BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed this debt with credit bureaus numerous times and requested proof of investigation. The credit bureau respond that they have investigated, however offer no proof that the debt that I dispute is accurate. I do not nor have I ever done business with XXXX XXXX, however they are listing a debt on my credit report that I have disputed several times.

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 2021-02-26
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts are not mines nor have I agreed or entered into a contract with any of these frivious companies with these false allegations affecting my credit files. Please send me physical documentation that Supports their claims if not I'm demanding the immediate removal of the following unknown and unauthorized accounts. 

1. XXXX XXXXXXXX XXXX XXXX 2. XXXX XXXX XXXX 3. 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 2017-08-18
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victom of a data breach when I was serving in the XXXX XXXX. I recieved a letter from the XXXX government stating my identity was stolen. This occured in XXXX. I have notified all XXXX credit bureaus since then numerous times with letters and police report and these items are STILL FRAUDULENTLY REPORTING on my credit report. I spoke with a supervisor at Equifax on XXXX XXXX XXXX and was told they would contact me within 4 days with dispute results, they did not. I then called and spoke with a XXXX, she would NOT let me speak with her supervisor. She would NOT remove these fraudulent items. She also WOULD NOT remove the items reporting as late pays that were NOT EVER late. I have written formal letters again more recently on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX and submitted them by mail to the bureaus along with my correct indentification and supporting documentation.according to the law, they must respond within 45 days of recieving my letters from their investigation. They must provide me legal notorized documentation from the lenders proving these items are mine or else they MUST REMOVE THEM. I called to notify them twice now and was told they would not remove them. This is a direct violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I did a balance transfer from my CAP ONE account to my XXXX ion the amount of {$1700.00} in XX/XX/2018. There was an issue of some sort in payment processing which resulted in a supposed returned check payment on CapOne 's side, but XXXX  does not believe that to be the case. So now I have a {$1700.00} balance on my CapONE card and my XXXX. I am paying CapOne {$1700.00} that I technically do not owe because this card should be at a XXXX   balance. XXXX  has escalated the issue on their end, but they are telling me they have had no luck with a response from CAPone. They have tried reaching out to CapOne via email, and through regular mail. CapOne has been no help whatsoever and this causing a great deal of stress now, because I take care of my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
ON XX/XX/XXXX I ATTEMPTED TO SEND A DOMESTIC WIRE TRANSFER TO MY BUSINESS CHECKING ACCOUNT WITH FIFTH THIRD BANK FROM MY CAPITAL ONE SAVINGS ACCOUNT ( NOW CLOSED *6067 ). I WAS TOLD BY CAPITAL ONE THE TRANSFER WAS REVERSED BECAUSE THE ACCOUNT THE MONEY WAS BEING TRANSFERED RO WAS EITHER CLOSED OR WRONG ACCOUNT NUMBER WAS PROVIDED. I SPOKE WITH FIFTH THIRD BANK THAT DAY THEY STATED THEY DID NOT REJECT THE TRANSFER. THE ACCOUNT NUMBER WAS CORRECT AND THE WIRE TRANSFER NUMBER WAS CORRECT. ULTIMATELY, THE TRANSFER WAS REJECTED AND MONEY WAS RETURNED. CAPITAL ONE SAYS IT WAS FIFTH THIRD, FIFTH THIRD SAYS THATS NOT TRUE. THE FUNDS WERE REFUNDED, BUT I WAS CHARGED A {$30.00} WIRE CONVENIENCE FEE. I REQUESTED AN OPPURTUNITY TO HAVE INVESTIGATION FORM COMPLETED TO SEE WHY WAS THE TRANSFER REJECTED. I WAS TOLD THIS IS ONLY AN OPTION WHEN FUNDS GO MISSING, WHICH WAS NOT THE CASE FOR ME. I REQUESTED A RECEIPT AND WAS TOLD I WOULD HEAR BACK AND RECEIVE THE RECEIPT FROM CAPITAL ONE WITHIN 3-5 BUSINESS DAYS. THEY KNOW HOW TO GET IN TUCH WITH ME VERY QUICKLY. I WOULD LIKE TO EXPECT THE SAME URGENCY WHEN I REQUEST OFFICIAL DOCUMENTATION. I HAVE NOT RECEIVED THE RECEIPT AND WAS CHARGED A CONVENIENCE FEE FOR A TRANSACTION THAT DID NOT OCCUR AND NOT TO ANY FAULT OF MY OWN.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-12
