaccurate information is really hurting my overall credit rating. Here are a list of unathorized inquiries. 

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 2023-02-11
Company: Harris & Harris, Ltd.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Harris & Harris has sent multiple letters to home demanding I pay debt of unknown source. The letters each time contain a different amount owed, they have not verified that I owe this debt. I have received harassing phone calls multiple times a day at all hours of the day, lately phone calls have been coming in as early as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent letters out to the Dept Of ED Navient / Aidventage & I don't owe anything with this account both companies can not locate an account for me I want this company to remove their negative reports on my credit profile from all 4 credit reporting bureaus. Also, they have not responded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for an American Express Card through XXXX XXXX. I was super excited to have this card. My application did not mention the annual fee and for both cards one was {$690.00}, and the other card was {$170.00} totaling {$870.00}. I did not order a second card I am only one person. These charges were not disclosed to me at the time of application and immediate acceptance.

I have spoken to American Express, and they are cancelling the card and charges. However, this is an unethical practice.

I am seeking damages as this cancelation will cost me point on my credit score. 


XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX and I have been trying to get these collections off my credit report since XXXX of XXXX. Since that time I have sent 3 Certified letters 3 times to ARS, XXXX XXXX XXXX and XXXX. I sent letters because I believe that my HIPPA Rights have been violated because I do not recall giving anyone or signing anything of releasing any of my medical information to anyone. Also, I asked for validation of debt letter and never received anything. Until XX/XX/XXXX ARS sent a collection letter but it has violations on it, according to 15 USC 1692 b 2 and 15 USC 1692 b 5. To this day over 120 days later, and that was the only letter I received. I also sent them an Affidavit about the violations. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I am in the process of getting a home loan and this is hurting me. I am a single parent with XXXX kids trying to make things better for us.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account : XXXX XXXX XXXX XXXX Balance : {$130.00} - An account showing to be 120 to 180 days late is considered a charge off accounts under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 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 non-monetary relief
Consumer complaint received 2021-06-23
Company: TRANSWORLD SYSTEMS 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:
UNIV ACCT SV XX/XX/2019 Inquiry This is an inquiry on my credit report that pertains to a student loan. Ive never taken out student loans therefore this inquiry is fraudulent and inaccurate. It is illegal to be on my credit report according to the consumer debt laws. I spoke with the company directly and they acknowledged tht it was a mistake and that it shouldnt be there. I spoke with XXXX  and they were not cooperative about removing this fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: TX
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 went to court and hired an attorney to settle the debt. I have copies of the mediation and settlement agreement and Equifax is still reporting it on my credit. I have attached copies of the settlement documents as proof in my file. Equifax is abusing its credit bureau priviliges against consumers in an effort to get money out of them and still not doing their part in holding up to their agreement. Equifax needs to block them in e-oscar so they will not be able to hurt the public and continue to manipulate consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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: Their investigation did not fix an error on your report

Complaint:
The XXXX XXXX XXXX XXXX accounts is inaccurate. This account should be removed. It is closed and reporting inaccurate information. Experian, XXXX and XXXX fail to remove the account due to it being inaccurate 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 2021-07-20
Company: Rosebud Economic Development Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Shortly after I got the loan from this company they fraudulently took money out of my bank account without my permission they wrote a check and took money out of my bank account when I never even had a checkbook or anything like that I contacted my bank and they fixed the issue within my bank account but the company fraudulently took take money out of my account under false pretenses. When I contacted the loan company about this they hung up on 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 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX charged me. i never authorized that charge or even get their credit card. after calling them repeatedly i was unsuccessful. i filed a dispute with TransUnion. The response from TransUnion on XX/XX/2018 was that they reinserted in my credit report with no explaination.

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 2022-12-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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 response to consumer: Closed with explanation