BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: NC
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:
I recently paid off my student loans to bring the account into to good standing. When I did that experian also placed a late payment status on my account making seem as if I just was late on a payment. Before I paid it off there were no late payments on the account. I tried to disputing error with experian. They just told me it was verified. I also made them aware that it was impossible for me to have a late payment in XXXX of XX/XX/2020being that the CARES ACT was passed year and half ago. This inaccurate late payment that was placed on my account in error is hindering me from by a home and further more getting funding to go to school. Can you please have experian to remove the late payment.

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 2022-05-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I initiated an online wire to XXXX, a company owned and operated by XXXX XXXX. The {$8600.00} wire was payment for a research project for my daughter over the summer. I had been communicating by email with XXXX XXXX about the research project for over XXXX weeks. XXXX XXXX emailed his banks wire information. A perpetrator either hacked my email or XXXX XXXX 's email and substituted his bank account information for a fraudulent account. 
The wire was outsourced through my Bank XXXX Wells Fargo ) and completed on XX/XX/XXXX. Since I did not hear from XXXX XXXX 
XXXX, I emailed him to ask if he has received the funding for the project and he said no. We called each other immediately and began reviewing our emails. We discovered that the email he sent containing the correct bank information was deleted and a different attachment containing the fraudulent information was inserted. I immediately changed the password on my email, contacted Wells Fargo, and filed this report. Wells Fargo will try to recall the funds but did not promise a return of my money.

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 2017-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a letter from Bank of America notifying me that they canceled my credit card due to the reasons  of 1. an inactive account and 2. seri ous delinquency, and public record or collection filed.     The fact is that I have had this particular credit card as an emergency backup and had no problems for the past 20 years, also I am currently in the process of removing fraudulent accounts from my credit reports due to identity theft of which I became aware only in  XXXX  this year.     I 'm not happy that the bank did not contact me first before canceling my card, and I have no way of contacting them to present my side of story.

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 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The credit bureaus are in serious violation of the FCRA laws and FDCPA laws

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, My name is XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are stopping me from buying a home. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-03-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loan was held by Navient I am a XXXX and have work in the field for 19 years. over this time I have attempted to access federal loan forgiveness and I feel I was miss led and not given the opportunities that i should have. I have made several attempts specifically asking for Loan forgiveness under the XXXX field and time and again i was sent other paperwork or told that what I was asking about did not exist. I was encouraged to put my loans on forbearance and i feel I have paid undue interest due to the Guidance of Navient. I have since moved my loans out of Navient to attempt to save money and get correct repayment structure

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular accounts position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove the following accounts from my personal credit file : LVNV FUNDING LLC - XXXX Balance {$91.00} ; LVNV FUNDING LLC - XXXX Balance {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My husband 's debit card information was stolen ( presumably skimmed from an ATM machine ) and then used to make withdrawals of over {$1000.00} from his Chase checking account. When we made a claim with Chase, they declared that the withdrawals were valid -- despite being made in a different part of the country and completely out of line with our banking habits. My husband only makes withdrawals from ATMs a couple of times a year, since we use online banking for almost all transactions, and never in such large amounts. Furthermore, my husband was out of the US at the time of XXXX of the XXXX transactions -- a fact which we provided evidence for in the form of airline reservations, passport scans, and entry/exit stamps from the country. Despite the fact that my husband was not even in the country to make the withdrawals, never mind the fact that we live on the opposite side of the country from where the withdrawals were made, Chase deemed the withdrawals as " authorized. '' We lost over a thousand dollars and have no intentions of ever keeping our money in a Chase checking or saving account again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-01
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited  XXXX  into my account and did a couple of transfers which i am allo wed 6  transfers with money market account and unlimited with checking so i had an external account linked with my checking account and i made a transfer from discover bank to  XXXX   XXXX   XXXX   and discover stopped my transfer in the amount of  XXXX  and asked me why did i transfer it after i deposited the funds in their bank, i told them i 'm allowed to transfer my money anywhere i like so they then said they are closing my account and the transfer was completed but they still managed to stop it then they said the funds were fraud and t hat 3 banks w ere asking for the funds back which is not true bacause the banks they named i do n't even bank with period.The funds came from  one ba nk only and when i asked why are they accusing me because i made a transfer they said i can not have my funds and it was being closed for fraud, my bank tried to recover the funds and wa s denied.My fund s are still at discover and i want them.They also said send in proof of identity and i did still they are keeping my money while it is gaining interest .They kept telling lies saying   XXXX   XXXX  ,  XXXX , and  XXXX  were asking the funds back, they came from  XXXX  and they should have sent it back to them but they wo n't they said for me to tell  XXXX  to do an indem but if the bank was asking for the funds back due to fraud why would n't they give them to the bank, it 's because that is not true and they are trying to keep my money it 's been since  XXXX  the  XXXX  that they have had my funds and i am still able to check it but not able to get the funds because the account is froze and suppose to b e closed.This disc over bank lies and gains money off of customers money.I did not do any fraud and i need my funds.Their customer service make false statements and are very rude.They also get angry when you transfer your money out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent updated letter to Experian XXXX and XXXX  to updated my current address and employer and my phone number all 3 credit bueaue Bureau all 3 credit bureau are stated can remove other addresses because the address was giving about a creditor, there one address never belong to XXXX  it starts with I had never lived at the 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 2018-03-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Had about XXXX  personal credit cards, 4 were Chase personal credit cards. Applied for the Chase Hyatt credit card on XX/XX/18. Without any warning, all my chase credit cards were shut down a few days after. This is immediately right after I paid the {$450.00} annual fee on my Chase Sapphire Reserve card ; Chase reps stated my refund would be eventually refunded. All of the spend on Chase CCs was organic spend. Called Chase, but got moved around from rep to rep. Finally, was able to submit an appeal for my shutdown ... will hear back in 7-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX of Virginia, operating by and through JPMorgan Chase Bank, continues to send threatening letters and e-mails alleging debts that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 was an authorized user on a XXXX XXXX credit card. I asked to be removed several months ago, XX/XX/2017. 

I have not been removed yet and the primary card holder has allowed the account to go delinquent, which negatively affects my credit.

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 2015-05-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have contacted HSBC and XXXX on several occasions asking for verification of this debt. XXXX just states that they verified the information and it is correct. I asked XXXX to provide me with the information verified and I am told that it is the information on my credit report. I have sent letters to HSBC asking them to please provide information on this account as I believe the account is too old to be reported. HSBC has not responded to my request. I have made attempts to call HSBC but they have their telephone system set up to require you to provide your credit card number or social security number. I have attempted to use my social security number but it does not recognize my information, not allowing me to speak with someone from HSBC to resolve my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hunter Warfield has violated the FDCPA ( Fair Debt Collection Practice Act ) by commenting on unfair practices which is a direct violation with laws put in place by congress and you are violating the law here to protect consumers. According to 15 U.S. Code 1692f : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 


They have been reporting alleged account on my credit reports which include interest and fees. Hunter Warfield Has violated the FDCPA along with my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I would like to know the specific breakdown of how my  XXXX  Reflected that I paid between   XXXX - XXXX  pe r year, but not last year as it appears to have been fixed for future years but to this point I have over paid in student loan interest when my interest rates were only  4-8 p ercent.     I asked for this information over a year ago from the company and did not get a response. I spoke with the company after my last complaint and asked for it again and was not provided it.     When my loans were consolidated, the payments were not applied correctly over a year ago and I have made several phone calls to try and have someone submit something to fix it but have not been successful.     The loan monies were supposed to pay off the HIGHER interest loans first and leave the lower interest.     I have several loans and I have never had a loan company treat me this way.  XXXX  is who I consolidated with and they realized that they did not give me a loan percentage decrease and proactively sent me an email that they would fix it. I didnt even recognize the mistake, but it seems that there are several reasonable companies to deal with but navient is still not responding to my previous request.     I am only asking for them to fix THEIR mistake and credit me the back money that they owe me as a result. I am not denying any terms I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Contacted Experian concerning inquires and accounts that were not mine.

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 2022-05-31
Company: Kentucky Higher Education Assistance Authority
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 information incorrect

Complaint:
XX/XX/XXXX Greetings, I presented a police report to all 3 credit bureaus in XXXX stating that I was a victim of identity theft. Looking over my credit reports in that year I noticed so many errors and inaccuracies on my reports that it astonished me. I contacted all 3 bureaus and the debt collection companies directly to dispute all inaccuracies. Many of the companies stated that they did not have me in their systems and to dispute the debt with the credit bureaus. I did dispute the accounts and they still appear on my credit report and are inaccurate and some are not my debt. I have inquiries I never authorized as well as names that are not mine. Addresses I have never lived. XXXX in fact notified me of a data security breach in XXXX and that my identity had been compromised as well. I have disputed on all 3 credit reports personal information that is not my identity. XXXX responded in XXXX of XXXX to my dispute and sent back the dispute with the same information that I disputed which had me pretty upset that they would not honor a police report my identification as well an affidavit of facts. I did security freezes with XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX. XXXX has reported and XXXX has reported inaccurate debt in large amounts of various accounts. owing {$30000.00}, {$7000.00}, {$1400.00}, {$1800.00} and {$9300.00} KHEAA I do not even know who this company is. XXXX and KHEAA indicated they have no record of me in their system and could not tell me anything. XXXX has an inaccurate amount of debt on the credit reports. XXXX XXXX XXXX XXXX XXXX has expired. They indicated to dispute the account. XXXX XXXX is a collection agency I never heard of. I never opened up a XXXX XXXX XXXX  account and do not have nor had a credit card of such in my possession. I will be sending out letters to all bureaus and agencies to resolve these matters. My financial peace of mind has been broken and i will not rest until I get to the bottom of why nothing is being done to resolve these matters. If you need any further documents please let me know. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: SUNTRUST BANKS, INC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
My wife holds a conditional XXXX. She applied for a loan with Sun Trust for part of her educational costs, and I agreed to co-sign the loan. Sun Trust indicated in its eligibility requirements that permanent residents were eligible to apply for a loan. We received initial acceptance of our application and began the process of supplying all required documents. At the end of the process, Sun Trust rejected our application saying that they would not provide a loan to a conditional XXXX holder. This requirement is not stated in their eligibility requirements. If it had been, we would n't have applied to them. As a result, we wasted a good deal of time and effort in fulfilling their documentation requirements, and I may have suffered adverse consequences to my credit report because of their credit inquiry and ultimate rejection of our loan application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : TRANSUNION COLLECTION : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance {$630.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$4000.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: Credit Control, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX is continuing to attempt to collect exempt fund by sending debt to different debt collector Credit Control LLC to collect they were sent exempt from debt collections letter and a complaint is filed XXXX that they still has not responded to they need to be investigated the 3rd attempt on same debt

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