Company: Miller, Stark, Klein and Associates
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/19 : Received voicemail stating There have been several complaints in our office and have made multiple attempts to reach you at your home address Did not receive letters at home nor do I have anything on credit report for any debts. 
XX/XX/19 : Receive multiple missed calls from same phone number XXXX ( XXXX ) XXXX, no voicemail or company information given. 
XX/XX/19 : Company calls my place of employment and gives information to an employee about myself. I return call asking to not be contacted at a business. Lady threatens to contact work again and doesnt provide any information for reason of call just that they would be serving me with paperwork. I do not feel it is legal for any company to contact a place of business and give information over the phone. Debt collectors or mediators should not be allowed to contact places of business. I do not provide any personal information at any point, it is not my debt. I do not want them calling my personal phone let alone an employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
When the Public Service Loan Forgiveness program was announced, I contacted my loan servicer at the time ( Nelnet ) and asked to make sure my student loans were under the correct loan type and repayment plan to be eligible for the PSLF program. I was working at a 501 ( c ) ( 3 ) NGO at the time. I was told that my loan type and repayment plan were eligible for the PSLF plan and did n't need to do anything at the time to apply for the program. I just needed to submit the correct forms when I was getting close to my 120 payments to be eligible for the program. Around XXXX I was told by Nelnet that I currently did not meet the qualifications for the PSLF and needed to consolidate my loans to a different servicer under the PLUS program to continue eligibility. I ended up getting a consolidated loan through XXXX and then was transferred to XXXX. I told them specifically that I wanted to be eligible under the PSLF program as I am employed by the XXXX and was put on a graduated repayment plan and told that it qualified for the program. In late XXXX I sent in paperwork for the PSLF for the 501 ( c ) ( 3 ) organization I worked for, and then one for the XXXX I have been working for for the past 7 years. After submitting, I got a notification that I was being again transferred to a different loan servicer. Today I got an email stating that I needed to select a different repayment plan because the current plan I was paying under ( and was told previously that it did qualify ) did not qualify for the PSLF program. I called the new loan servicer ( XXXX - XXXX ) to inquire what has happening with the loan. I was told that NONE of my payments since XX/XX/XXXX qualified for the PSLF program. I found out I was given incredibly incorrect information by both Nelnet and XXXX in repaying my student loans. After paying these loans for the past 9+ years, on time each month, under what I was told to be a correct repayment plan and loan type, my student loans totals have increased because of interest. I feel that because I was told this information by an approved servicer that these years worth of payments should be applied to the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
First, I get two mails from Chase Bank to my address informing me that I recently applied for an account with them. They went to acknowledge that the account were not authorized because there was not enough verification provided to verify that it was me opening the account. Both letters were dated XXXX XXXX XXXX. I didnt think nothing of it and thought everything was okay. 

Second, XX/XX/XXXX I received XXXX emails from JPMorgan Chase Bank. They came in around evening time around XXXX confirming that I enrolled in their credit monitoring program. Next day comes around XXXX I found chase number on their website to contact them over the phone, I speak to an agent then they transfer me over to the claims department. The agent answers to take all my information and the guy tells me that the account was processing but there was not an active account but he did see 7 profiles under my name but there were not any accounts. Someone was attempting to open accounts under my name but they were not processed. As the agent is processing my identity theft claim the call drops. 

Furthermore, I call back to get back to the claims department this time Im met with rude agents. Im transferred over to someone and the agent refuses to give me help. I am begging with them to stop the account before the account processes and go through but they tell me they can not help because theres not any account opened. I call back again to get a new agent shes talking so fast and being rude, she ends up setting my my identity theft claim but I blame chase because i ask them why would they process this account when I called earlier to warn them it was fraud. I never been a customer of chase ever and been a customer at XXXX XXXX XXXX for 5 years.

Lastly, I call back again to get more information form they account they refuse to tell me. They inform they added an alert. So I already frozen my credit as well and I then i sit on hold for 2 hours with no help. Agents are all rude and dont want to help. 

I called today XX/XX/XXXX to get more information but the agent ends up being helpful but she also refuses to help me out. She seemed lost or just laughing it off when this is serious. They didnt even want to disclose my information with me and I told them it was me. So, I told them Ill go to the branch with my police report to get this done and they said itll take days on end for them to process. Im very upset and angry, this is misuse of peoples information. Chase needs to be held accountable for this immediately and remove my account asap without a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
To whom it may concern I received a copy of my credit report, because I'm in the process of purchasing a home for me and my children. Upon receiving the report I noticed that it had a collections account on there with a balance of {$60.00}. There are two things here that bothers me and has now stopped me from purchasing a home for me and my children. First, this account was paid in full and it should never have gotten put on my credit report from the beginning. Second, although I paid the account I never received a notice from XXXX XXXX XXXX XXXX XXXX stating that they were putting this on my credit report. If I'm not mistaken. According to the FDCPA I must be notified within five days of a collection agency putting anything on my credit report. That was not done.

I reached out to all 3 credit bureaus and they are saying that the information was verified accurate. In which, they have not sent me anything showing how they got their information. Nor how this inaccurate account is showing verified as accurate. 
I ALSO SENT THE COPIES OF THE PAID IN FULL RECEIPT. 

Therefore, at this time I am asking that you please have this paid account DELETED from all 3 CREDIT BUREAUS. I DO NOT WANT IT JUST TO SHOW COLLECTION/PAID BECAUSE IT SHOULD HAVE NEVER BEEN PUT ON MY CREDIT REPORT. IT WAS PAID IN FULL BEFORE IT WAS PUT ON THE CREDIT REPORT. AS WELL I NEVER GOT ANY NOTICE THAT YOU ALL WAS PUTTING IT ON THERE. 

This is really stopping me from securing a home loan for me and my family. 

Respectfully, 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 2021-07-13
Company: WELLS FARGO & COMPANY
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:
I have these accounts that are not mine and i want them to be remove from my credit. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft WELLS FARGO DEALER XXXX Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: NC
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:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2023-08-11
Company: Experian Information Solutions Inc.
State: GA
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2018-05-21
Company: EQUIFAX, INC.
State: DC
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 have contacted XXXX, Equifax, and XXXX several times via phone and certified mail on multipe occasions in regards to inquiries that I did not authorize or was not familiar with. It makes it look like I'm begging for credit, and that is not the case. I am trying to qualify for a home loan, and it makes it difficult when they're checking credit and I have inquiries from places that I didn't inquire credit from. I have disputed and reached out to bureaus several times and they say the same thing repeatedly. The companies either need to send proof of validation or it needs to be removed. The following inquiries that were not authorized are as follows : XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 
Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX Card, Account Name : XXXX Bank, Account Name : XXXX, Account Name : XXXX Data, Account Name : Capital XXXX, Account Name : XXXX DEPARTMENT OF EDUCATION, Account Name, 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 2019-04-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wellsfargo Bank Consumer Bankrupcy Team is failing to report to all 3 credit bureau XXXX XXXX XXXX XXXX when my credit card account number XXXX endinging in XXXX for the credit card amount XXXX was discharge in Chapter XXXX Bankrupcy by the United States Bankrupcy Courts on XX/XX/2019 when they received the notice of the order of the Discharge notice showing that the credit card account number XXXX was paid off in Chapter XXXX Bankrupcy and Discharge by the Bankrupcy Courts. 
And reporting it as late payment and close account when is suppose to be noted as Paid and Discharge in Chapter XXXX Bankrupcy by the United States Bankrupcy Courts when they sent them the order of the Chapter XXXX Discharge notice showing that this credit card account was discharge in Chapter XXXX Bankrupcy and was Discharge on XX/XX/2019

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 2019-07-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted to Experian two disputes involving XXXX XXXX. XXXX  XXXX Auto Finance is incorrectly reporting an account with Experian and I provided documentation and full credit reports to display the inaccuracies and request deletion. I also disputed a XXXX XXXX credit card that was incorrectly reporting late payments which I requested to be changed to paid as agreed. I also included payment verification from my bank proving I was on time. I pulled my credit report today after learning they completed their investigation. Experian says they did an investigation of my claims in both cases but they did not address any of the errors or delete and fix the accounts in question as I asked for. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. Thanks 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 2017-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
With reference to Bank of America 's letter no. XXXX I made 2 deposits of {$250.00} each from my retirement account within 90 days of opening the account. The letter clearly states that deposits made from a retirement account qualify for the promotion. Bank of America is contending that the deposit was not made from a retirement account. The bank is even refusing to accept some sort of proof from me showing the deposits are from a retirement account. The letter entitles me for {$100.00} bonus.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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