BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
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: Was not notified of investigation status or results

Complaint:
I sent in letters requesting an update on several accounts inaccurately reporting to my credit. This letter was sent XXXX days ago. There has been no update regarding the investigation. I have also sent ALL information needed to accurately identify and locate my credit file. No status update has been provided to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX  and XXXX This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them.

DEPTEDXXXXI do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this 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 non-monetary relief
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX  XXXX {$5600.00}

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 2017-06-30
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXXXXXX I reviewed my credit with Experian and they have my fico score is very damaging at XXXX in which it should be higher than that. Experian statements of 60 days late payment and collection and XXXX hard unauthorize inquiries has n't been deleted from my credit file after my file Bankruptcy Chapter XXXX on XX/XX/XXXX and it was Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX. No negative statements, collections and unauthorize hard inquiries should n't be on my Credit report with Experian, XXXX and XXXX. I did n't authorize no creditors to pull my credit without my personal signature, and if my signatures was provide it, than creditors should supply to Federal Government. The XXXX hard inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX pulled on XX/XX/XXXX XXXX XXXX XXXX . 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX pulled on XX/XX/XXXX and XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX.pulled XXXX in XX/XX/XXXX, even though I have car loan with XXXX why they pulled my credit without my consent. 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX pulled on XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX.pulled on XX/XX/XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. XXXX.pulled on XX/XX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , California XXXX . XXXX.pulled on XX/XX/XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona.XXXX XXXX.pulled on XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX . XXXX.pulled on XX/XX/XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX.pulled on XX/XX/XXXX and XX/XX/XXXX These are hard inquiries that are damaging my credit scores and plus collections and negative statements by Experian, XXXX and XXXX. <P/>Also I never resided or lived at XXXX XXXX XXXX XXXX, Tennesse.XXXX.This address is on Experian, XXXX and XXXX.This is Fraud.address

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 2017-10-23
Company: SLM CORPORATION
State: OR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A single individual claiming to call from Sallie Mae repeatedly calls me and asks to speak to either my father or my brother. I tell them that they live in a different state and to please stop calling me. This same person again called me today at XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ok I filed a complaint no XXXX one of the exective officers of customer care has emailed me twice telling me to call her. XXXX XXXX is her name. I emailed her back and said I would not call them. I am tired of being lied two.and told her to refinance my loan for {$170.00} a month and I would set it up auto pay. I know this would extend the loan for another year or 2. if they wont do that I told them to take me to court and sue me.i want this in writing not over the phone. I told her to send me all the paper work to refinance the loan and I d sign it and send it back.that was a few days ago she has n't emailed me back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with my mortgage company for a loan modification. On XX/XX/XXXX, i was denied for the loan modification and in the letter it stated that i had a 30 day right to an appeal. I submitted my appeal on XX/XX/XXXX and the documents had been confirmed received. Yesterday I called Shellpoint to confirm that there was no sale date on my home. I spoke with XXXX and he advised there was no sale date and confirmed that it was placed on hold. Today we received a call from XXXX XXXX with Shellpoint and he advised that the appeal was acknowledged and the sale date was scheduled for XX/XX/XXXX. After getting deeper into the conversation with XXXX he then realized that they had all the documents to review the appeal but requested that i send solely the XXXX so that he can send it over to underwriting. I just dont understand how i can be so misinformed and my documents to be so neglected considering the circumstances of foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: VERITAS FUNDING, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I received a yellow card in the mail telling me to call an XXXX XXXX number immediately about a closing on a mortgage with Veritas Funding. I got the mortgage in XXXX of 2015 and it was sold to XXXX the same year. It has also been sold by XXXX to XXXX mortgage. When I called the XXXX number it had me enter a mortgage id number and the dropped my call. As a result, I called Veritas directly and was told that is looked like fraud. They had me scan the card I received and reported it through their company. I have not noticed any fraudulent charges on my credit cards and have a credit freeze on my credit bureau accounts. Veritas also verified that the XXXX number on the card is not their XXXX number. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
My wife and son received a call from a  XXXX   XXXX   XXXX  claiming that  XXXX   county law offi  cer  where trying to serve me with court papers. My wife called the company back and was told that his name was  XXXX   XXXX , who called our son and told him it 's a civil/criminal lawsuit. He started to tell my wife I owed a debt to Home Depot sinc e 2006 an d that I had a court case in a week and that is f I did n't pay the debt of  XXXX  I would also have to pay for court fee and attorney fees. He stated he has sent legal service notice to our address 2 times and no one was home. He also left a message on my wife 's cell phone stating we had been served my written notice over the voicemail. He asked my wife that he could settle the debt if she paid him right now  XXXX . My wife proceeded to tell him that she would make no such payment and research the matter. They also claim to get my sons cell number because I used him as a reference  in 2006. My so n wa s in high schoo l and had no cell phone.

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 2022-05-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As per my conversation w/a representative from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, it was asked if I ever lived at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL. XXXX. I explain to XXXX XXXX that I have never lived at this address. Also mentioned that my information was stolen, and I have been victim of fraudulent actions due to this matter. I separated from my ex-husband back on XXXX and around that time I also was able to find out that someone used my information to open several accounts and used an XXXX account, and went ahead and purchased an entire alarm system for their house, the only thing I remember was that their house was near XXXX XXXX area ( which again I have never lived in that area ). Unfortunately, due to everything going on that became an untouched matter. Back around XXXX I was reached out by the fraud department of elections as once again my information was tempered with. Obviously, XXXX XXXX XXXX is a very common name and is unfortunately because it seems that this matter might continue to happen. The above address I have never lived there and the address of XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL. XXXX was a house not an apartment. After that I moved to XXXX, then back to XXXX XXXX, and last to XXXX once again. Is obvious that based on the initial information I was able to collect this debt is not mine and is unfair that I must pay for someone else responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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:
I the consumer submitted a CFPB complaint ( ID # XXXX ) for experian on XX/XX/XXXX which is provided as exhibit A. That complaint was made because i sent a dispute letter regarding accounts and didnt get a response. In the response to the complaint Experian stated that they did an investigation and verified that all accounts were verified as accurate. Experian is currently reporting that the XXXX  XXXX account open date is XX/XX/XXXX and the last payment date is XX/XX/XXXX which is provided as exhibit C. In exhibit B i have a statement from XXXX XXXXe stating that the date the account was open was XX/XX/XXXX and the last payment date as XX/XX/XXXX. This shows that Experian is currently reporting inaccurate information on my report after stating they verified everything reporting was accurate. This is not the time to update information due to that should have been done after the first letter was sent. Now that i have pointed out these mistakes, by updating information will be admission of XXXX There is no way experian could have done a proper investigation in accordance with 15 USC 1681i due to the inconsistencies coming after my first dispute. I demand that this account be deleted immediately or i will have no choice but to seek legal counsel in regards to the amount of Federally Violations under FCRA experian is currently committing.

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 2017-11-05
Company: EQUIFAX, 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:
Credit Reporting Agencies is reporting inaccurate information on my credit report. Credit Reporting Agencies has XXXX XXXX XXXX account listed as being opened XX/XX/XXXX, when in fact i never open an account with XXXX XXXX XXXXXXXX on XX/XX/XXXX. I have presented evidence to Credit Reporting Agencies showing the XXXX XXXXXXXX XXXX account has errors, and Credit Reporting Agencies has ignored facts presented. Credit Reporting Agencies also list XXXX XXXX XXXX as  a creditor when i have presented proof from XXXX XXXX XXXX stating, XXXX XXXX  XXXX is a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello my name is XXXX XXXX and my personal information was leaked and effected by the data breach that took place in 2017. I wrote a complaint prior but I was emailed that the companies could not find me in there system. I have been experiencing extreme hardships with these fraudulent accounts on my credit report for some years now. I have tried to dispute the issue with the three bureaus but it has been nothing resolved. I've been directed to you guys in hopes to getting these accounts finally removed and end this long and tiredsome process. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: NAVY FEDERAL CREDIT UNION
State: OH
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:
Navy federal, XXXX, XXXX And XXXX has violated my rights under the FCRA which has cuased actual damges of XXXX XXXX XXXX XXXX XXXX Defame of character, and Reduction of credit limit I've sent out several letters the last one dated on XX/XX/2021 that none of the companies named above responded to I Will attach document to the complaint. I Also have corespondence from XXXX federal stating they could not do a proper investigation which means the account should have been removed I asked for an original document bearing my signature and no one was able to provide me what I requested. They just kept saying that the account was validated but an account can not be validated without a contractual agreement bearing the consumers wet signature. XXXX XXXX and XXXX allowed Navy federal to report account # XXXX account # XXXX Knowing the accounts are inaccurate. Transition and XXXX closed the accounts instead of removing the account and XXXX has not taken the time to do anything at all. I will attach all supporting documentation and I Demand for the account 's to be removed immediately from my consumer report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: U.S. BANCORP
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a US Bank Gold Checking account online on XX/XX/XXXX as part of a {$200.00} opening bonus promotion. The terms of the promotion required either direct deposits totaling {$500.00}, or two or more online bill pay transactions of {$25.00} each or more, within 60 days of account opening. I chose to schedule two bill pays : a {$250.00} payment to one of my XXXX credit cards on XX/XX/XXXX, and another {$250.00} payment to a different XXXX credit card, also on XX/XX/XXXX. The promotion terms state that the {$200.00} bonus is payable within 60 days of satisfying the bill pay requirement, so in my case, by XX/XX/XXXX. On XX/XX/XXXX, I noticed that I had not yet received the bonus, and e-mailed US Bank customer service using their online banking secure e-mail service. The auto-reply promised a response from a US Bank representative within 2-3 business days ; no response was received. I called US Bank customer service by phone on XX/XX/XXXX to follow up. The representative noted that they would create a research request, and that I could expect a response within 2-3 business days ; again, no response was received.

