BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: CA
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 Experian credit reporting agency is causing harm to my credit profile by showing 3 hard inquiries that are inaccurate to the credit profile from the following companies : XXXX XXXX XXXX XXXX Disputes have been filed internally through the Experian website, but all attempts to remedy the situation have failed.

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 2022-10-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i'm XXXX XXXX, on XXXX i made an order on the website called XXXX XXXX XXXX XXXX. it was a pen called XXXX XXXX XXXX XXXX and the transaction was {$2000.00}. til now, i still hasn't get my pen. they keep saying that i was a first in line getting then later said it was delayed dude to high demand and now stop replying me and not picking up my call. at first i want is that either the dealer fulfill my XXXX # XXXX or if can't then they need to refund my money back. because they make me wait for so long and now my bank ( chase ) seem like they not going to take my claim serious because it so long ago and they want me to talking with the dealer but the dealer never reply. so i want my bank to continues work on my case and refund my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
US Bank listed a property for sale. The claimed to have clear title in the original purchase contract. I obtained financing spent money to get my loan and when I got to closing I found out there was a lien against the property they knew about and failed to disclose. They then expected me to sign a document " Holding them harmless '' from the lien. My lender refused to fund my loan when they saw the " hold harmless '' on the pending lien.

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 2019-12-13
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX OF ATTORNEY GENERALS OFFICE, BUREAU OF CONSUMER PROTECTION HAS THE DETAILS ON THIS CASE # XXXX. SHE SAID SHE TRIED CONTACTING US & SENDING LETTERS TO US BUT WE NEVER RECIEVED ANYTHING.SOMEBODY IS FULL OF IT, THIS HAS BEEN GONE ON WITH NO NOTICE FOR OVER TWO YRS NOW HER SUPERVISOR TELLS HER ABOUT NOT NOTIFYING US AND SHE SAYS SHE TRIED BUT TO NO AVAIL, SHE SAID BARCLAYS SAYS THEIR WAS NO FRAUD BUT I SAY THERE WAS CAUSE THE CHARGES THAT WERE MADE HAD NO AUTHORIZATION FOR OR EVER DID. THEY WERE FROM MAGAZINE COMPANIES AND INSURANCE COMPANYS AND SHOULDNT HAVE BEEN ALLOWED PLUS BARCLAYS NEVER CHECKED WITH US ABOUT THE CHARGES TO SEE IF VALID OR ANYTHING AND JUST LET IT HAPPEN. MY MOTHER IS XXXX YRS YOUNG AND THEY TOOK ADVANTAGE OF HER. SHE NEVER KNEW WHAT WAS HAPPENING UNTIL I ( HER SON ) SEEN THE EXTRA CHARGES ON HER CARD THAT KEPT GROWING FOR NO EXTRA AUTHORIZED CHARGES TOTAL {$900.00} THIS AMMOUNT WAS UNAUTHORIZED

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 2022-05-16
Company: Experian Information Solutions Inc.
State: AL
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 non-monetary relief
Consumer complaint received 2020-06-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was a victim of a scam. A seller pretend to be a XXXX seller with which I paid him via XXXX. This seller turns out to be a small electrical company out of Maryland. The transaction was for {$4300.00} When I tried to contact the Bank to submit a claim, I was diverted to the online site. I submitted the claim, I submitted the wrong amount {$20.00}. I called the bank the next day and they advised me to just cancel the claim and resubmit. 

I was informed that the claim was fine and yesterday they told me I am not eligible and they have not done anything to process the claim. Since I submit the first claim. Again, I called them the next day after mistakenly submitting the wrong amount and they advised me to cancel and resubmit. I am doing this based on their advise. 

I have been a bank of Chase bank for 30 years and a private client. I will move all my accounts to another institution. I don't feel like they are looking out my best interest. I like to see if you can assist me in retriving this fund for a fradulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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 XXXX account # XXXX XXXX XXXX XXXX account # XXXX - these accounts have been disputed multiple times and came back verified, I supplied proof to each bureau that the creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for XXXX seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for XXXX XXXX has already removed both of these accounts due to serious errors in reporting

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 2021-12-10
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:
XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for XXXX seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 
this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for XXXX XXXX has already removed this account due to serious errors in reporting

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/2022, I received a notification that there was a change in my credit report. When I logged into both XXXX XXXX XXXX XXXX XXXX I noticed that my credit report showed that my credit score decreased by XXXX points, for a decreased balance, on my auto loan with XXXX XXXX. I also received an e-mail from XXXX that on XX/XX/2022, it was advised to them by Transunion that there was a decrease in my score as well. I feel that this is an error that needs to immediately be corrected as it is preventing me from being able to be approved for a home purchase.

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 2019-12-13
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am enrolled in the Public Service Loan Forgiveness program since XX/XX/XXXX. The amount of qualified payments I have made have been miscalculated. I called them in XX/XX/XXXX and I was told that they are recalculating the payments and will contact me when they are done. I called them today, XX/XX/XXXX and spoke with XXXX. She told me that their calculations were accurate. The missing payments that were not included in their calculation was because I did not make a payment even though my payment was {$0.00} ( a lump sum payment was made for the year ). They do not count my lump sum payment as adequate payments even though it was applied to my bill for the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 CommonWealth Financial has flagged my XXXX  account as Collection. CommonWealth Financial has alert XXXX  that I, XXXX XXXX XXXX owe them a balance of {$65.00}. And again 0n XX/XX/2020 CommonWealth Financial alerted XXXX  account of a balance of {$1300.00}. On XX/XX/2020 Commonwealth Financial flagged my XXXX  account with the negative reporting with the same above balance. I went into investigating how did this collection agency or CommonWealth financial in this matter received my information from, and I found out that the original debtor is XXXX XXXX XXXX. I did looked into the doctor offices visits and any XXXX  XXXX I received in XXXX  and I have never been to this medical office in the past or received any XXXX XXXX at this location. Also I did not received any letters or emails from Commonwealth Financial regarding a dept that I owe, or try to reach out to me to resolve the debt issue. I have attached a copy of my report with the accounts in question circled. This false reporting has had impacted my credit score and credit report so negatively that my score went from XXXX credit score to XXXX and continue to decrease ever since. I believe that there is incorrect information that I would like to remove from my experian credit account and would like to restore my credit report and score back to normal. 

there is incorrect information on your credit report that you want corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Several months ago, I received an alert from my credit monitoring service indicating a negative account was added to my XXXX  and Equifax credit files by XXXX XXXX so I drafted up a letter and mailed it to XXXX XXXX via USPS Certified mail with Returm Receipt. Several days later, the mail was returned to me as undeliverable because XXXX XXXX refused delivery. I have included photos of the actual letter I sent along with front and back pictures of the envelope with postage/certified mail sticker/return receipt still attached, with the word "Refused XX/XX/XXXX" written on the front of the envelope and the envelope remains unopened. Under the Fair Debt Collection Practices Act, I have the right to validate the alleged debt and due to XXXX XXXX deliberate intent to evade this process, has not afforded me the opportunity to do so. Their failure to validate debt and accept mail delivery to their business is a clear violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: American Coradius International LLC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
American Coradius International LLC ( ACI ) XXXX, TX XXXX and XXXX, NY XXXX XXXX This company sent me a letter via the USPS stating that they are a collection agency collecting a debt on behalf of XXXX. 
Reference # XXXX I was able to confirm that with XXXX that my account is in good standing and I do not owe them anything. Upon attempting to discuss this debt with ACI, they were able to confirm they are collecting this debt. I requested the paperwork they received from XXXX that verifies the debt owed and they refused to provide that and said I would need to get that from XXXX. Naturally, XXXX, can not provide the paperwork because it does not exist on my account because the account is in good standing and they have not filed any collection action against me. 
I asked ACI where they got the account number on the statement and they could not confirm this source. Additionally I asked how they came up with the address that they mailed the notice to and they said that came from XXXX, which I believe to be a lie. I think this company is either attempting a scam, or actually has a collection account for someone with a similar name and is sending letters to everyone that has that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Atlanticus Services Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed late payments with Fortiva on several occasions without any results from Fortiva for the 3 major credit reporting agencies. I called Fortiva on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Fortiva was unable to provide statements with late payment information and information was not available online as well. Only 2 statements were in their system and for me to review online which were not the statements needed. My concern is what information did Fortiva provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months Fortiva is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since my debt is high as started a modification. This started in XXXX XXXX and still on going. I sent them enough information to make a decision on my behalf but still going on. They have sent me a least XXXX pieces of paper telling me they have a debt to collect, this is too stressful for me at my age. This debt was started in XXXX, in the amount of {$330.00} at a interest of 6.875 %. Now debt is {$260.00} at a interest rate of 4.875 %. This is serviced by the ASC Corp, XXXX XXXX, IA, parent bank XXXX The ASC Co. who services this account and without my knowledge open an escrow account without my permission and paid my Real Estate taxes and my fire insurance. I have always paid these bills on my own so could keep a check on them. Now they added the money they paid out for my taxes and insurance, added to my XXXX XXXX bill, so my payment I have to meet each month is over {$2000.00}. Where my taxes and insurance were n't monthly and since I retired, I am on a fixed income, monthly. XXXX could borrow from the central bank a 0 % interest. Also want of add that a member of ASC service co called about a payment stated that, if I missed XXXX payments, they could start to forclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have a loan with Springleaf Mortgage Services Inc.At this time I am selling the property and closing was set for XXXX/XXXX/2016 the closing attorney has requested finial pay off for this loan but Springleaf has refused to give that information to the attorney.They have ask for a written and signed request from myself to be faxed to them before that information will be released that was done and faxed to them by the closing attorney they still refused to give that information their excuse is they have not received a fax so as of now it has been faxed to them 4 times.Yesterday the written form was taken to their branch office faxed from there to their corp.office and then scaned and loaded into their system while a XXXX XXXX was talking to corp. she then asked if they would fax her the pay off so this loan could be closed out But they refused to give her that info also.A supervisor from their corp office talked to me over the phone and i was advised that this takes time and it could still take several more days to be processed as of XXXX today they are still trying to say they have not received the fax and form.How can that be when it was faxed from XXXX of their offices and the man from corp. acknowledged the fax went through.So I would like to know how they can do this and keep charging interest each day and that be legal? Please help do something so i can get this taken care of and that no one else will have to got through this stress and mess.I may loss the offer to sell because the bank may drop the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11
Company: KEYCORP
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a Keybank credit card since XX/XX/2012, I have always paid my payments and my credit limit has always been {$2000.00} but after I made a {$1000.00} payment towards my card they decided after looking at my credit score which I didn't authorize they lowered my credit line dramatically and posted to my credit score about it which lowered my credit score. I talked with Key bank and they said it's what happens when you look like a risk factor and me paying the large amount made them look into me. I want my credit limit back to {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX, a federally protected consumer and natural person, I'm aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX 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 4. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 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 5. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 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 6. Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 7. Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 8. Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX 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 response to consumer: Closed with explanation