BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-14
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made an ATM withdrawal at a Bank of Hawaii ATM in XXXX, using my XXXX  XXXX XXXX card to withdraw {$400.00}. I put the card in and chose " FastCash '',  and then entered the amount and pressed enter on the keypad. But the machine only withdrew {$200.00}, charging a {$3.00} transaction fee. I agreed to a {$3.00} service fee for a withdrawal of {$400.00}, not {$200.00}. Thus I had to make an additional transaction to withdraw the remaining {$200.00}. If I had known I would be charged {$3.00} to withdraw {$200.00}, I would not have agreed to it. 

Here are the transaction details : BANK OF HAWAII ATM XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXXXXXX HI BANK OF HAWAII XX/XX/XXXX #  XXXX WITHDRWL XXXX XXXX XXXX XXXXXXXX HI

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, the collection agency for XXXX XXXX XXXX  is reporting that I have a missed a payment 4 months ago for an account they have been trying to collect for 4 years. Because I repeatedly disputed it to have it removed, they updated the information as if it's current and accurate information. It's damaging to my credit and reputation. 
Please remove the account permanently from all three bureaus. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Per the state of IL a collection agency MUST be licensed in the state in order to collect! XXXX is not licensed and they refuse to remove this off of my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$250.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : 11 XXXX ) XXXX Balance : {$220.00} XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX Balance : {$600.00}

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 non-monetary relief
Consumer complaint received 2020-09-11
Company: MIDFIRST BANK
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I HAVE FILED NUMEROUS WRITTEN COMPLAINTS AGAINST YOUR CONSUMER FINANCIAL PROTECTION BUREAU AND ITS REPEATED REFUSALS TO PROTECT THE CONSUMERS. CONGRESS NEEDS TO IMMEDIATELY DE-FUND THE CONSUMER FINANCIAL PROTECTION BUREAU DUE TO ITS REPEATED INABILITIES AND REPEATED REFUSALS TO PROTECT THE CONSUMER.THIS COMPLAINT IS RELATED TO THE ONE THAT MY BROTHER, ATTORNEY XXXX XXXX HAD PREVIOUSLY FILED WITH YOUR NON PERFORMING CFPB. ON OR ABOUT, XX/XX/XXXX MY BROTHER, ATTORNEY XXXX XXXX HAD OPENED UP AN ONLINE SAVINGS ACCOUNT WITH YOUR VIO ONLINE BANK DBA MID FIRST BANK XXXX XXXX   XXXX, OKLAHOMA. ALL OF THE MONEY THAT WAS DEPOSITED INTO THIS VIO ONLINE BANK ACCOUNT BELONGS TO MY BROTHER, ATTORNEY XXXX XXXX. I, XXXX XXXX HAD RECEIVED A LETTER FROM YOUR VIO ONLINE BANK THAT STATED THAT THE VIO ONLINE BANK HAD THE RIGHT TO CLOSE MY ACCOUNT. THE LETTER HAD ALSO STATED THAT ALL OF MY MONEY WOULD BE MAILED TO ME IN A CHECK ON XX/XX/XXXX. IT IS NOW ALMOST XX/XX/XXXX AND I HAVE NOT RECEIVED MY MONEY. A VIO BANK 'S SPOKESPERSON KNOWN AS " XXXX, LAST NAME UNKNOWN '' HAD REPEATEDLY STATED TO ME THAT MY MONEY WAS RETURNED BACK TO XXXX THROUGH AN AUTOMATIC CLEARING HOUSE ( ACH ) TRANSACTION. HOWEVER, XXXX HAD REPEATEDLY STATED TO ME THAT THERE IS ABSOLUTELY NO HISTORY OF VIO BANK AND/OR MID FIRST BANK ATTEMPTING TO RETURN ALL OF MY MONEY. FURTHERMORE, THE XXXX ACCOUNT THAT WAS PREVIOUSLY LINKED TO MY WRONGFULLY CLOSE VIO ONLINE BANK ACCOUNT IS NOW CLOSED. I, XXXX XXXX AM DEMANDINFG ALL OF MY MONEY BACK PLUS ACCRUED INTEREST MADE PAYABLE UP TO THE DATE THAT I HAVE ACTUALLY RECEIVED MY VIO BANK 'S PAPER CHECK/CASHIER CHECK THAT ACCURATELY AND CLEARLY SHOWS A PAYMENT AMOUNT OF ALL OF THE MONEY THAT WAS DEPOSITED IN THIS NOW CLOSE ACCOUNT PLUS ALL INTERESTS UP TO THE DATE THAT I, XXXX XXXX HAD ACTUALLY RECEIVED THE PAPER CHECK/CASHIER CHECK.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: WELLS FARGO & COMPANY
State: TN
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:
Wells Fargo is reporting a debt being charged off on my credit. I've been in contact with Wells Fargo to resolve this matter they have been unwilling to settle the debt or update my three credit Bureaus XXXX, XXXX and XXXX reflecting a O balance. 
I'm being held hostage by Wells Fargo Bank and discriminated against because of the way they are reporting this debt that they say they can't collect or update balance on my credit. I need to clear this debt up because of employment opportunities.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Bankruptcy XXXX XXXX # XXXX, Bankruptcy XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX ( XXXX ), XXXX loan XXXX # XXXX, US Dept . of Education, XXXX XXXX XXXX XXXX # XXXX ( XXXX ), # XXXX, XXXX XXXX # XXXXXXXX XXXX  XXXX # XXXX ( XXXX ), XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX ), XXXX XXXX # XXXX ), XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-05-19
Company: EQUIFAX, INC.
State: WI
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:
No providing dispute investigation results to items in dispute. 
I sent in multiple disputes about accounts and inquires that are not mines. Bankruptcy reporting. I never completed bankruptcy payment to get started. False information in report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) is reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by XXXX XXXX. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer. 
Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted XXXX and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( XXXX XXXX, XXXX  ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. 
I want all information from this company removed from my CRA reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 non-monetary relief
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
After looking over my credit report, I noticed two 30-day late payments that were supposed to be removed from my mortgage account with XXXX XXXX XXXX # XXXX. The dates are XX/XX/2020 & XX/XX/2020. My income was affected due to the COVID-19 Pandemic SHUTDOWN. This late mark is preventing me from many potential opportunities. There are certain laws put in place to protect everyone for unforeseeable events such as the current national disaster. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.

