BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I contacted XXXX XXXX in order to pay off an outstanding balance on a credit card that had been charged off and was instructed to work with XXXX XXXX 's attorney. I spoke with them and they offered to settle the account and mark it as paid on my credit report and remove an associated judgement. I made the payment and now they are not changing the balance owed on my credit report. I have the offer letter and a copy of my receipt so the balance should be changed to {$0.00} and the utilization percentage on my credit report should also be changed to {$0.00}. I disputed the amount on my credit report and they reported that the balance is correct, which is untrue. I believe their actions are at least unethical, if not 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 explanation
Consumer complaint received 2015-05-12
Company: Credit Plus Inc
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have approximately XXXX hard line inquires on my report ( via XXXX XXXX ) and they were NOT authorized to do so! How do I remove them from my report! These inquires have caused my score to decline significantly and I am livid!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with the accounts below. 

Account # XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , NV XXXX. 

Account # XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX , OH XXXX. 

Account # XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , OR XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX/XXXX XXXX , XXXX XXXX XXXX, XXXX , FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX , MO XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX   XXXX , NY XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , NV XXXX. 

My dispute was clearly submitted on XX/XX/XXXX. It took you 46 days to provide these inaccurate results. According to the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. 

Please delete these erroneous accounts so that I can finally put this issue to rest. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Creditor XXXX. I never have XXXX as servicer, always have XXXX for several years. Never lived in XXXX, Florida. Never received any statement from XXXX just found through credit report that it 's for collection already. Hoping for your immediate follow up regarding this matter.

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 2016-05-06
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
During the past three months, XXXX has been reporting to the credit bureau 's that I have been 30 days late. This information is incorrect and false as XXXX raised my monthly payment of my loan without my knowledge and without informing me. I continued to make the monthly payment that I was making since day one. Prior to this, I never had a late payment that was posted on my credit report from the XXXX. I have contacted the XXXX where I get nothing but disrespect and people that are unwilling to clear up this problem. I challenged my credit report as which time Experian did n't delete the late payments.

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 2015-08-07
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have filed a total of XXXX disputes with this credit reporting agency. The XXXX other credit reporting agencies HAVE corrected or removed errors. The third ignores my disputes as well as proof I have sent them of their errors on my credit report!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently filed a complaint with XXXX concerning XXXX XXXX. This complaint is against Experian. 
XXXX XXXX has placed another inaccurate post on credit report with Experian after it was disputed and successfully removed from my Experian credit report. 
Experian re-posted the inaccurate information on my credit report after they review and removed it.

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 2015-04-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Granted XXXX modification by Wells Fargo/ASC in XXXX of 2014. I was approved for the XXXX XXXX XXXX modification, but the documentation does not show XXXX XXXX XXXX calculation which might involve some forgiveness and lower the principal. Made XXXX trial payments plus XXXX more so far. Now they are telling me that it may not be finalized because XXXX XXXX XXXX Bank will not subordinate the home equity line. XXXX XXXX XXXX claims their interest is not covered because of the property value. I have convinced them to do a new appraisal, because property values are increasing not decreasing per their data. Wells Fargo has put a XXXX XXXX deadline on resolving the subordination. 
Wells Fargo Loan XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
They are not verifying or updating my the accounts they just keep writing me back saying they have been verified. I 'm asking for original contracts, and they just keep sending credit reports. Some of the collection agencies have even written me saying they will no longer be reporting or asking for anymore money from this point on, but nothing is being updated.

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 2022-07-12
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: DISCOVER BANK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Made purchase using discover credit card on  XXXX   XXXX     2017. Was  hockey stick {$290.00} try return store would n't take back so try call discover dispute transaction they advise me to send back qualified return guarantee.they have return guarantee in which send product to them they refund me money. I file return claim #  XXXX  in which pay {$50.00} ship back. Then denied my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: NY
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 have reached out to the credit bureau and I am yet to hear from them, it has been over 30 days and no response, these are inaccurate and should not be on m report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
NELNET Obstruction of Income-Based Repayment Application : In  XXXX   XXXX  after becoming unemployed, I made application for income-based repayment plan for student loans serviced by  both  XXXX  and NELNET in coordination with the DOE income-based repayment application web portal ( See attached ).  XXXX  approved the application but NELNET obstructed the application because it claimed it did not participate with DOE 's electronic process ( See attached ). The electronic application was downloaded from the DOE web portal and mailed to NELNET with supporting documentation. I did not hear back from NELNET for some time and when I contacted   them in  XXXX   XXXX  I was informed that my loans were in default and no longer handled by NELNET. I would need to contact   XXXX   XXXX   for loan rehabilitation. I incurred a {$10000.00} default fee sometime between  XXXX   XXXX  and  XXXX   XXXX  because NELNET obstructed my application. My NELNET rehabilitation started in  XXXX   XXXX . How can the very same income-based repayment plan application properly coordinated through the DOE web portal be accepted by one servicing agency and rejected by another. Something is terribly wrong with this process and should be thoroughly investigated. Request your assistance in removing these default fees and obtaining the same income-based repayment plan approved by  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: CAINE & WEINER COMPANY, INC.
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:
So I received info in the male regarding an bill from a rental car that was rented through a insurance from a car claim. After speaking to a rep name XXXX she explained that I rented a vehicle XX/XX/2016. I explained impossible she begin questioning for if I am correct she never mini Miranda me or told me was on a recorded line I asked her first last name she told me she does n't have to '' because she does n't want to ''. At that point I explained that her info is wrong and it should be a dispute. I asked questions she said she will get a manager then a guy name XXXX gets on the phone very disrespectful loud interrupting every thing then as i asked his full name he begin to get upset yelling being deceitful and hung up in my face. I called back he put and hu the telephone 3 times. I called all leadership and never received a phone call. Today after cease and desist I received a phone call and it is the same little girl I spoke to I made aware cease ad desist. They also called my brother after having good info for me and said what they were calling about and gave name of company. My brother has I 'd caller and tracked number is was the same company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: CITIBANK, N.A.
State: TX
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:
Fraud claim filed last year and still showing under my account, I am only making minimum payment until this issue is resolved however I see interest charges are added to my account every month.

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 2022-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2018 my chapter XXXX bk was discharged. The checking account I previously had with cap 1 was included in thus XXXX They've since sent me a new debit card stating that the account is restricted. I'm not sure how when it was discharged in XXXX XXXX. When calling capital one, they act completely clueless to what I'm speaking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Credit Card Acquisitions Group
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have spoken with them already and gave them my debit information so they can deduct my payment on the XXXX of each month. They are calling me every day now, multiple times a day and leave a voicemail that they'll have to take further legal action if i don't resolve the matter because it's not going through. That's my card number, i don't know what's wrong with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a  XXXX  's  Cardholder for 5 yea rs and in that time have always paid my bills on time. I was hospitalized twice and have been out of work for approximately 4 months now due to illness.  XXXX  's used to be managed by  XXXX    XXXX   which  XXXX    XXXX   did offer card security in case of being unemployed, illness, death, etc. I tried calli ng Wells Fargo to exp lain to them my situation and informed them that I was willing to work out a hardship payment plan if possible. The problem that I have with this whole scenario is when I opened this account, I had  XXXX  insurance on the card  XXXX   XXXX  and  for Wells Fargo t o take over accounts and not offer the identical coverage and not inform the customer that they no longer have the coverage is unfair. This is information that a customer needs to know. Until I became ill, I always made sure that my bills were paid on time and m y credit score was  good. I thought that I had coverage and when I was told that I did n't I asked did they have a hardship program of some sort and their response was no and we can do nothing to help you. This is crazy!!!! I tried to explain that even though I 've been a good customer does that no account for anything? The response no sorry ma'am. This is unfair.

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 2020-04-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I previously closed Chase account in XX/XX/XXXX but it had to be re-opened due to Chase 's error and needed to deposit Cashier 's Check and wait for it to clear per XXXX, Chase XXXX, IL Banker. 

I AM BEING IGNORED AND CHASE DOES NOT CARE. 
On XX/XX/XXXX I called Fraud re : below and XXXX in Chase Fraud Dept. refused to place Frauds but transferred me to disputes and I held over an hour with no answer. 

On XX/XX/XXXX I called and tried to place Disputes and the Chase Customer Service agent kept clicking loudly and refused to allow me to place disputes. 

On XX/XX/XXXX I emailed XXXX XXXX, Chase XXXX XXXX Banker the below : Also received Letter that Cath match {$23.00} IS PERMANENT ( Chase letter attached ) and there is a withdrawal when I DO NOT HAVE OVERDRAFT PROTECTION And I only at at XXXX twice but there are 7 charges for {$6.00} some more than once a day. {$6.00} X 5 is {$32.00}. 
{$23.00} {$32.00}. 
is {$56.00} {$280.00} XXXX XXXX {$49.00} XXXX {$12.00} Bank Fee Increased ALTHOUGH NO OVERDRAFT PROTECTION {$5.00} Lot XXXX XX/XX/XXXX {$37.00} is Not mine-There is a Withdrawal slip Not in my writing. 
Total : {$400.00} Credit due Me. 
Please credit my account and advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-08
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account with gulf coast collections. They have called me numerous times and this is not my debt. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian credit bureau has 147 % credit usage on my credit report and incorrect credit card balances which is affecting my credit score.

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 2020-03-08
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, I didn't authorize these inquiries listed, and the name is incorrect on my credit profile

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 2016-12-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed with Experian credit agency over XXXX accounts that appear on my report which are XXXX and XXXX XXXX. Both of these accounts have reached the 7 year limit and were removed successfully from the other XXXX reporting agencies but of to no avail Experian refuses to delete these old accounts. I would like these XXXX 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 2017-10-15
Company: Nelnet, 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 was on deferment with thin long and in the process of being on deferred loan I XXXX was applying for XXXX through net tell and during this time that the the customer representative told me that I can get on deferred where I can suspend my payment until they decide if I 'm going to get the XXXX or not both companies were aware that I was applying for this during this time while I 'm waiting they put this on my credit I asked him to put this on I asked them to pull the tape so we could listen to the conversation of what the representative told me. I do n't believe that there are true and correct I have went back and forth with them and that 's what the representative told me and they knew that I was in the process of getting a XXXX and the representative told me that everything would be okay and it would not show A payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
I made a purchase from online store physically located in XXXX for Euro XXXX. I used XXXX as the payment method. XXXX converted to USD ( XXXX USD = XXXX EUR ) and charged my bank XXXX Bank of America ) credit card in USD ( {$2800.00} ). Now, my bank is charging a foreign transaction ( $ XXXX ) separately. Considering that XXXX has already did the foreign exchange conversion and charged the bank in USD, the foreign exchange transaction fee seems unethical and double charging from consumer 's point of view.

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 monetary relief
Consumer complaint received 2022-07-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I deposited a cashiers check for {$5000.00} dollars at the Fifth Third bank in XXXX Indiana. When attempting to draw the money out I was of the check was fraudulent I told the bank manager it was not n to call the the bank the check was written on which he totally refused to do. I then contacted the sender he called his bank they told him the funds were there n the money was in my account. My bank manger said the check clear on there end. I have called the bank manager n the fraud department they still have the check theyve locked my account. This cashiers check is valid n I am in need of my money. Im not getting anywhere with the bank or fraud department n the sender of the check is not happy at all. Please help me solve this issue Thank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: GA
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation