BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
State: VI
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 following accounts are fraudulent : XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
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:
XXXX XXXX XXXX have been reporting to my credit as a collection on Experian and XXXX the debt was paid and the company agreed to remove from my credit report. XXXX have no problem removing 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 2020-01-08
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt has been paid in full and was agreed to be removed from credit report as well as rental history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21
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:
My credit Report from Experian is showing my XXXX XXXX Credit Card account back on XXXX of 2013. I have submitted several disputes to Experian and they answer account was verified and remains unchanged like saying no update necessary. So i decided to dispute the error directly with the Creditor and when they respond me back all they say is that they can not verify any information over 24 months back. So my question is this. If the Original Creditor can not verify that information how is it possible that Experian verify it and then send me the respond of my dispute saying that no update is necessary because the account was verified. That is unacceptable for either parties.

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 2022-01-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am filing this complaint because I am the victim of a XXXX scam. I have requested Wells Fargo Bank to reimburse me for my loss, but my request has been repeatedly denied. 
On XX/XX/XXXX, at XXXX XXXX, I received a Free Msg text on my cell phone alerting me that someone was attempting to make XXXX transfers from my checking account at Wells Fargo Bank in the amounts of {$700.00} and {$1000.00}. I didnt open the text but immediately checked my account on the Wells Fargo mobile phone app on my phone and saw an unauthorized {$.00} withdrawal from my account, which I believed meant that her checking account was compromised. I immediately called the Wells Fargo fraud department, but while I was on hold, I received an incoming call from a number identified as Wells Fargo, so I answered. 

The caller identified himself as XXXX, a Wells Fargo Fraud Specialist. He said that {$700.00} and {$1000.00} had been taken from my account and that I needed to immediately initiate a XXXX transfer back to myself to get the money back. I was confused and frantic, and I initiated the transfers as instructed, first in the amount of {$700.00}, another for {$1000.00} and a third in the amount of {$1800.00}, ( XXXX told me that another {$1800.00} had been transferred from her my account while we were talking ). For each transfer, I received a verification code, which I then gave to XXXX. A few minutes later, I received three alerts on my mobile phone from XXXX XXXX  ( with whom I do not maintain any accounts ) confirming that the payments were received from me and sent to account ending in XXXX at XXXX XXXX. 

I reported the fraud to Wells Fargo immediately, but I didnt even get a response until XX/XX/XXXX, and was told that my claim was denied because I had initiated the transfers, Wells Fargo was unable to stop or reverse the funds. I requested copies of the documents from Wells Fargo which I finally got in XX/XX/XXXX. According to XXXX at Wells Fargo, I would most likely get the money back because anyone who asks for the documents usually does. 

According to an article I found on the internet ( copy is attached ), Wells Fargo is responsible for reimbursing me for my loss under the Electronic Funds Transfer Act and a directive from the Consumer Financial Protection Bureau issued in XX/XX/XXXX. I sent this information to Wells Fargo Bank and the bank is still refusing to compensate me. Is there anything that you can do to help me? I contacted XXXXXXXX XXXX, but they told me I needed a subpoena for information. Thank you. 

XXXX XXXX XXXXXXXX

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 2022-06-14
Company: Experian Information Solutions Inc.
State: IL
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 report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-01-08
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX : I discovered a collection account on my credit report listed as XXXX XXXX. I have two current and open accounts with XXXX and that is all. I did not recognize this account so I filed a dispute with XXXX and XXXX. B XX/XX/XXXX Both disputes were completed as " verified/accurate ''. 

I have never received any written notification nor any voicemails from the collection company Lvnv Funding LLC. I attempted to contact this company twice. The first time I called I waited on hold to get through to someone for 17 minutes. Once someone got on the line, I was placed on hold and disconnected. I attempted to call again the following day and spoke to an extremely rude woman who did not let me finish speaking. She advised she was unable to help me because I did not have an account number. I only had a partial account number that I found on my credit report. I tried to explain to her that had I received proof of debt in writing, I would be able to provide the account number. I requested a supervisor. Placed on a long hold again only to be disconnected for the 2nd day in a row. After wasted time and effort, I decided to file this complaint. I do not recognize this debt and am prepared to seek legal assistance to get this removed from my credit report. The way this company operates is setting off many red flags to me. Had they complied provided me with assistance and mailed me proof of debt in writing, I wouldn't file this complaint. The sheer fact they treat people like criminals regardless if the debt is valid or not is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax on XX/XX/2021 mail me a letter saying they unable to locate my credit file. asking me make a copy of pay stub or social security card or W-2 Equifax is updating my auto loan and credit cards on credit file so why so many games. I'm also filing a complaint with US Attorney office in regards to the issue with Equifax issues Equifax will not send a complete full report with all the pages to my credit file. I did not ask for no credit score i ask for a complete copy with all the pages of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with Chase in XXXX, primarily so I could have a local branch for cash deposits and withdrawals. I transferred {$10000.00} into the account, with the intention to withdraw most of the money quickly to pay a contractor. 

However, I was never able to withdraw that money. The bank held the money in the account, but I could not withdraw it or transfer it because I had not yet received a debit card. I spent more than 5 hours, including multiple customer service calls and two branch visits, to try to find a solution to this problem, but I was unable to resolve it. This caused a hardship because I was unable to withdraw that money elsewhere to pay the contractor. 

A few weeks after having that resolved, I discovered that my Chase checking account had been closed without warning. I still have received no notice from the bank, nor have I received the funds that were in the account. Further, when I call Chase, the only department that can answer my questions has a 2+ hour wait time, which I can't afford. 

This has been a miserable experience and has been really difficult to navigate the holidays with $ XXXX tied up and inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX XXXX, MN 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: U.S. BANCORP
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hello I was accepted to unemployment a month-and-a-half ago this card was sent to me through usbank I activated the card I seen days later that there was a balance of XXXX as of today I have tried to use the car online I've tried to use the card at the ATM at the bank and all it keeps telling me is I need to contact customer service I spent a total of six and a half hours on hold with usbank and I'm still not getting an answer not even through email nothing! So that is my only source of income at the moment and I've not been able to touch {$1.00} of it and no excuse as to why I have no food I have no money I have sold my vehicle to get by for the last 2 weeks and these people obviously don't care there's no excuse why I can not get my funds out of that account I was accepted I was approved it's my money I can't even transfer it they've locked me out of the account totally saying that I put in wrong passwords or emails I did not put in the wrong password to emails I've been very organized about this please

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account # 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. 

XXXX XXXX XXXX. CO. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK XXXX A ) 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 2022-06-14
Company: LEXISNEXIS
State: AZ
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 have completed 2 rounds of disputes for this particular reporting with no action by XXXX. I am also requesting an investigation into the, third party reporter, Lexis Nexis as they are supplying this erroneous information to the bureau. It is their responsibility to make sure they are reporting correct information and they are not. I am disputing a dismissed XXXX  XXXX bankruptcy that is showing on my report only on XXXX. This reporting is attached to a case with a social security number that is not mine. I sent a letter certified with delivery confirmation to XXXX and they received it on XX/XX/2022. They responded to the dispute on XX/XX/2022 and stated that it has been confirmed via a third party reporter, Lexis Nexus, and made no deletion of this erroneous information. Please mandate XXXX and Lexis Nexis to stop reporting this erroneous information on my credit report. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: TX
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 XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE A 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 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 2022-06-14
Company: EQUIFAX, INC.
State: IL
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 submitted a complaint XXXX to the CFPB on XX/XX/22 about Equifax stating the following In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account number 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. In return I received a letter in the mail saying to contact them which I did in the past & they did nothing. They state that it didn't appear to have come from me but I am sending this complaint on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
in XXXX I received a private XXXX XXXX loan, which was serviced by Navient. After XXXX XXXX I fell behind on all of my loans because I was unable to find a job. I 've since brought all of my loans current. However, I was unable to work with Navient at all and they charged off the account in XXXX, XXXX. They called both me and my elderly mother insistently and told her they were going to take her house away if she did n't pay. As a result she paid Navient {$5000.00} in XXXX, XXXX. Since XX/XX/XXXX Navient has reported the account as a charge off -- however every single month they renew the account on my credit report with an increase in the balance. The account is currently reported as a charge off and the balance has increased to {$16000.00}. In XXXX, XXXX I contacted Navient to see what I could do about this loan since despite very hard work to improve my creditworthiness my credit score can not improve because of their continued reporting. I left them a message and my call was returned by a collection agency. I was able to negotiate a settlement with the collection agency and paid the settlement amount in full. However, in XXXX, XXXX Navient again reported the account as a chargeoff with a balance increase of approximately {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$100.00} gift card from Visa in  XXXX  of  2016 . In  XXXX  of  2016  I return some products to  XXXX  and used this card. This made the balance of credit on the card to {$130.00}. Now I 'm unable to use the card. After talking to  Visa  they said the card was not valid now because the card was only for {$100.00} and now shows credit of {$130.00}. They said the only way I can activate or use the card if I send them a receipt of my return to  XXXX . I do not have this receipt. So there is no way I can get my {$130.00} from Visa.

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 2022-01-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently verified my credit report to come to realization that multiple credit card attempts were made on my credit file I have not applied for majority of these credit card as soon as I realize that I made a police report/ complaint and I have also placed a credit freeze on my credit so that i can better monitor the situation I have provided a short list of companies that these attempts have been made thru and have directly impacted 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 non-monetary relief
Consumer complaint received 2017-07-24
Company: BARCLAYS BANK DELAWARE
State: MI
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 balance transfer

Complaint:
I recently opened a Barclaycard because of its zero percent balance transfer rate. Barclay attempted - succeeded - in a balance transfer for twice the amount I actually owed on my XXXX XXXX card. In addition, while Barclay shows the balance now on that card there is still the original balance on the XXXX XXXX card. So now I have gone from a $ XXXX debt to $ XXXX debt simply by attempting a balance transfer. Both banks claim the other bank has to resolve the issue. XXXX XXXX says there is no payment from Barclay but Barclay shows the two erroneous balance transfers. I have tried getting help from both companies to no avail. Both say " wait and see it if it fixes itself. ''

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 2020-01-08
Company: EQUIFAX, INC.
State: VA
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:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job

Company response to consumer: Closed with non-monetary relief