BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: Experian Information Solutions 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:
XXXX XXXX was removed and re inserted on my credit report without properly notifying me within 5days and according to the FCRA this is illegal.

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 2017-06-20
Company: Independent Savings Plan Co.
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 is missing that should be on the report

Complaint:
XXXX The account was paid in full via the XXXX XXXX XXXX arrangement for a payoff date directly with them they agreed to. How can anyone continue a security hold on a paid item- duh? That hold needed to come off once the account was paid. Never was I advised I was closing the account. At minimum the account should be moved to good standing paid. This is beyond comprehension that it should remain in the negative side of the report causing me untold financial harm! <P/>Their retort- When an account closes, ISPC has an obligation to report that accurately, using the format set by the credit reporting agencies. To report an account as closed ISPC must either indicate the account as closed by consumer or by credit grantor. Since it was not our decision to close your account, but rather you through your mortgage lender, we reported the account as having been Closed by consumer. <P/>1 this was a requirement of the Title Company when a home closes. It was not my request to close the account as they stated it was THEIRS- and that should reflect on the account pas paid in the positive column. 2- I was advised by them verbally the account would remain open. So much for Oral agreements! ' The key word accurately! I never closed the account- it was by nature of another lender and they never asked the account be closed just the security hold removed from public records. [ as closed by consumer or by credit grantor. ] If this is the companies policy then let them report accurately as they openly state they are required to do. How can they post this in the negative when they were involved in the account payoff?

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 2022-03-12
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: Personal information incorrect

Complaint:
Several different addresses on my credit report I want the addresses removed I want only my name one address on my credit report very simple task

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 2020-06-26
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a government issued XXXX  XXXX Prepaid card. I want to transfer the funds into my own bank account. On XX/XX/2020, I went to the Way2Go Card website and found no option to transfer funds from the account. On the paper that came from the XXXX XXXX, for funds transfer, it did state that I need to call the automated customer service at XXXX. The automated customer service had no options for funds transfer. I finally choose an option that would direct me to a customer service agent. After 45 minutes on hold, a customer service agent answered my call. I asked to make a funds transfer and was told the state of Georgia does not allow that. I thought this to be strange because I had already made a funds transfer several months ago. I asked him for clarification and he said they are working on it with the state and hung up. 
They do have a bill pay on their web site that is limited to {$750.00}. Not enough to pay my mortgage. 
I feel XXXX XXXX  is using my money for their interests, and preventing me the access to the funds to use as I see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a letter to XXXX XXXX for method of verification for a bankruptcy they are reporting. I sent a letter XX/XX/2019. I will attach at the end. I called and spoke with a rep and she reassured me they have until XX/XX/XXXX to send me a letter with the information. She told me the investigation team goes to the actual court and request the info. I received a letter in the time being from XXXX courts stating they do not report info to XXXX XXXX nor the bureaus. This is a violation of my rights on all levels. I asked them to remove from my file due to the fact that they can not validate the false information they have sold about me. This is unfair. Please assist me with this complaint. I asked them to send all documents used to verify this info and all methods they used since i have THE RIGHT TO OBTAIN THAT INFO

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 2017-06-20
Company: Experian Information Solutions 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:
Be advised this is the second request asking to removed unverified accounts that remain on my credit report in violation of 15 U.C.C 1681. In the results of your the first re-investigation it was stated that it was " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts??? Not something that was " Electronically '' submitted to you. DOCUMENTS. Also what is the name of the person IN YOUR COMPANY who verified these accounts??? What this means is someone in this company must be willing to be able to produce in your files that proves the account ( s ) in dispute belong to me and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ) under oath and under the penalty of perjury.

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 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 husband and I have disputed XXXX several times. Each time it comes back as verified. I am have been disputing the loan amount, past due amount, payment history and account status. This dispute comes back the same each and every time.. Recently I received a letter from Transunion which states they verified name, address, and social and updated everything else. Well what they verified was not in question. How can they update information without contacting the creditor, I was told XXXX was never contacted by Transunion. I have included a copy of my credit reportXXXX XXXX letters from XXXX, an email between the CEO of XXXX and myself, and the XXXX letters from Transunion. I am ask Transunion to stop breaking the FCRA laws.

