BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my 10th complaint that I am filing against EXPERIAN. There were six [ 6 ] deleted inquiries from my EXPERIAN credit report after my disputes and now EXPERIAN is liable to compensate me with monetary remedy. By deleting the inquiries off my report, EXPERIAN is admitting that their practices are in fact abusive and deceptive. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, EXPERIAN deleted the inquires after I disputed. 

Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
-The term consumer means an individual. 
-The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Pursuant to 15 U.S. Code 1681o, EXPERIAN is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. 

I have been going at this case for over 100 days now and I will not stop until I get compensated as EXPERIAN is liable by law to pay my invoice.

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 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a second request as I have not received anything. But these creditors are 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 2022-08-10
Company: Source Receivables Management LLC
State: PA
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 to Source Receivables Management to provide proof of the collection bill they sent me for {$1200.00} with an itemized breakdown of how they came to this amount, and they failed to do so. This bill is negatively affecting and my life and credit, and it needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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 XXXX, I believe on behalf of XXXX Mortgage, made a hard credit inquiry on my account without authorization on XX/XX/2018. 
XXXX Mortgage currently holds the mortgage on my house, the mortgage was XXXX in bankruptcy. The bank was involved in a short sale process at the time the inquiry was made. I am not seeking credit from XXXX XXXX XXXX, XXXX XXXX XXXX, or any other mortgage company. In fact, I had not applied for any credit from any company. 
I spoke with the credit reporting bureaus after finding this inquiry had been made, and they told me I had to go back to the company that made the inquiry to get it removed. I contacted XXXX, requesting that the hard inquiry be removed, as it should not have been made, and was not authorized. However, I have not received further communication regarding this issue, and the inquiry has not been removed. 
Thank you for your assistance. 


XXXX XXXX XXXX  XXXX XXXX XXXX, NJ 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 2020-05-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a second request as I have not received anything. But these creditors are 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 2020-05-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I booked an XXXX for XXXX. I agreed to make two payments on my Chase card, one on XX/XX/2020 and one on XX/XX/2020 ( a few weeks before check in ). On XX/XX/XXXX my card was charged XXXX. On XX/XX/XXXX, I got a notification that there was a price drop so I would be getting the difference of XXXX dollars. Instead of processing a refund, XXXX charged me XXXX dollars on XX/XX/2020. Months before I was supposed to be charged. XXXX is claiming they arent sure what happened. I think this is very convenient considering the fact that they just laid off 30 % of their workforce and are clearly strapped for cash. I did not offer to give XXXX an interest free loan but they are not processing any sort of refund on the fraudulent charge. Clearly this is a system error that they refuse to acknowledge! Please help. I have all the receipts and documentation you need!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Nelnet, 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: Information belongs to someone else

