BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Your Report Number is : XXXX Your Investigation ID is : XXXX After obtaining a copy of my credit report i noticed an outstanding account that i did not recongnize. I submitted an a Dispute online. Experian seems to only have " validated '' the account without apporpriately verifying and investigating the account. I have visited the original creditor and obtained a statement of all accounts which apply to me. This account is not listed. and no records were able to be obtained. Experian allowed me to notate on the account my dispute but would do nothing further to resolve the situation.

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 2016-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My mother deposited a bad check into my account with Bank of America, we have XXXX different signatures. I had a business account & a personal account, I paid of the remaining balance to BOA, but they closed my account and claims I still owe them money. I paid them {$220.00}

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 2020-10-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2020 : I was unable to log into my Chase online account. I called their service number and they mentioned that I had to verify my identity at a local branch with two forms of identification. 

XX/XX/2020 : I went to a Chase branch in XXXX, CA. The service representative called a customer service representative about my account. They mentioned that Chase had decided to close my personal checking account ( that I had opened only a couple days prior ) and the service representative mentioned that I would not be able to have any future checking or savings accounts with Chase ever again. Also, the money that I transferred internally from my Chase business checking account to my Chase personal checking account could not be transferred out. I would have to wait for them to close my account and for them to send me a check in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the credit bureaus TransUnion and XXXX about these hard inquiries and they seem to not wan na remove them from my credit report and i did not authorize any of these places to run or pull my credit. I have a letter XXXX sent me saying they did not pull my credit but it is showing up on my credit report. Please help me and have them removed off of my 3 credit reports if you can or willing to help me thank you. 


Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from 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 explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below and DELETE instantly from my file : XXXX XXXXXXXX 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 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disputing the XXXX XXXX on my three credit bureau reports. The inaccurate information remains after each dispute. The FCRA requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to bee inaccurate or that the furnisher has reasonable cause to believe is inaccurate. XXXX XXXX and XXXX XXXX   and Transunion are all KNOWINGLY furnishing and reporting inaccurate information on my consumer credit files. I have repeatedly disputed this inaccurate information and have also filed a previous consumer financial protection bureau claim. This inaccurate account is still reporting inaccurately on my credit reports. I hereby ask the consumer financial protection bureau have this account removed from my credit report per it is stopping me from getting insurance, affecting my credit score and my life in a dramatically negative way. It is also affecting me mentally and physically. If the three credit bureaus and XXXX XXXX continue to report this account that is showing charged off and late payments after the charge off as an open account I will have no other recourse but to contact my attorney general and file legal action.

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 2017-02-16
Company: The Receivable Management Services LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
RMS XXXX XXXX, Oh XXXX has been sending me over XXXX bills for services done and paid for by my son at his home at on XX/XX/XXXX Work was preformed by XXXX order number XXXX It was paid for on the same date on his XXXX card ending in account number XXXX ; Paid in FULL for the amount of {$89.00}. 

On XX/XX/XXXX they acknowledged in writing via email the debt was paid and stated case would be closed. See Below Date : XX/XX/XXXX at XXXX PM MST To : " XXXX XXXX Subject : RE : claim No : XXXX Ref No : XXXX Dear XXXX This is to acknowledge the receipt of your email. Please be advised that we have closed the account in our office today, XX/XX/XXXX, and you will no longer receive any collection activities from us towards the account. We would also like to inform you that we do not report these claims to the Credit Bureaus. 

We regret the inconvenience this may have caused you. Please let us know if you have any questions. 

Thank you. 

XXXX RMS XXXX XXXX XXXX On XXXX they sent me another collection notice for the debt again. I consider this Harassment and they need to stop trying to collect a debt That was for my son but also paid in full. 



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 2022-05-27
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a dillards XXXX  card I am supposed to be getting XXXX of a month in credit when I spend XXXX on gas the card is run by Wells Fargo by XXXX XXXX company are the one that apply the credits already disputed this with Wells Fargo and they have no idea and don't apply the credits accoarding to the email I should be getting once a month a XXXX I have Made 2 purchases over XXXX and no XXXX credits on my account at all wells Fargo has no clue so I am fighting this with the source XXXX is the one that puts the credits on the account even through to don't run the card XXXX why are my credits none on the account at all!!!! XXXX needs to start putting my credits on there

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 2016-11-30
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Being laid off from work has led me behind on a few payments. Everyday I receive a call every hour on the hour starting at XXXX spanning to XXXX. I have requested that my house number not be called because it wakes everyone up. Even after requesting my house number not be called, I receive more calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/2022, I was notified by my credit reporting service that Mitchell D. Bluhm & Associates , LLC ( XXXX ) had placed a collections notice in my credit file. According to the reporting service, the original creditor was XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, I have never had a relationship with or received services from either of these entities. In addition, I never received a letter from XXXX notifying me of the debt and did not have the chance to dispute it prior to it going into collections. 