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 2022-09-08
Company: ALLY FINANCIAL 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:
When i accessed my credit report today, i found 11 inquiries. Two of this inquiries, which I know nothing about, made by Ally financial! One on XX/XX/2022 and the other on XX/XX/2022. 
Even if i really did apply for any loans with this company-which i something i do not remember- I would never do it again after 5 days of getting refused! Who would apply for the same company who got refused by after 5 days!???? 
The second thing is that it is known that if you apply for more than one loan that serves the same purpose, a car loan for instance, in a 14-days period, the credit bureaus considers all credit inquiries one inquiry! So why there is 8 inquiries on my report! 
Moreover, one of these 8inquiries, which was made by XXXX XXXX XXXX XXXX i know nothing about.

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 2021-09-24
Company: WELLS FARGO & COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I am a XXXX year old woman and I was the victim of a on line scam on XX/XX/2021. I thought I was dealing with the XXXX XXXX. I was told that I had a refund for {$340.00} dollars for service I had not used. The person I was talking with ask for my bank account number to credit my account with the over charge. I stupidly gave them my account number. I was told that I had not put in the right amount and I had been credited with {$3000.00} dollars to much. I was told that that they could not remove the {$3000.00} from my account and that I needed to get {$3000.00} dollars in gift cards. I went to Wells Fargo Bank in XXXX, CA I thought I was just putting a {$3000.00} charge on my Wells Fargo account and I was not asking for a " pay day '' advance. When I realized what had happened, I telephoned the Wells Fargo Bank in XXXX, CA. I was told by the Wells Fargo there was nothing there was nothing they could do to remove the {$3000.00} from my credit card. I went home and called the customer service number, was told that Wells Fargo could not do anything.

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 2021-09-24
Company: ID Analytics, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2021, I mailed a letter requesting a copy of my consumer report. It has been a month and I still haven't received the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2020 & XX/XX/2020 XXXX disputes were submitted to Experian with no response from the credit bureau. I called today XX/XX/2020 and they have no record of receiving these letters. I have attached the tracking from the certified mail sent both times saying it was delivered. I have attached the dispute letter 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 explanation
Consumer complaint received 2023-04-03
Company: JPMORGAN CHASE & CO.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was paid my work check from XXXX XXXX XXXX XXXX through XXXX and my account was flagged a money was so called returned. My boss never received any money back to his account where the money was took from. Now I am out of a work check due to Chase Bank And I am having too much of an issue receiving my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Originally I had filed several disputes on transactions I did not agree with based on goods or services that I bought, one of those was actually a fraudulent charge, however one of the disputes I lost and because PNC only notifies you via USPS when you lose a dispute - And if provisional credit has been issued its going to be debited from the account well I never got the notice, that caused {$550.00} worth of overdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
dear sirs. Here 's the problem I 'm on fixed income and retired and have serious health problems  XXXX   XXXX   XXXX   XXXX   XXXX  not too long ago. I had a checking account and savings account they were charging me {$10.00} for taking money from savings to checking per transacti on at one m onth  XXXX  in fees and another month  XXXX  in fees for  XXXX  accounts in the same bank. I have modest income and about und er 2.000 in saving s in the bank. Because my serious health conditions I can not always monitor how much I have in checking savings too avoid overdraft fees. Because of my health problems I have a lot of  XXXX  and always worry about paying my bills. I ca n't pay all my medical expenses. I called customer service at Bank of America to see if they would refund my overdraft fees from savings to checking because my poor health situation. They said NO they do not care about your situation or that you do n't have a lot of money. They are the most heartless people that I have dealt with. All they care about is making as much money off the poor as they can. They are just the worst in humanity its always the bottom line  XXXX  forgives they do n't. I can give you copies of my paperwork from this bank. I do n't like complaining but its always the little guy vs the big banks. I had to close my account and go too another bank too save myself from financial disaster. Please help me. Sincerely  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 2017-06-20
Company: Bread Financial Holdings, Inc.
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
XXXX I did some purchase fro Paypal Credit. for the amount of {$240.00} They are overcharge me {$400.00} per purchase. I did n't use my credit card for this date XXXX XXXX, 2016. Also I sent many time some documents as well as Bank Account, receipt and etc. I did many phone call even in XXXX and XXXX. I return a purchase fro amount {$130.00} from XXXX 2016 and They do not want to debit the amount of the purchase {$130.00}. they always charge me overtime, having paid almost all of the debt. I did some many phone call and nobody help me. Please help me as soon as possible with this matter. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Yesterday subsequent to a pending '' '' investigation vs chase n their dealings and after my cfpb reporting, n " PRIOR-TO-THAT '' I WAS TOLD MY DISPUTES WERE PENDING YET MY RECEIPTS ALONE TELL A DIFF STORY, ONE SAYS XXXX $ ANOTHER ONE SAYS $ XXXX (? ) {$10.00}, SOMETHING, I RECALL TAKING OUT XXXX $ BUT NEVER {$3500.00} MATTER FACT GETTING RIGHT TO IT THIS BANKS GUILTY OF " DESTRUCTION OF EVIDEMCE ( I.E. THE CARD ENDING XXXX, BEGIN GIG ,XXXX EXP XX/XX/XXXX(? ) YEA YESTERDAY I WENT TO THE BANK BECAUSE NOT ONLY HAS THIS BANK VIOLATED MY P.O.A ACCOUNT N MY MOTHERS LAST YEAR ACCOUNT DATA WITH XXXX!! VERIFICATIONS ON TELEPHONE BUT THE " UNLAWFULLY, WITH NO LICENSE N ILLEGALLY FROZE, SEIZED MY ACCESS TO MY CASH MY FUNDS ETC WITH NO ACTUAL PURPOSE OTHER THAN TO HARRASS ME, N TO RETROACTIVELY " COVER THEY XXXX XXXX XXXX BY FORCING, SCREAMING AT XXXX, THREATENING, XXXX, TO ANSWER QUESTIONS I COULD N'T, N MAKING ME " REDISPUTE '' THINGS FOR THE CORRUPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PURPOSES OF " BY SUCH SAID REDISPUTING, IT WOULD LEAD TO CARD BEING CANCELLED OR DESTROYED TO FURTHER HARM XXXX, DURING THESE PROSECUTORIAP SOON TO BE FINALITY OF OUR CFPB INVESTIGATIONS. I DEMANDED THEY NOT DESTROY THE CARD N REFUND MY $ XXXX {$3000.00}, &, {$110.00} IMMEDIATELY PLUS PENALTY THIS NEVER OCCURRED N STEAD IVE BEEN WE HAVE BEEN GETTING '' BLANK DOCUMENTS, EMPTY RESPONSE FRAUD LETTERS JUST LIKE THEIR SCAMMY FRAUD FILLED ATMS, TAKING PINCODES ISSUEING " XXXX MONEY '' THEN CONSPIRACTORIALLY '' WEEKS LATER- '' IM SHOCKINGLYEE, XXXX XXXX XXXX ( - ) AFTER THE 3PARTY CALL WITH # XXXX  EMPLOYEE AT XXXX CCARD VERIFICATIONS WHERE XXXX ON BEHALF OF CHASE DISPELLED! ALL MY INFO FUNDS ETC STATING {$4700.00}, ON CONFCALL , ) YET NEXT DAY XXXX $ WAS MISSING, THEN ANOTHER {$110.00} FOR GOODS ORDERES I NEVER GOT, THIS BANK AS PREVIOUSLY STATED BEFORE IS GUILTY OF ALLOWING NONNAMEMATCHING, TRANSACTION 'S NOT MATCHING CARD TO OCCUR, WHICH IS BIG FRAUD N FINE WILL ENSUE.EACH REPORT I MAKE IRONIClly from a " Straw '' XXXX, I get " after-fact notices n intimidation calls letters from chase no promising resolution or loan car help at all.therefore chase JP Morgan etal has gotten itself in XXXX '' and Its Scolding!!, .the account was opened with XXXX XXXX $ check, chase allows also cracking '' ccard, by their ATM 's n misquotes, innacuracies, its records to support its unlawful no licensed debt collevting '' chase is guilty off civil rights violations over week denied access to funds n any sense '' 2201-section 1968 civ rights statutes, n guilty of a breach

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Continually call from different local numbers, refuse to mail notice of debt or any confirmation of said debt, harrasing tones, direspectful staff, will not stop calling even after attempting to block their numbers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The inquires below are not recognized. I have tried to resolve this matter several times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently checked my credit report and have noticed some accounts that i did not authorized. I've provided the documents required by the FTC to have these accounts removed immediately.

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 2018-06-28
Company: AES/PHEAA
State: DC
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:
My loans have transferred from XXXX XXXX to American Education Services. My complaint is that this servicer DOES NOT provide the information necessary in order for me to manage my loans. The website DOES NOT provide information on my scheduled payment plans, so I have no idea when my payments will be increased. The website DOES NOT provide information on how many months I am paid ahead. The servicer DOES NOT allow for overpayments to be applied to multiple loans in one account. These are ALL basic items that XXXX XXXX allowed consumers to do. This information is needed for consumers to plan and manager their student loans.

Company response to consumer: Closed with explanation