Complaint:
In XX/XX/XXXX I received student loan forgiveness through a program, this account was opened in XXXX, it was a XXXX XXXX XXXX at XXXX XXXX XXXX. It was with XXXX  & was broken down into 4 accounts 1 ) {$3500.00} 2 ) {$1800.00} 3 ) {$2500.00} 4 ) {$6000.00}. These were taken off of all my credit reports after my final loan forgiveness payment. Somehow the same month a new student loan was added to my XXXX & XXXX ACCOUNT with I have no knowledge of. XX/XX/XXXX an account with the US DEPT OF ED/NEL NET was opened which I have no knowledge of. I was currently working during this time of my life and I definetly was not in school. Ive called this company numerous time to get this taken care of and disputed and have not gotten any where. a representative couldnt even tell me what school the loan was for. This loan is broken down into 2 account 1 ) {$10000.00} 2 ) {$5900.00}. The weird thing is it keeps updating saying im making payments on this account and I have no idea what this is. I would like this taken care of and removed from my account because it is hurting my credit. All I can think of is that this is a case of identity theft somehow. A representative once told me it looks like they removed my XXXX  accounts and then reposted them as us dept of ed ones. Im not sure whats going on but I did not attend any school whatsoever in XXXX. I was working at a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I paid in agreement with the settlement with XXXX XXXX and Capital One on XX/XX/XXXX. The reps that I spoke to and paid agreed to update my account as paid in full. I need this done asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My identity was stolen in the middle of XX/XX/XXXX, I changed all my banking to capital one 360. My first direct deposit went in onXX/XX/XXXX, the morning I checked my account and everything was frozen, could n't spend or withdraw, transfer funds. Nothing. I was on the phone all day trying to settle the matter, without any resolve. The final person said that I should know the reasons why they were choosing to end the banking relationship. And that they were sending me a paper check and I should be glad of that and hung up on me. I have yet to receive my check for XXXX from them. And now they flag me and send me immediately to an answering machine that nev3r returns my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I had prepaid {$800.00} for a class and was not able to attend. Prior to the class starting I requested a refund and it was granted without penalties or fees.On XX/XX/XXXX I was charged {$400.00} for a room at a XXXX XXXX. I disputed the charge for one night and was given a credit for the full amount and a letter that interest would not be applied.On XX/XX/XXXX I paid a food bill for {$1400.00}. The amount that was on my statement was {$1900.00}. I disputed the charge and received a letter from Chase Card Services that the food company had added a tip of {$200.00} without my permission. Chase Card Services on XX/XX/XXXX granted me a credit for the {$200.00} and said there would be no interest of fees charged. 
Chase is sending demand letters for interest that started at {$33.00} and have now escalated to {$62.00} and climbing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. 
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 explanation
Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I reviewed my Experian credit report and compared it with XXXX  and XXXX. I noticed that Experian was not reporting my XXXX XXXX Credit Card beginning with # XXXX. On XX/XX/2021, I called and spoke with XXXX at Experian who confirmed that this account was deleted in response to my dispute Report Number XXXX. I explained to XXXX that I opened the dispute due to inaccurate credit amount showing on my credit report. XXXX stated that the account was deleted rather than the CREDIT AMOUNT increasing. XXXX hung up on me. I called again and spoke to XXXX of Experian. He confirmed that the account was deleted rather than the Credit Amount increased to {$2000.00} from {$1000.00}. XXXX advised that XXXX XXXX told them to remove the account from my file. XXXX stated that they can't do nothing about. Experian disputed this matter incorrectly as evidenced by XXXX  and XXXX  are reporting my XXXX XXXX Credit Card accurately.

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 2018-02-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I signed up for a new checking account offer - Deposit {$25.00} to open the account then set up direct deposits of $ XXXX/month for three months. After three months of funding according to those terms, {$200.00} will get deposited into the account.

In the third month, after the first {$750.00} direct deposit went in but before the next {$750.00} direct deposit that would qualify for the bonus went in they closed the account without notice or reason. I called a local branch and they directed me to the 800 number because they couldn't see any reason as to why the account was closed.

After speaking with the 800 number rep, they said the account was closed due to no activity. However, I had {$750.00} deposits twice a month and {$750.00} withdrawals twice a month. Why the hard close? Why not a soft notice of " you're approaching our zero activity closure policy, please use your account more before xx/xx/xxxx date ''? 

This puts me in a frustrating spot because my company 's payroll has already been processed and now the {$750.00} will reject deposit if the account isn't opened. Beyond that it's bad will - the terms and conditions of the deal itself, not full on checking account terms and conditions, mentioned nothing about minimum activity or balances within the account.

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 2019-02-07
Company: CU MORTGAGE SERVICES INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
CHANGING MONTHLY MORTGAGE PAYMENT AMOUNTS?. WHY ESCROW ACCOUNT MONTHLY AMOUNT CHANGED AND OR WENT UP IN MONTHLY AMOUNT DUE?. WHY MONTHLY MORTGAGE PAYMENT " DID-NOT '' GO DOWN, BECAUSE : HOME-OWNERS-INSURANCE COSTS / MONTHLY WERE REDUCED BY AT LEAST 50 %?. UNABLE TO REFINANCE HOME BECAUSE OF " XXXX '' REPORTING AND OR NOT REPORTING CORRECT PAYMENT HISTORY?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am reading my payment statement and it looks like I am making bi-weekly payments, but the first payment is held somewhere and it is not being applied to the mortgage payment until the second payment is collected. If i am reading my statement correctly, Payment 1 is taken from my savings/checking account and held somewhere ( that i do not have access to ). No interest is paid on that money, but interest continues to accrue on the mortgage. Then 2 weeks later, payment 2 is made, and then - and only then- both payments are applied to the mortgage. 
This is an insane arrangement that no one in their right mind would think is OK. the money from the first payment is out of my control, presumably put in another account, and not applied to the mortgage? I receive no benefit, but do receive the downsides of not paying the mortgage, continuing to accumulate interest on the mortgage, not getting interest on the money in my account, and running the risk of overdraft fees. 
I have also made supplemental payments that are marked for 'interest only. ' Are these payments also held in this account that i have no idea about until the end of the month, or are they properly applied to the mortgage when I make them?

