BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-24
Company: GREAT LAKES
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SECOND REQUEST : I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been a Chase account holder for XXXX plus years. I tried to use my chase on XX/XX/XXXX and XX/XX/XXXX it was declined. I looked on the phone I saw that I had money in my account so I don't understand. I called 3 times 2 times got hang up. Then I went to one of Chase Bank branch and spoke with a manager regarding my account. I was told that Chase has suspend my account due to so type of problem with a joint account with my 30 years XXXX  since she was in college. I Don't put money in her account or take out. They can see that. Nobody can tell me what happen. I was told that in 5 to 10 days I would get a letter and my funds. XX/XX/XXXX I have NOT received anything. I don't know what my XXXX  did but I know that I don't anything and I need my money. No one will tell me what is going with my funds over a month and so later. Can someone help please. This is not right with no communication. If this was me owe them the would not like this AND MAKE ME PAY LATE FEE. I have picture of what was in my account, don't have any negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Account status incorrect

Complaint:
I have tried for the last four months to dispute the inaccurate late payment on my credit report. XXXX XXXXXXXX acknowledges to me on the phone that they will remove late payment on account ending in XXXX. 
but when the credit reporting agency calls the say it was late yesterday XX/XX/XXXX I pushed until I received a letter from XXXX XXXX stating I had a XXXX balance on this above mentioned account when XXXX XXXX or Experian call XXXX XXXX holds the assesed missed payment of XXXX annual fee plus interest and late fees is accurate and when I call in the dismiss me and tell me they will handle and call back in 7-10 days I have phone records from XXXX to now showing numerous calls

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: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Mohela has been unresponsive to my questions about my account. They have also changed so-called " policies and procedures '' throughout my interaction with them over the past 5 months. I applied for public service loan forgiveness in XXXX of XXXX. I was told it could take up to 90 days. In XXXX, I received two notices. The first was an update showing that my certification had been updated. And the second stating they had. These were very confusing because although they were transmitted electronically they appeared to back dated and was challenging to piece together which notice was correct. Since then, I have been told there's no other paperwork I need to file and my account reveals the necessary number of qualifying payments. However, I have not been able to confirm whether Mohela has taken any next steps to contact the Department of Education so that my loans can be discharged. I have called multiple times and received no answers. Most recently I called on XX/XX/XXXX and spoke to XXXX who only spoke to me vague generalities about how the process works and would not answer my questions about my account. He promised to transfer me to a supervisor but after 30 minutes on hold they hung up and never called back as promised. Today, XX/XX/XXXX, I attempted to utilize the chat function where I spoke with XXXX. Again, she only spoke in vague generalities and when I continued to ask questions specific to my account she told me I could call to speak to a supervisor and then blocked me from continuing the chat. The other complication is that when I call and use the directory it suggests that there has been another document uploaded to my account in XXXX that I can not see online and that I did not personal submit. I don't know what else to do in order to get information relative to my own personal account. This is completely unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: SC
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:
Ive recently submitted disputes to all XXXX of the major credit agencies in hopes of cleaning up errors on my credit report. I own a XXXX company that I literally jumped in and grew with no help, just hard work and determination. Ive recently started having problems with getting better contracts and clearances because of the items being reported on my credit report. With the help of the internet Ive learned how to properly communicate with the credit agencies in order to get these items removed. Experian has notified me that they will no longer work on my disputes because they didnt think it was me writing the letters in spite of me including identifying items like my drivers license and mail with my current address. What is it about me that would make them assume that it was not me? Was it because my photo identifies me as an XXXX American man? Are they suspicious of me because of my hair or the way I look in my photo that Im not intelligent enough to fight for the rights the The Fair Credit Reporting Act gives me as a consumer? Considering they dont know me, what other reason can it be other than XXXX? Whatever the reason, I'm highly offended that by taking action to improve my credit report that they would try to hinder me in this way. The things they report about me are required to be done with great accuracy. Their reporting has a direct impact on how I pay my bills and feed my family. Not investigating my dispute after Ive notified them of errors is a direct violation of The Fair Credit Reporting Act. I have been researching and I know that this violation is a fineable offense and I am not above taking legal action next. Im filing this complaint to put on record as notice to this organization and others of their XXXX tactics designed to stop minorities from improving their credit.

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

Complaint:
I been going back in fourth with all 3 credit company, for years now how my info was stolen back in XXXX of XXXX. And multiple accounts and banks account was open from somone. And also I called to have my birthday change on XXXX they have my birthday set as XXXX witch I was born in 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 2019-10-24
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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: 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: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX HAS REPORTED PAST DUE PAYMENTS. PRIOR COMPLAINT HAS FAILED TO CORRECT SAME. 
AS A RESULT I AM ATTACHING PROOF OF ALL MY PAYMENTS SINCE REISTATEMENT.

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 2023-06-08
Company: Financial Business and Consumer Solutions.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, also known as XXXX XXXX, hired several collection agencies to collect a debt of {$740.00}. This debt shows a XXXX balance on their website as of XX/XX/23. I have written to the credit bureaus and filed a dispute. One of the collection agencies immediately removed the debt. A NEW collection agency has contacted me " FBCS , INC, ATTEMPTING TO COLLECT THE DEBT. This has affected my credit bureau score, reducing it from XXXX to XXXX! 
I would sincerely appreciate your assistance! 
XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: NY
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 leased a new car through XXXX  ( XXXX  financial ) and the dealer took the info to have the lease payments automatically debited from my account. I attempted to setup an online account and XXXX had an issue with the account and could not set it up for a number of months. Once they set up the account online, I saw the account was past due. I asked the dealer and they forgot to submit the required forms to remove the lease payments from my account. I remedied the account right away and brought it current. I called XXXX and explained to them how this late payment was their error due to the dealer negligence and their inability to open the online account in a timely manner. I also explained that I have multiple auto loans and mortgages through XXXX  and have never been late on a payment. I also let them know that they had my phone and email and never contacted me that the account had gone past due and the only reason I knew was checking once they approved the online account. Despite this, they refuse to remove the late payment from my credit report despite the fact that the error is clearly theirs and I had no way of knowing the account went late due to XXXX having an issue opening my online account access

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 2022-12-20
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up complaint, the first case # XXXX. On XX/XX/2022 specialized loan servicing replied to my complaint. As of XX/XX/2022 none of the reply was done 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 explanation
Consumer complaint received 2022-09-21
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: Account information incorrect

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX 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 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 2023-02-09
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: Was not notified of investigation status or results

Complaint:
Hi, I sent a letter last month, XX/XX/2023, to be exact, it's a dispute letter but It's been over XXXX  days already and I still haven't got any update in any form coming from your company and I am in a bit of a hurry right now. I am aware that the FCRA is requiring the CRA 's response within XXXX  days and I learn on XXXX that I can ask for help from CFPB, XXXX, and the XXXX XXXX XXXX XXXX XXXX so I'm resending the documents that I sent last month for you to look into. Thanks!

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 2023-07-05
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had XXXX on XX/XX/XXXX. USCB has been calling me relentlessly, and I explained to them that I was not going to pay, until my other medical bills had gone through for deductible purposes, and further until I received a detailed accounting of the actual procedures on the actual day of XXXX, as well as all procedures and costs in XXXX. This week I received a letter from UCSB with new and different amounts owed, however, I have still not received a detailed accounting of procedures, costs, and what was actually billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America is the worst Bank in XXXX. The Bank and the System is discriminating and completely evil. Why would a Bank like this be allowed to operate in the United States when all it does is promote bias, discrimination, and an unjust system? This Bank has held my money, {$47000.00} for 2 Weeks now to ransom and declined all transactions and payment I setup causing me untold hardship, return payment fees and all types of embarrassment. I would like to know the evil I did to open an account with Bank of America. People should be aware of the depth of evil and darkness this Bank portrays. They have caused me untold frustration pain and heartache for no reason. Even after I called to explain my situation, they have turned deaf ears and kept declining all my transactions on the basis of insufficient while at the same time holding {$47000.00}, I made available to pay my bills and live peacefully. They robbed me of my peace and caused me untold pain. It shall NEVER BE WELL with Bank of America. The pain they caused me they will reap in a measure that befits it in a magnitude 100 times more damage and destruction they would not escape.

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 2022-10-18
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-18
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2023-10-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry 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 2022-11-10
Company: EQUIFAX, INC.
State: TX
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:
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, EQUIFAX, AND XXXX. ) 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. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, EQUIFAX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT # XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, EQUIFAX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE

Company response to consumer: Closed with explanation