BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
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: Information belongs to someone else

Complaint:
Im a victim of identity theft and I have given notice to Experian, XXXX, and XXXX about the fraudulent credit card account from XXXX XXXX XXXX. XXXX  and XXXX are in compliance but Experian has stated they can not block or remove this fraudulent account. I have given Experian my Identity Theft Complaint, Police report, and US Postal Inspector about the stolen mail and identity theft.

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 2019-12-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account reporting from XXXX XXXX is not my acount. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Information pertaining to student loan accounts ending in XXXX are to be excluded from my consumer report. 

15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 

15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit ( XXXX XXXX ) directly or indirectly by the issuer of a credit card. 

XXXX whom is the XXXX XXXX XXXX had disclosed the account balances as well.

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 2017-04-19
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Other

Complaint:
The law firm of  XXXX ,  XXXX ,  XXXX ,  (  "  XXXX  '' ) contacted me about a credit card that I was behind on from Chase Bank.  XXXX  made numerous phone calls, and sent letters that implied came from an attorney at  XXXX . I just could n't pay anything.     After a while,  XXXX  then starting calling and sending letters, saying that the account has been acquired by a third-party debt buyer  XXXX   XXXX . The calls and letters implied that it was coming from the same set of attorneys that had represented Chase Bank. I still could n't pay anything. However, I noticed that the new client of  XXXX -   XXXX   XXXX  , was not licensed nor regathered to do business in  Indiana  . This was a violation of at least Indiana law, and may also be a violation of the FDCPA.     I wrote to  XXXX , and told them that they were in violation of law. I told them that I had talked to Indiana attorneys, who told me that   XXXX   XXXX   was in fact violating Indiana law, and had no legal standing, etc.  XXXX  failed to respond, so I called them. I left several messages, and sent Certified Letters, which I can provide to the CFPB. I finally got to speak to the so-called  Compliance Officer, wh o said that the " boss '' was on vacation, and would get back to me.     Its been a few years, and the Compliance person I guess is still on vacation. But,  XXXX  has quit calling and has n't sent any letters.     I also discovered other lawsuits that  XXXX  has filed in Indiana, for other debt buyers and other financial groups that are also not licensed nor registered to do business in Indiana. In talking with some Indiana attorneys, it is a requirement that an attorney first check to make sure that a corporate client has legal standing prior to trying to collect on a debt for the client.     I have been told that unlawful attempts to collect on debts for unlicensed and unregistered clients is a violation of Title  5 of the Federal Trade commission Act, in what is known as UDAAPs, or Unfair and Deceptive Business Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Security Credit Services, LLC
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: Account status incorrect

Complaint:
Security Credit Services XXXX XXXX XXXX XXXX MD XXXX On XX/XX/2021, Security Credit Services added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$370.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Viewed my credit report and notice that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and these accounts are fraudulent and does not belong to me. This process of trying to get my life back on track is becoming overwhelming due to these negative remarks thats on my credit report. These discrepencies that are on my credit report are holding me back from moving forward so I am asking that this problem be resolved 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 2023-04-09
Company: Experian Information Solutions Inc.
State: IL
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 inquiries on my report that i noticed i didn't make and reached out to creditor to dispute inquiries .i will like assistance in removing fraudulent inquiries and i have a fraudulent account on my report i have included police report and affidavit as well as proof of identity.

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 2021-12-11
Company: EASTERN BANKSHARES INC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened an IRA with Eastern Bank several years ago. The fees were not disclosed when I opened the account. I recently attempted to rollover the account to XXXX. XXXX send out two letters requesting the transfer and sent me a copy of one which was dated XX/XX/21. When I called XXXX to see if the money had been transferred, they reported that it had not. I brought the letter from XXXX to Eastern Bank on XX/XX/21. The representative there said she had no knowledge of the transfer request.

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 2019-12-16
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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENTS REPORT ON XX/XX/2019 ON MY XXXX. I'VE FALLEN BEHIND BECAUSE OF A PERSONAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT THAT'S LISTED.