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 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
So as I looked over my CF dated XX/XX/XXXX I saw an account XXXX XXXX  that reported a delinquency date of XX/XX/XXXX I called Transunion pointing this decrepency out and they continue to tell me that this is not correct but it clearly came from them. File number XXXX and by law this account has exceed the 7 year mark and should be deleted

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 2019-02-07
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Loan was going fine until i changed jobs, which changed my payday. And bounced right after that, contacted and gave them the new info, date was never changed, cost me more in overdraft fees. Contacted many times never changed it, then because i was behind they just started debit my account with out my permission and not on any agreed day, this hurt, more overdraft charges, i aked them to remove me from the auto pay on XX/XX/XXXX, they did not, more overdraft charges, then they hit my account on their own for XXXX bucks 2 days in a row. nearly lost my apartment and car due to that little mess. eventually they did remove me from the ach pay and stopped debiting my card, saddly the damage was done. now they are taking me to court. Also i had tried to reproduce their billing, and never could get there numbers to add up, so i had a few others much smarter than i check it, and they stated that the numbers didnt add up and something was very fishy about the interest i was paying ... i believe this is true

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Selene Finance LP
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is currently serviced by Selene Finance. The prior servicing was handled by XXXX XXXX. This mortgage debt was discharged in a Chapter XXXX Bankruptcy on XXXX XXXX Case # XXXX. Since the discharge date, Selene has promised to re-stablish a new mortgage note, but has never followed through. Selene has collected funds and continues to make demands to post bankruptcy payments. Since the debt was discharged, numerous demands have been sent via mail in attempt to collect on the discharged debt. I have received repeated phone calls from representatives making demand for payment as well. Per section 524 ( b ), 524 ( c ) and 524 ( f ), it clearly state that the creditor must be free of influence or inducement in any post-petition communication. Selene Finance has also violated the Federal Bankruptcy code by proposing repayment on the discharged debt.

[ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX NC, XXXX Division. 

Furthermore, interest has been charged on the now discharged debt. As you are aware collecting money on a discharged mortgage debt is a violation of the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105 of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction. 

[ 1 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. # XXXX ( XXXX. XXXX  NY XXXX ). 

[ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX. # XXXX ( XXXX. XXXX Ohio XXXX ). 

The mortgage note produced by Selene to prove up the validity of the debt and right to foreclose is fraudulent as well ( exhibit A ). The note is signed by XXXX XXXX at the address XXXX XXXX XXXX, XXXX, IL XXXX. The mortgage note was funded by XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX was shut down by the FBI on XXXX, its majority owner was convicted on 14 counts of securities, bank and wire fraud. Overall, Selene has not proven up standing of ownership and the rights to foreclose. They have pursued foreclosure action and have implemented a foreclosure sale date of XXXX in the past. 

The accounting records that have been provided by Selene are incomplete as well, since the entire payment history is missing from XXXX to XXXX ( exhibit B ). Furthermore, since the mortgage note is missing, the derivative figures that compile the accounting records cant be determined.

Selene has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5.

Selene is in clear violation of Federal Bankruptcy Code, RESPA law and IN Code 32-30-10.5. I am  seeking a full refund of all funds paid post Chapter XXXX BK. Overall, I feel deceived by Selene on a number of counts and I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting incorrectly multiple late payments in XXXX and a new late payment on XX/XX/XXXX on my XXXX XXXX XXXX account. I have spoken to XXXX XXXX rep and was told I had no late payments in XXXX and no recent late payment XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation