BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A review of my disputes indicates no ability to provide your own general statement. 
Add a statement According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on your credit report for as long as the item appears on your report and will display to any potential creditors or employers who receive your credit history. You may prefer to simply explain your specific circumstance when you apply for credit or employment.Here is their selection.

To add a statement, select a commonly-requested statement from the list below. You may also contact us by mail to add a statement written by you or submit your statement electronically at experian.com/upload.

Delinquency due to natural or declared disaster.

Delinquency due to extended unemployment.

Delinquency due to job layoff.

Delinquency due to divorce proceedings.

Bankruptcy due to medical bills.

I suffered bankruptcy due to business while I was self-employed.

Bankruptcy due to business failure.

Debtor has successfully completed a voluntary repayment plan of outstanding debts submitted by client and administered by XXXX XXXX XXXX XXXX of ... 
As example they allow a general statement to be made BUT only of their choosing! " Add a statement Opinion where is the consumers chice to add?

According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on self explanatory their selection or none!

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 2021-06-14
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
The following companies XXXX  and Experian continue to list a bankruptcy on my credit report. I have contacted both of these companies by phone fax and certified mail. I have contacted then in XXXX, XXXX, XXXX and now XXXX. I have contacted the US Bankruptcy court and they report they did not share this information or nor would they. Where dis this derogatory reports come from? I haven't been able to obtain employment due to this? I have been denied credit due to this. 

This information is incorrect and inaccurate and I would like it to be reinvestigated and removed. 

I also called both agencies this morning without any success. It's still being reported on my credit report as of this morning!

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 2017-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the evening of XXXX XXXX, XXXX between the hours of XXXX XXXX pm I accessed a Bank of America branch located at XXXX XXXX and XXXX in XXXX New York XXXX Prior to entering the branch I saw a man trying to access the three machines. I entered the branch and went to access the atm to the far left. He stated " That machine does n't work. '' Although I found his statement strange I used the atm to the far right. I withdrew {$20.00} from my account and proceeded to make a purchase at XXXX 's XXXX on XXXX XXXX. Several hours later at XXXX XXXX I received an email notification from Bank of America stating " your balance is below your chosen alert limit '' XXXX. Account : Personal Checking/Savings account-XXXX Date : XXXX XXXX, XXXX. '' There was a follow-up email at XXXX XXXX that stated " Debit/ATM card transaction occurred above your chosen limit amount Amount : {$400.00} Debit/ATM card : ending in -XXXX Where : at Bank of America-XXXX , NY Transaction type-ATM withdrawal When : on XXXX XXXX, XXXX. '' I immediately contacted BOA at XXXX XXXX to notify them that I did not withdraw {$400.00} from my account and began to file Claim Number XXXX. I informed them of all the above and they informed me they would investigate. I was also informed that during the investigation I did not have to worry and my account would be credited the {$400.00}. This morning I opened a letter stating that they determined that no error occurred in the instance. I followed up with a phone call and spoke with someone who identified herself as XXXX ( an account manager ) who informed me that the video footage shows the same person ( me ) who deducted the {$20.00} also withdrew the {$400.00}. This is inaccurate as I never withdrew {$400.00} from my account. During this process I was never informed that I should file a police report nor did I think I would be accused of withdrawing the money from my account. I do not believe they conducted a thorough investigation. I want to view the video footage and I want the {$400.00} returned to my 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 2021-06-14
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Can not access my Cash App ( XXXX XXXX ) account. My bank account that was connected to it was hacked ( XXXX ) and the hacker used Cash Apps name during the hacking. After seven to eight attempts to get cash app to assist me in getting into my account they have not given me any assistance. I have responded to their request for helpl and continue to do so till this day and continue to do so. The hacking occurred on XX/XX/XXXX or XXXX when i checked my account that morning. I had over {XXXX} in stocks, Bitcoins and cash in the account prior to this hacking. You can only communicate with them through email I have called lthelm and there is know way to talk to a live person. Each time I contact them through email they send the same reply from a different person response. My email is the same XXXX I have only used this email address since dealing with Cash App. they will not take the time to research that email to see if it is connected to my old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a high school checking account under my mom for three years I finally went to change to a college account. Once I got home I was not able to log in account I called the bank they advised me account was restricted call back another day. My high school account was closed and so was my college account for no reason representative told me they have no reason after they did Investigation on my account for a whole week to find out my account will remain closed and I can not bank with chase with no valid reason. I called executive office I was in contact with  XXXX case # XXXX representative name was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My card had been declined and I received a notification that it had and left it at that. The next thing I know when I check my account is that the declined transaction had actually gone through and I received an overdraft fee. 
Wells fargo said its up to their discretion, even though I've specified that I don't want any funds removed that will cause me to go negative. What they said they could do is do a partial reimbursement of the XXXX in fees, and the partial reimbursement was a total of XXXX. This call was made on XX/XX/XXXX The transaction for approximately XXXX was approved on XX/XX/XXXX as well as a transaction for approximately XXXX was approved on XX/XX/XXXX, and XXXX over draft fees were applied on XX/XX/XXXX, for a total of XXXX dollars. Then XXXX XXXX dollar transactions went through on XX/XX/XXXX and another XXXX overdraft fees were applied, also totaling XXXX all together.

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 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent an FTC Identity Theft Report Dispute to XXXX, XXXX & TransUnion requesting them to PHYSICALLY VERIFY & provide the " METHODS OF VERIFICATION '' for the disputed accounts via certified mail ( copy of letter & FTC ID Theft Report attached ) they were received by XXXX, XXXX & TransUnion on XX/XX/2021 & XX/XX/2021 respectively ( copies of Proof of Service attached ). As of today XX/XX/2021, I have received neither PROOF OF VERIFICATION, nor any METHODS OF VERIFICATION. These are violations of my rights under FCRA Section 611.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 ALL businesses by certified mail as well as all three credit bureaus pertaining to my issue. I have MANY hard inquiries on my accounts as result of my information being compromised and i had placed a security alert on my credit reports because of that, and even after doing so my credit was run over 20 times!!!!! I was never once notified or asked to give the identifying information required with the security alerts placed on my account, and now my credit is suffering immensely. Legal action is my next route if this does not get fixed in a timely manner, as it has already been way too long, and i have already addressed the issue will all companies involved and NOBODY has fixed their wrong doing. I was in chapter XXXX bankruptcy at the time FURTHER showing that the inquiries should not be on my account and again I was never notified or asked to confirm and allow my credit to be run!

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: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am sending this complaint because I still believe there are some errors on my credit. I would like CREDIT BUREAUS to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please evaluate the following items : XXXX XXXX XXXX XXXX**** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$93.00} XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Costumer pay me with a business check ( {$760.00} XX/XX/XXXX XXXX XXXX ) I deposit it by photo in the only bank I have. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX take out the {$760.00} by posting error I try to fix this with XXXX XXXX, XXXX XXXX XXXX, Wells Fargo and The Police Wells Fargo account # -- XXXX accept a ATM deposit and negociate it with XXXX XXXX XXXX. ( I never have an account in Wells Fargo ) So Wells Fargo accept to deposit a Business check in a personal account that dose n't fit the check 's name. ( does anybody can deposit a check without verification? )

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 2022-04-28
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I had a Sallie Mae loan in XXXX. I went to XXXX XXXX. For one Quarter and I was asked to leave. 
I than enlisted in the XXXX and went to XXXX XXXX in XXXX of XXXX and served until XXXX. I got out and c went to XXXX XXXX on my XXXX XXXXXXXX. From XXXX until the present. My loan shifted hands three times and is been Navient for some time. Ive had like five tax refunds given to pay them and yet my balance is like XXXX for one and XXXX for another. So XXXX. My tax refunds added up to more than that Plus I went there for like a quarter maybe 38 years ago. And as I was looking into buying a home they pop back up in like XXXX. At which maybe my balance was maybe XXXX for both. I dont even know to be honest its 38 years ago I thought they took there money from my tax returns. But when buying my house they got me to do income based. Probably in XXXX after my wife was killed they found me I do not believe I owe them. I believe Sallie Mae or other company got their money from my federal income tax refunds. Its XXXX and after my wife was killed I started to try and get credit and build my score. I did and than Covid took that work away and companys like Navient didnt help They scare or trick me into deferments but I dont even think I ever signed anything now Im working on fixing the mess from Covid and this is the first lender that I believe has already been repaid or the seven year debt has long past. So if you cant help me. Im a veteran of the United States XXXX XXXX. I served in XXXX XXXX went into XXXX and Im 50 % XXXX from XXXX. I just now returning to normal working hours since Covid. During which I worked 3 months XXXX months and just could pay anyone. So any bit of guidance wil be appreciated. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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:
*Bankrputcy statetment I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report

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 2021-12-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax does not follow federal, state or local law in my state of Pennsylvania. 
It says I have 5 hard inquiries on my equifax report when I wrote, emailed and called customer service that deals with this. They didn't do proper investigation because it is pretty easy. I had a credit freeze on my report for year 's and that stops all inquirerys to happen. So how could that do any investigation when my file was froze. That isprettty easy to pull all 5 hard pulls when it was froze.?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX XXXX. My date of birth is XXXX. I am currently Self Employed XXXX XXXX XXXX XXXX My current and only address XXXX XXXX XXXX, XXXX, OH XXXX the following addresses are not mine please delete them. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX made a Typo in my SSN number entry that led to incorrect SSN number update in Experian, XXXX  and XXXX  records. 

This further caused issue in my Federal Refund that is now delayed, IRS issued letter XXXX which requires me to verify my id on www.idverify.irs.gov that uses Experian for reference and the online ID verifications are failing. 

I suspected and then got the typo in my SSN corrected at XXXX XXXX XXXX on XX/XX/2021, and also raised individual dispute cases with XXXX, Experian & XXXX  , however my SSN data have still not been corrected. Experian 's dispute notification now incorrectly states 'The issue date of Social Security number that you gave us when you contacted us is not verified by the Social Security Administration ', while infact they did not ask me for this information during my phone call with them, and the documents that I have uploaded for them are scanned copies of my original SSN card, W2 and my license. 

I am now unsure if it is a XXXX problem or Experian, and they are making me go pillar to post without taking full accountability to correct my personal information in their records.

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 2021-12-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
So Ive been trying to open a bank account, most banks told me that they require a proof of address which was holding me back because I live with my parents. Us Bank told me that I didnt need one to open an account. That was until I opened an account and cashed my payroll check. I was told I would get XXXX $ of the check instantly, and the rest would clear in 5 days, they gave me a temporary card and I thought I was satisfied with my experience at us bank. That was until about 24 hours went by and they put a hold on my account, apparently I need a proof of address, that was never once disclosed to me in person. I was told after they had my money. So far no one at the us bank branch in XXXX has been able to help at all .theyre just holding my money hostage after lying to me. It obvious that this is a scam they run often because they wont send me anything about the hold on my account, they only tell me in person.

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 2017-09-28
Company: Blackwood Credit Service
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Paid XXXX XXXX XXXX ,XXXX was suppose to pay {$50.00} each month never received another meeting after the first upon making several request. Illegal use of XXXX wallet by Blaclwood Credit Service was advised by XXXX when attempting to get my money back. Requested refund from my bank wells fargo after submitting receipt, contract, and email communications they granted refund. XXXX XXXX and XXXX XXXX took me to court in XXXX XXXX for XXXX although the company 's violated Credit Repair Organization Act, Michigan Public Act 160 section 3, and Federal Trade Act Title 15 Chapter 41.

Company response to consumer: Closed with explanation