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 2017-04-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This complaint is further evidence tha t Navient : 1. cre ated obstacles to repayment by providing bad information ( account number change without notification  2. processed payments incorrectly and deceptively NOT on our account 3.  failed to act when we, the borrower, complained Our daughter had a student loan with  Navient.  The original loan was with  XXXX   XXXX , then  XXXX , who turned it over to Navient in  XXXX . We, the parents, were paying the loan dutifully every month. There were no problems until  XXXX  of  XXXX , when Navient notified us of no payment for  XXXX , due  XXXX   XXXX . We researched and found a payment made and cashed by  Navient  on  XXXX / XXXX / XXXX . We called them, and they said that they had no record of this payment. We were instructed to FAX them the proof from our bank, the  XXXX   XXXX   XXXX , so we did on  XXXX   XXXX ,  XXXX .   Then on  XXXX   XXXX ,  XXXX , we discovered the same phenomenon for the  XXXX / XXXX / XXXX  payment, and we were assessed a late fee. We called again. Same story from Navient - no record of any payments since  XXXX . We asked if they had received our  XXXX   XXXX  FAX, and they had but when the agent viewed it, she said that it was unreadable. First I knew of that. So, I resent. By this time, we were very angry as no agent was displaying any helpful attitude. Then I discovered something : the loan number in  Bill Pay at my bank and the loan number on Navient 's paperwork were different. Navient 's began with a  XXXX , and Bill Pay began with a  XXXX . I  explained to the agent, and she said that they never had loan numbers beginning with a  XXXX .   At this point, I called my bank,  XXXX , to ask them for help. By this time, I had spend  six ( 6 )  hours in phone calls ( mostly on hold ) with Navient, spoke with managers there and was basically stonewalled by them. They had my money and were asking for more. The agent at  XXXX  arranged fo r three conference calls, each one for nearly 1 hour to coerce Navient  into agreeing that they had the money. Thanks to the  XXXX   XXXX   XXXX , they could track details and confirmation numbers of receipt.   Also, when we tracked back on the loan number, Navient 's old paperwork to us changed the loan number in  XXXX   XXXX  but without specific notice as such at that time. So, in  Bill Pay for us to Navient, we were always sending to the old loan number beginning with a  XXXX  and Navient  was successfully receiving and debiting our account up until  XXXX   XXXX .   We have now hopefully paid off the loan successfully in total - we only had  one more month on the loan. We would never recommend using Navient  for anything. We are glad to be rid of this horrible company!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Sunday XX/XX/XXXX Wells Fargo bank notified me of suspicious transactions on my account. I called the bank I told them it was not me making the transactions. I asked them to put a hold on my accounts. On XX/XX/XXXX someone impersonating me called Wells Fargo bank and gained access. They were able to change my contact information and also change online account access. They also made numerous high value purchases. They also gained access to all my accounts with the bank and they started transferring money between the accounts. I went to the bank and got them to freeze the account and was told by the banker none of my accounts were frozen. I placed a security code on the account and also asked the bank that if any changes that need to be done a persons needs to come to the branch to do it. The person called again and was able to change all the account information and also reported that I was not the owner even though I went into the bank. I went to the bank again to fix all the account information. I was notified that the person fixed an appointment with the bank to come in person to make changes to the account. I asked the bank if they could do anything to prevent this fraud from repeating so many times and they said they can not call the police on the person. We called the local authorities and seems like no one can do anything. For the past week the person with impunity is going to stores in my neighborhood and online making transactions but no one seems to care on arresting them. It is sad that the bank can not fix this fraud and does not care hence the person has the ability to continue doing the fraud for the past week.

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 2021-12-11
Company: Commonwealth Financial Systems, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Commonwealth Financial System on XX/XX/2021 charging me the amount of {$760.00} and stating that the original creditor was XXXX XXXX XXXX XXXX and that current creditor is XXXX XXXX XXXX. I also saw the collection in my credit report from XXXX. I called the collection company because they are using my Social Security but addressed using my Mothers name. We are XXXX and have the same name and last name. When I called, they gave me my mothers date of birth, and I explained that was not me. They said they would call and report the mistake to the credit bureau. My mother also called and reported she had never been at that XXXX place nor have that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: MD
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:
In Accordance with the fair credit Reporting act XXXX XXXX credit union. 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 account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX I, XXXX {$10000.00} XX/XX/2018 I have disputed this account on several occasions, I have asked please not to show it in my credit report and it has disappeared but it reappears and I am concerned because I have not authorized it to be displayed

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 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried multiple times to dispute negative items on my credit report these items are not mines and have not been given reason why they are on my report I have done some reading and seen it a item can not be verified within thirty days it has to be remove it has been more then thirty days and I have not received any thing from the bureaus this is very frustrating because I am trying purchase a house

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 2021-12-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried multiple times to dispute negative items on my credit report these items are not mines and have not been given reason why they are on my report I have done some reading and seen it a item can not be verified within thirty days it has to be remove it has been more then thirty days and I have not received any thing from the bureaus this is very frustrating because I am trying purchase a house

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 2022-08-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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 have spoken to multiple parties at 5/3rd regarding this and they have advised they have no way of disputing the unauthorized charge that has posted to my 5/3rd credit card account ending in XXXX. The charge relates to overdraft protection, a feature that is not referenced in the original terms associated with the account, and rather 5/3rd reports they added this to my checking account ending in XXXX at some point in time, though they can't tell me when this was added. They suggest I authorized the addition of this feature to my account however, they are unable to provide any evidence of this and suggested that I would have received a phone call requesting this authorization, a phone call they do not have a recording of. 

I never agreed to, nor did I authorize the bank to add this to my checking account, nor did I authorize them to bill my credit card without my authorization. 

I called to dispute this authorized charge which I did not make, however, 5/3rd advised that they do not have the ability to dispute their own charges. The representative I spoke with advised me that he would need to transfer me to the checking departments disputes team, however, when I spoke with the representative he transferred me to she wasn't able to offer any assistance other than confirming that I did not authorize the charge to my credit card and that 5/3rd did not have any authorization on file to add the overdraft protection to my checking account or to use my credit card as the source of funds. 

This is a charge that I did not make, nor did I authorize. 5/3rd can not hold me accountable for unauthorized charges to third parties, nor can it levy unauthorized charges to my credit card and attempt to hold me accountable for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account reporting from XXXX XXXX is not my acount. Account number 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 2023-02-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My online account was hacked and a debit card was sent to an unauthorized individual, who in turn used the card to withdraw {$5000.00} from my business checking account. I disputed the transactions with the bank and instead of resolving the issue they just locked my account and closed it.

Company response to consumer: Closed with explanation