BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$230.00}.

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 explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX of XXXX, XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: General Motors Financial Company, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2022 GM Financial received a request to validate the alleged debt pursuant to federal law. My vehicle was also repossessed. As a federally protected consumer my rights has been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I transferred a balance to Chase Bank Freedom Card at 0 % interest rate if paid off by XX/XX/XXXX. I made payments on that amount so as to pay off balance by XX/XX/XXXX. However, later I transferred another balance at 2.99 % interest rate. The payment terms said they would pay off the lowest interest rate first then the highest rate. I always made more than minimum payment on those two amounts. However Chase is only applying the payment to the 2.99 % interest amount and nothing to the 0 % interest amount. This causes me to not be able to pay off the 0 % amount by the due date of XX/XX/XXXX whereby that interest rate will then go from 0 % to the current rate of 26 %. That rate may cover the entire time I'v had that offered rate. I believe this is FRAUD on their part. I have talked to them several times to no avail. That is their policy they say. 
I want to be able to pay off my 0 % amount by XX/XX/XXXX however since they will not put payment money against that amount, that is impossible. In order to pay off the entire amount by making another payment, I would owe {$7600.00}. by XX/XX/XXXX. I don't have the money to do that. 
I want them to transfer previous paid amounts from the 2.99 % amount to pay off the 0 % amount, or extend the 0 % interest rate to coincide with the 2.99 % rate expiration date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was a transaction that was debited from my checking account on XX/XX/23 in the amount of {$85.00} by " XXXX '' and it should not have been. I disputed this charge with USAA and they gave my provisional credit. They asked for me to send info and I did but they claimed they never received it. On XX/XX/23 USAA reversed this charge with no further evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Better Mortgage, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Better mortgage has failed to issue a closing disclosure 3 days before the closing date, despite having all documents in hand well in advance. 

Attempts to reach the agent and his team via and phone were completely ignored. An assistant scheduled a callback at XXXX PT on XX/XX/2021 which XXXX XXXX did not call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX / XXXX / {$450.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2018-08-08
Company: Experian Information Solutions Inc.
State: LA
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:
During a prior dispute, XXXX removed all of the following accounts because of false misrepresentations while XXXX has deleted one and is in the process of removing the remaining two accounts. However, Experian has decided not to remove any of the following accounts although both agencies were submitted the exact same information regarding the XXXX XXXX accounts. 

For whatever reason, Experian can not find reasonable cause to remove the other two account when they have all the required information to do just that, remove the incorrectly reported accounts. 

XXXX XXXX Accounts in Dispute : XXXX - {$1300.00} ( Deleted by XXXX  ) ( Pending XXXX deletion ) XXXX - {$280.00} ( Deleted by XXXX ) ; ( Pending XXXX  deletion ) XXXX  - {$390.00} ( Deleted by XXXX ) ; ( Deleted by 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 2023-07-19
Company: Experian Information Solutions Inc.
State: NE
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:
My experian credit report is showing that there was a missed payment on my federal student loan 11 times in 2017. My federal student loans were consolidated and transferred to a new servicer at that time, automatically, not at my request and there was never a payment missed.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my current credit report from your bureau, I came across the disputed account, and I don't think they are 100 % correct. Would you please UPDATE this ACCOUNT from my credit 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 explanation
Consumer complaint received 2020-01-08
Company: Credit Bureau Data, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, My issue is with my former landlord " XXXX XXXX XXXX '' in Wisconsin XXXX. At the end of XX/XX/2019 my lease was over so I moved out. Before moving out I made sure that everything required by them before you move out is taken care of. I spent two days cleaning the apartment in which I lived for XXXX years. At the moment of turning in, the apartment was clean, the only issues being normal wear and tear. More then a month after moving out I was sent a cleaning bill for over XXXX $ on top of my deposit which was the equivalent of the rent ( XXXX $ I believe ) plus the pet deposit ( I don't remember the exact amount ). So they charged me around XXXX $ by not giving me my deposit back plus they are asking for another XXXX some . I looked into the cleaning company they hired and it was a year old company, a family business which doesn't have a business phone number. So I called and asked for proof and they sent me some pictures that don't show anything, just some bad pictures of what could be anything. Those pictures don't show what apartment they were taken in ( they all look the same ) and we were specifically told by the landloard not to move any appliances ( fridge, stove etc ) to try and clean behind them because they will but they included pictures of those areas in the ones they sent ( all pictures are attached ). They even went as far as sending us pictures of a dirty stove that wasn't even ours ( pics attached ). I tried disputing the charge based on those photos and they said they will go to court which never happened and then I find myself listed for collections. I'm sure this is normal practice with this management company and they're trying to rip people off by doing schemes like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
A bankruptcy is inaccurately being reported on the credit profile for which my social security number is attached to. There are discrepancies regarding matching my information with that on the bankruptcy listed. I need this company to do a thorough investigation which includes showing proof of any signatures by me validating this bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
" Comenity XXXX '' online bank provides high yield saving account ( HYSA ) service. 

On XX/XX/XXXX, I opened a HYSA account, and transferred some fund from my XXXX XXXX checking account. 

On XX/XX/XXXX, I transferred another sum of money from my " XXXX XXXX '' online saving account into this HYSA account in Comenity. 

On XXXX, I purchased 6 I-bonds from TreasuryDirect.gov. 

On XX/XX/XXXX, 4 out of 6 above transactions were denied by Comenity. Then, my HYSA was locked by the Comenit XXXX online bank. Then, I called the BANK customer service many times about those issues : account locked, as well as transactions denied. The customer service agents did not solve any issues for me, just told me they could not do anything. 

On XX/XX/XXXX, a Product Support of the bank, named " XXXX '' sent me a message to my online banking account, as follows : " % % % % % % % % % % % % A review of your account revealed potential security concerns and/or irregular activity. The use of your account has been temporarily suspended pending the completion of our investigation. In order for us to consider removing the suspension from your account, please send us the following documentation within 14 days of the date of this letter. Please send us photocopies of three documents : 1. A government issued ID. You can choose Either your driver 's license ( front and back ) or your state-issued identification ( front and back ) or your passport ( photo page ) or your military identification ( front and back ) And ; 2. Your Social Security card ( front and back ) And ; 3. The most recent ( within 30 days ) bank statement showing ownership of the funding account. The following information must be visible : 1. Full name & address 2. At least the last 4 digits of the account number Please send this information to : Comenity XXXX XXXX XXXX  XXXX XXXX, MO XXXX % % % % % % % % % % % % % % " This message made me suspicious of this bank. Then I sought online reviews about Comenity BANK. Astonishingly, the reviews for Comenity Bank are very bad, as shown in ( XXXX XXXX XXXX  ). 

Many customers had bad experiences similar to me. The BANK just wants to hold money in the bank, not allowing customers to use or transfer money to somewhere else. I do not trust them to handle my identity information : copy of my driver license, and copy of my SSN card. My identities would be in danger should I give them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I only have and only use XXXX XXXX given FULL name which is : XXXX XXXX XXXX and no other derivatives

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 2023-07-19
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: Personal information incorrect

Complaint:
Hi, I have sent all the required documentation to Experian to reflect my current address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) but my report is still reflecting this incorrect address ( XXXX XXXX XXXX XXXX, CA XXXX ). This is not my address and I have sent in proof to reflect my actual address. PLEASE FIX THIS. I'm having inaccurate information reporting on my credit report which is causing me stress and angst. 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 2022-01-28
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My wife XXXX XXXX opened up a new American Express XXXX airline credit card. She received an offer to make a referral and get XXXX points. It said if your friend is approved they will receive XXXX XXXX XXXX and you will receive XXXX XXXX sky miles. My wife sent me a referral and I applied for the card as well. We plan to get back into traveling and wanted to have an airline card in addition to our XXXX American Express card. I was approved in XX/XX/2021. My wife also received the referral bonus miles in XXXX. I adhered to the required spend to get the XXXX miles but I have not received the miles. We have contacted American Express and they said I was not approved for the offer. I never received any correspondence indicating I would not receive the welcome offer bonus of XXXX miles or I would not have went forward with opening up the credit card. I have the email indicating I was approved and there was no communication regarding not being eligible for the welcome offer nor was there any further correspondence regarding this either. I have contacted American Express they opened up a case and indicated that has been escalated to management ( reference XXXX XXXX XXXXXXXX ) but it may take 30 days or more to resolve. I shouldve received these miles months ago and we were planning some upcoming travel and were hoping to use the miles. We are very loyal American Express customers with outstanding credit scores. this has been a very disappointing experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Source Receivables Management LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Source Receivables Management continues to update a previous debt that was already paid to the original debtor which was XXXX. I have not conducted any business with Source Receivables Management nor do I owe or have ever owed them any money. Source Receivables Management has the debt status " closed '' and it should not be on my credit report at all. Last update was on XX/XX/2020 this needs to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting actXX/XX/XXXX account XXXX, account # XXXX, has violated my rights. 

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

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

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 2023-07-19
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:
On XX/XX/, I disputed several items on my Experian credit report. On my letter, I requested that Experian, under the Fair Credit Reporting Act, properly investigate all the items I had listed, fix each and every one on every account or delete all the accounts that they will not correct. After several months, Experian has not done their job. Items WERE NOT FIXED and WERE NOT DELETED from my Experian credit Report. Experian is in violation of Federal Law under the Fair Credit Reporting Act.

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 2018-08-08
Company: Utah System of Higher Education
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Discovered that fraudulent student loans were taken out in my name due to identity theft. Filed identity theft report with FTC and notified all 3 credit-reporting agencies as well as XXXX. Got response from the credit reporting agencies, but XXXX will not acknowledge or provide requested information regarding the loans in question. Instead, they persist in sending demand letters and have requested that I apply for loan forgiveness without them acknowledging that the loans are fraudulent.

Company response to consumer: Closed with explanation