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 2021-07-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and my personal information was leaked and effected by the data breach that took place in 2017. I wrote a complaint prior but I was emailed that the companies could not find me in there system. I have been experiencing extreme hardships with these fraudulent accounts on my credit report for some years now. I have tried to dispute the issue with the three bureaus but it has been nothing resolved. I've been directed to you guys in hopes to getting these accounts finally removed and end this long and tiredsome process. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: WELLS FARGO & COMPANY
State: GA
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 was at my friends house for a party on XX/XX/XXXX than I woke up the next morning and my car was missing along with my Wallet when I left in the car so I I file a police report on the XXXX and then on the XXXX I found out there someone use my debit card to withdraw XXXX $ Plus they also rented a hotel room I jist want my XXXX $ dollar but Wells Fargo say they didnt find anything fraudulent. As soon as I found out my wallet was missing I report jt stolen right away I even sent them a copy of the police report. They found my car on the XXXX or XXXX I think and it was total there was nktjnf left in it so now Im out of a car and out of 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 2018-06-04
Company: Citizens Savings & Loan Corporation, Chattanooga, TN Branch
State: TN
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 discovered that this company had done two hard inquires on my credit without authorization. I have not applied for a loan from them since XX/XX/XXXX or XX/XX/XXXX, The company name is, Citizens Savings & L Inquiry from XX/XX/XXXX Citizens Savings & L Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/21 Disputed transactions unauth thru chime. There were XXXX transactions. They claim provisional credit can not be issued because some of the transactions within the claim are older than 60 days. The last statement which contained the first notice of the charges was XX/XX/XXXX at that point everything moving forward from XX/XX/XXXX should be eligible for provisional credit they are claiming because there are some transactions older than 60 days as of the date of my filing none of these are issued for provisional credit I asked then to split up the dispute for the ones older than 60 days and the ones newer than 60 days they have refused to do this I have quoted regulation e and they refuse to do anything further with this process except give out blanket emails and read a robotic statement on their computer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/22 I used the Chase ATM on XXXX XXXX at address XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I attempted to use my ATM card to withdraw {$500.00} from my account but the ATM showed a message that it could only distribute {$200.00}. The ATM delivered multiple bills of {$5.00} that were stuck in the ATM cash slot. When I tried to retrieve the money, the ATM pulled the bills back inside. I was able to retrieve some of the cash to the amount of {$100.00}. However, the remaining {$100.00} were not distributed to me by the ATM. I filed a complaint with Chase regarding the missing amount that remained inside the ATM. Unfortunately, Chase determined that this claim was not founded by their own ATM audit and reversed the temporary credit they previously issued me. I faxed a letter to the bank to let them know I disagreed with this decision.

Company response to consumer: Closed with monetary relief