BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
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 information incorrect

Complaint:
I have disputed that XXXX/XXXX is inaccurately reporting this account 120 days late twice after the account was actually 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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 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 corrected : XXXX XXXX XXXX .... Balance : {$600.00} ; XXXX XXXX .... Balance : {$18000.00} ; XXXX XXXXXXXX .... Balance : {$6900.00} ; XXXX XXXXXXXX .... Balance : {$10000.00} ; XXXX XXXX .... 
Balance : {$5300.00}

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 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a vehicle on XX/XX/XXXX  and the dealer did not provide me with the required disclosures at the time of the transaction, and as a result, I was not aware of my right to rescind the contract within three days of signing. I have since learned that the dealer was required by law to provide me with the disclosures, and their failure to do so has extended my right to rescind the transaction. The total downpayment amount was {$5400.00} paid in cash with {$29000.00} being financed. I have since paid a total of {$6600.00} towards this contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: JPMORGAN CHASE & CO.
State: CO
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 rewards from credit card

Complaint:
**UDAAP ALERT** I've had the Chase United Mileage Plus Visa for a few years and this card has offered an annual mileage reward as well as other benefits and protections that have been eliminated or reduced without proper notification. My anniversary month is XX/XX/XXXX, so I just officially discovered that the annual reward and price and return protection are no longer provided and also they reduced trip cancellation and coverage. Everything on Chase 's site regarding the United MileagePlus Credit Card benefits sends us back to United. This seems unfair as the information was not provided in advance and there are significantly reduced changes in the rewards while the annual fee remains at {$95.00} annually. If the information was provided, it was not done so in a way that was clear to the average consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: CITIBANK, N.A.
State: WA
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:
This all happened from the past 4 weeks and is still going on. I am having a major problem with my Citi simplicity credit card and I have been through absolute XXXX with their customer service for hours and hours and days and days and I just can't take this anymore. I have made a lot of payments on my card to get rid of the cash advance fees but I have now had my card blocked because they said I have 2 returned check fees and a failed debit payment. When I looked on the statement I saw that they indeed received those payments from me with a confirmation number on the exact same days that they gave me those fees. The money has been taken from my bank account and they have put a hold on XXXX XXXX $ payments all while giving me those return check fees. After fighting with them for so long I finally started to make progress as they were going to remove those fees and put my money back on the card as well as I was promised by multiple people that since I went through all of this for no reason that they were going to give me XXXX dollars worth of credits because of how badly I was treated. This was all promised to me from managers. It has now been a week and they put XXXX on my card which I went to go use and they declined it and took it right back. I was so upset that I was promised all of this for everything they put me through and received nothing. In fact I did get a woman that thought she put me on hold and actually mocked me to her co workers in whiny voice completely making fun of me and are just playing games with me now and I have bad XXXX and XXXX problems as it is and this whole mess is making me sick. The funny thing is that yes I have to have consent from them to record the phone call but I do not have to have the consent when I am placed on hold for long periods of time. Well it just so happens that I didn't fact get the woman who placed me on hold mocking me when she thought she put me on hold and that is a serious problem and I am going to discuss this with my lawyer. Citi has really screwed me over and now I get mocked for wanting what is owed to me so please let me know if there is anymore of a blatant disrespect and disregard for a customer and a complete showing of defamation of character and I will be talking to my lawyer about the way I have been treated.

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 2019-08-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ( Original Creditor : 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 2018-04-29
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:
This complaint is in regards to an account reporting to the credit bureaus by XXXX XXXX. In review of my consumer report in XX/XX/XXXX, I requested validation of the account listed on my report for an amount of {$1800.00}. I sent a validation request on XX/XX/XXXX via certified mail and received receipt that it was received on XX/XX/XXXX. The information came back verified and accurate, but I was never supplied with the requested signed contract, breakdown of fees and billing totaling the referenced amount that I allegedly owe this company. I then sent another request to validate this debt with the above documentation including any communication and contracts with my signature, via certified mail in XX/XX/XXXX. I never received the signed receipt from the certified letter, although on XX/XX/XXXX, I received another response from the credit agencies that the information was verified and updated, with no documentation or validation of the information used to supposedly validate the debt in the amount of {$1800.00}. This is in clear violation of my rights under FCRA.

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 2021-01-25
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
COMMONWEALTH FINANCIAL is trying to collect a debt we were charged for 8 years ago on a trip to Florida. My daughter who was XXXX had to go to the hospital. We were charged by the hospital but also charged by the doctor who treated her. Our insurance would not pay twice for the same instance and of course, we refused to pay for being charged twice for the same instance. This company has taken this debt which two other previous debt collectors have tried to collect and we refused not only to pay the debt but also continue to tell them we know this is not a valid charge. 

This company has sent us letters asking us to pay {$400.00} to close the debt and of course, we refuse. This is a rip off and they know it, hence why it keeps getting pushed from one company to another. This is the ONLY company who put this on our credit report. Not even the Dr office would do this as they know it is NOT VALID. REMOVE IT NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Experian Information Solutions Inc.
State: SC
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:
Please remove these fraudulent accounts, I didn't open these, nor did I benefit in anyway from them. I'm not sure how these accounts were opened. I did receive mail at previous addresses but now I've prevented that. I also received notice from XXXX in 2017 that my information was exposed in the breach. I've mailed in letters before but didn't send them certified, so when I called Experian and XXXX  the reps who were from outside of the USA had no idea of what documents I was refereeing to. See attached.

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 2018-05-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm no longer a customer with Wells Fargo, as I was able to refinance with another lender but I wanted to file a complaint against the company on how they handled the situation. 

There was a short period where I fell behind on payments and Wells Fargo converted my traditional 30-year mortgage to a 50-year load modified mortgage where I was basically paying interest. After paying mortgage payments for 2+ years, I was noticing that my payments were not even impacting the principal. I felt like Wells Fargo placed me in a very unhealthy mortgage loan, and felt that I was scammed. I would like this to be reviewed in detail and see if what Wells Fargo did was unethical.

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 2019-03-03
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have this same problem with all Synchrony credit cards. They do not follow standard business practices when accessing payment amount due, late fees, etc. example. Purchased 800 item from XXXX XXXX   via Synchrony card. Terms are 36 months, no interest, payments {$23.00} a month. Purchased made right after XXXX XXXX. Made a {$200.00} payment XXXX XXXX. Did not show up. I thought payment did not go through. Paid again XXXX XXXX, XXXX another {$200.00}. Called and explained. They send back my {$200.00} in a check. Next statement shows the original purchase plus another {$200.00} purchase. Payment now due in XXXX. I paid XXXX?. Dollars. Next statement shows a payment due of XXXX on XX/XX/XXXX because of their error. Called once and was placed on hold twice and then hung up on. I am currently on second call with 20 minutes in and probably will eat no answer. Second time I spoke with XXXX operator number XXXX. Still on hold. 

Second Synchrony with XXXX. Can get refunds but payment due is still based on old incorrect amount. W late charge if you pay pay, ent. Asked on erroneous amount. They say they cant fix it.

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 2018-04-29
Company: U.S. BANCORP
State: MN
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:
I discovered through my credit report that there was a balance on my US Bank credit card of {$5300.00} and late payment reporting for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I did not make any purchases on my US Bank card and when I called to dispute the charges, I was told by that agent that I needed to speak with a particular person that was handling the account and I left that person a voicemail numerous times throughout the last couple months and haven't received a reply. 

Account Details Last Reported XX/XX/XXXX Creditor Name US BANK Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$5000.00} Term -- Monthly Payment {$190.00} Responsibility Individual Account. 
Balance {$5300.00} Highest Balance {$5300.00} Payment Status 120-149 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$620.00} Times 30/60/90 Days Late 1/1/1 Remarks Account closed by credit grantor 120 Days past due Payment History Latest Status : 120-149 Days Late XX/XX/XXXX 60 90 XX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK 30 XX/XX/XXXX U U U U U U U U U OK OK OK XX/XX/XXXX U U U U U U U U U U U U XX/XX/XXXX U U U U U J F M A M J XXXX XXXX XXXX XXXX XXXX XXXX 60 60-89 Days Late 90 90-119 Days Late 30 30-59 Days Late U Unknown Credit Utilization*106.66 %

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 2021-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XXXX XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2023-02-07
Company: Checkr, Inc
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am an XXXX Driver. I recently moved to another state and requested that XXXX change my location which they did. I submitted all my documentation and they ran a background check using a third party provider which is CheckR. 
They informed me that I was ineligible XXXX XXXX because of either a pending XXXX XXXX or XXXX. I reached out to both XXXX and Checkr numerous times notifying them that the information was incorrect. I have never been charged or arrested for anything. I requested a detailed copy of the report from Checkr as I know I am entitled to see what is on it. Checkr is sending me only a brief summary of the report and not giving me the full report listing the charges making it impossible to dispute the information on the report. I did speak to attorney who told me to get the full report from Checkr so that we can dispute the incorrect information they are reporting. 

Please see the supporting documents that I have attached. You can contact me through, phone, text or email with any questions. 

Thank you for your help and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Security Credit Services, LLC
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 information incorrect

Complaint:
No contract with company. They refuse to send out proof of this matter. When I ask about this account I get a ride response. I do not know about this company they say they are a third party that brought account. I never signed anything with them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Nelnet, Inc.
State: LA
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:
Im a 100 % 22 years XXXX military and my student loans have been paid in full and they have me with 18 plus late payments and inaccurate information when I never was late because the military always paid my stuff and now Im out the military I can not get my proof I need. I last contacted them on XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. NONE OF THE DISPUTED ITEMS WAS AUTHORIZED BY ME AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2019-03-27
Company: ERC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid in full total payment received {$140.00} on XX/XX/2019 Creditor XXXX XXXX XXXX XXXX. Collection agency ERC collected {$140.00} Plus theyre over the phone fee of {$1.00} Totaling {$140.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
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:
Experian and XXXX Credit Reporting Agencies are allowing two debt collectors to publish information on my credit report in violation of the Fair Debt Collection Practice Act. According to that " Act '' debt collectors are required to contact me first regarding a debt and allow me 30 days to submit a written request for validation of the debt. Both Experian and XXXX are publishing information on my credit report regarding a collection account owed to XXXX XXXX # XXXX in the amount of {$3100.00} ; however, I am not familiar with XXXX XXXX and I never received any notice of debt from the company before it was published on my credit report. I was denied my important rights under Federal and State law. I contacted both agencies to let them know that XXXX XXXX violated the law and denied me my rights under federal law but no action was taken. 

Experian and XXXX further violated my rights by placing a second collection account on my report that was placed by XXXX XXXX XXXX. This company did send me a notice of debt about 6 months ago and within 30 days I submitted a request for validation of debt, in which I informed the agency that I have never enjoyed a XXXX account. XXXX did not contact me further, but recently in violation of Federal Law, XXXX placed a collection action on my account causing my credit score to drop.

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