Based on this, I disputed the collection with the credit reporting agencies. I also sent a debt verification letter to XXXX requesting information regarding the alleged debt and requesting that the only communicate with me in writing ( as is my right under law ). Despite that, a representative from their office contacted me on XX/XX/2022 to attempt to collect the debt. When I informed her that I had received no correspondence from XXXX, she said they had sent letters in XXXX to an address that I hadn't had in almost 7 years. Since my forwarding order for that address had expired almost 6 years ago, it is likely that correspondence was returned as " undeliverable ''. It's clear that XXXX made no futher effort to obtain my correct address ( which is readily ) available and proceeded to file a collection with taking reasonable steps to contact me in writing and allow me an opportunity to dispute the alleged debt and receive more information about it. 

Given I have no recollection of the original creditor and XXXX claims to have sent notification to an address that is almost 7 years old, I have serious doubts as to the validity of this claim. XXXX has not responded to my request for information and, based on their actions to date, has no interest in following the debt-collection procedures outlined in law. 

Since I was not given the opportunity to protest or respond to their original request for payment, I have asked XXXX to remove the collection notice from my credit reports and start the process over. I feel that it's only fair for me to have the chance to investigate the claim, validate the amount ( if any ) is owed, and settle the issue prior to having my financial reputation tarnished by what could very well be an invalid debt. I further request that XXXX 's business practices be investigated by the proper oversight authority to ensure they are abiding by the requirements of federal, state, and local laws in regards to debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My primary home mortgage is with Truist Bank. I have been a borrower in good standing never been late on my payment for a long time now. Around XX/XX/XXXX I requested to have my escrow removed. I then called to follow up on XX/XX/XXXX and was told by a representative over the phone that my escrow can not be removed due to a negative balance of {$710.00}. I proceeded to pay off this balance right away over the phone, and I see it has been posted on my account. I was assured by the rep that after paying the negative amount, the escrow can be removed. Until today ( XX/XX/XXXX ) my escrow has not been removed and the amount of payment due has not been changed. I called on XX/XX/XXXX, the rep told me they are still processing my request and it should be processed by XX/XX/XXXX. I called on XX/XX/XXXX, and the rep XXXX does not see any notes about the request to remove escrow, puts me on hold several times, and then informs me that " my request will be processed on XX/XX/XXXX ''. Even if the request was not processed yet, the new amount due should be updated due to me paying off the negative balance. Overall, terrible customer service. Each rep provides different information.

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 2022-09-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received payment of {$200.00} for car service from one XXXX  XXXX of XXXX XXXX XXXX XXXX ri She then went to her bank I believe citizens and falsely reported it as fraud resulting in money being taken from me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: PR
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:
Since XX/XX/2020, I have filled XXXX times a dispute asking for a removal of remarks of delinquency reported by XXXX XXXX. Each time XXXX sends a letter with the resolution in my favor and an updated report. The problem is XXXX days later the remarks appear again in my report. XXXX says there is nothing they can do if the creditors send the remarks every month. This last part clearly violates federal regulations that states : " If the provider continues to report the item you disputed to a credit reporting company, it must let the credit reporting company know about your dispute. And if you are correct that is, if the information you dispute is found to be inaccurate or incomplete the information provider must tell the credit reporting company to update or delete the item. '' The item under dispute is a missed payment remark from XXXX when the loans were under forbearance. I have disputed this with XXXX without any luck, even though my evidence is a letter from them stating the the accounts were under forbearance in the same period they claim there is a missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I purchased my first home, I was then unmarried and it was under the name XXXX XXXX. During escrow I paid all the closing costs which included the back taxes on the property. 
wells Fargo sent me notification that I did NOT pay the back taxes. When I contacted them to correct this they continued to deny my substantiated claims. I KNOW they were paid by me for two reasons.

1. It said right there in the closing documents that the taxes were paid by me. 2. When I contacted the County of XXXX XXXX Tax assessor they told me that they got the payment via escrow check and that they received " zero funds from Wells Fargo and if they had they sent them back, due to those taxes being paid already '' For over a year I called Wells Fargo weekly to resolve this issue. I faxed them, emailed them and mailed them on SEVERAL Occasions ( which I have all documented all the relevant information regarding this issue. Every single time they gave me the runaround and insisted of discharging me the almost two thousand dollars. They even threatened to add XXXX a month to my mortgage beginning in XXXX to " satisfy the unpaid portion of taxes they paid on my behalf '' ( which of course they never paid because paid them ). 
I meticulously recorded each phone call and each instance I sent them the information. I had to refinance my home and call the XXXX XXXX XXXX  in order to get them to admit that they did not pay the back taxes on the property. 
While the XXXX XXXX XXXX made them pay me back those monies they tried to stea to pay me back for refinancing my house, which was XXXX. I feel they still owe me this money for refinancing because I would not have had to refinance had they listened to me to begin with. 
What they did was blatant theft. 
I will be happy to scan and email or copy and mail my entire file of this affair for this lawsuit if it will help. Please let me know. All of my contact information is on your included form and at the end of this letter. 
Sincerely, XXXX XXXX ( formerly 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 2022-05-27
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2015-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
XXXX and XXXX XXXX XXXX XXXX VA XXXX : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Army and Air Force Exchange Service
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
The Army Air Force Exchange is in accurate penalties that I do not owe. I have been threatened by taking my XXXX away. This action will cause me to become homeless as a veteran an financial hardship. I request actions be stopped

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