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 2020-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my information and opened 2 credit cards in my name. The address where the fraud took place is XXXX XXXX XXXX in XXXX Ca. I currently live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for almost 5 years. I tried to dispute the items with the collections department as well as the creditors with a police report number which I sent several times and they have not deleted the items. One item is XXXX XXXX   and the other is XXXX XXXX. Please help I will send paperwork thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: EQUIFAX, INC.
State: NJ
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 an enrolles with a company for family budget services to get my credit card payments reduced. The payment gets made but misses by a few days. Then XXXX XXXXXXXX XXXX puts me over the 30 days past due by hundreds in the month of XXXX and XXXX and is effecting my credit score. I've tried with family budget services, XXXX XXXX XXXX, and multiple credit reporting to dispute these past due amounts. These past due amounts are well over what was even due and is become extremely aggravating and XXXX  is not doing much to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
SALLIE MAE BANK joined XXXX XXXX XXXX University in predatory lending practices in 2006.

The accounts that were opened were then transferred to Navient, without my consent allowing them to gain from the sale..

Navient has sent letters to reduce the principal balance threatening they would take legal actions. 

XX/XX/XXXX XXXX XXXX a debt collection company contracted with Navient to collect {$30000.00} also stating they are willing to collect amount of {$11000.00} The Original Principal balance was ....

The amount I have paid including interest ... ...

Was not included in the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Solomon and Solomon, P.C.
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to Federal student aid ( department of US education ) and national student database, I have 17 total student loans which has been consolidated under 3 loans with XXXX XXXX borrowers to service my loans. I have confirm with FSA & XXXX XXXX that i have no other student loans, also verified by national student loan database. Company name Solomon & Solomon P.C. claims that they have been hire to collect my student loans behalf of NJ education department. They do not provide any documentation or provide any proof regarding this loans.Solomon & Solomon P.C. is charging daily interest on this accounts. They have report this on my and my parents personal credit under " NJ education dept '' in which balance goes up every month with default status. my families personal credit has been ruined because of this. Lenders look at this accounts as default with federal and therefore it disqualifies with any SBA loans or mortgage loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
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: Account status incorrect

Complaint:
Equifax ; Experian and Transunion should not be reporting a collection/chargeoff in the amount of {$7.00} on the BK OF XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in 2015. I contacted a customer service representative with XXXX  XXXX XXXX regarding this outstanding balance. I was never sent a bill nor did anyone ever contact me about any outstanding balance. I did not know that this account had gone to collections until I obtained my most recent copy of my credit report. This account needs to report a {$0.00} balance. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: TN
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 first noticed fraudulent inquires on my report with all 3 bureaus in XXXX of 2020, I promptly contacted my local police department and filed a police report for fraud. Report number ( XXXX ) XXXX Police depart located at XXXX XXXX  XXXX XXXX. XXXX TN XXXX. I then sent proof to all 3 bureaus and still nothing while this is going on a fraudulent medical bill occurs on my file while I am in the of buying a home. I contact the company ( XXXX XXXX ) account # XXXX and a representative and several supervisors confirm that I don't have and account and that the information is reporting wrong with XXXX  and XXXX. I have all the documentation I need to prove that these inquires and collection account are fraudulent, but I cant seem to get any help, I've also filed an FTC Affidavit.

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 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
To Whom It May Concern : On XX/XX/2020, TransUnion, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. The account is collection/charged off account balance should be XXXX. How did you verify and validate this account because this is still reporting the discrepancy I mailed you previosuly about? 
XXXX XXXX Account Number : XXXX Please remove it from my credit report because it does not look like this was verified and validated at all. 

FOR TransUnion 1. The account is collection/charged off account balance should be XXXX. How did you verify and validate this account because this is still reporting the discrepancy I mailed you previosuly about? 
XXXX XXXX Account Number : XXXX Please remove it from my credit report because it does not look like this was verified and validated at all.

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 2020-10-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I

am in the process of refinancing my current mortgage. In order to make a financially sound decision, I need to know certain key information about my current loan including the amount of interest remaining on my loan from now until its maturity. To that end, I have called my current loan servicer,
Bayview Loan Servicing ( Recently changed name to Community Loan Servicing ) on multiple occasions to obtain this key information about my loan.

However, the loan servicer customer service agents have shown an unbelievable level of reluctance and incompetence, and to some degree outright refusal in helping me obtaining this information. As a result, I am not sure if I am making a correct decision in refinancing my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 first noticed fraudulent inquires on my report with all 3 bureaus in XXXX of 2020, I promptly contacted my local police department and filed a police report for fraud. Report number ( XXXX ) XXXX Police depart located at XXXX XXXX  XXXX XXXX. XXXX TN XXXX. I then sent proof to all 3 bureaus and still nothing while this is going on a fraudulent medical bill occurs on my file while I am in the of buying a home. I contact the company ( XXXX XXXX ) account # XXXX and a representative and several supervisors confirm that I don't have and account and that the information is reporting wrong with XXXX  and Transunion. I have all the documentation I need to prove that these inquires and collection account are fraudulent, but I cant seem to get any help, I've also filed an FTC Affidavit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX, accessed my report without my permission which is a violation, pursuant to 15 USC 1681n. They put inquiries on my report on XXXX dates ( XX/XX/XXXX ), ( XXXX ) and ( XX/XX/XXXX ). This has affected my credit. By these violations, Pursuant to 15 USC 1681n, I am entitled to {$1000.00} per violation.

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 2018-04-03
Company: Experian Information Solutions 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 am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit report. The following inquiries on these dates were not authorized by me : XXXX Dates : XX/XX/2017 XX/XX/2017 XX/XX/2017

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