BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been fighting the accuracy of my 12 student loans that have been out of default sine last year of XX/XX/XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a zero balance as i have also consolidated all of the 12 loans into 1 loan! I sent a email to the CEO of XXXX and got a email back from one of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XX/XX/XXXX! Now in XX/XX/XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of XXXX past due as that event happened before i rehabbed my loans although XXXX the ORIGINAL bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only 3 of the 12 loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next year XX/XX/XXXX! but these 12 accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought 3 of the 12 loans.

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 2022-03-03
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Balance : $-

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 2020-02-19
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello Please review my attachments. 

I received this documentation on the mail. Ive been living at this address for 4 years and never received any type of collection debts. Why? Because I have no outstanding debts or no late payments ( Credit scores XXXX plus score on all 3 bureaus.. ) on my credit reports. Again see my attachments. 

My credit history and financial worthiness in 2020 speaks volumes. In the past in my military years while married I did have debt dues, while trying to survive with no handouts and based on hard work dedication and focus. A no excuses mentality. Review my attachments and then let me know please.

Retired XXXX XXXX Long Time Viable Citizen

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 2020-06-30
Company: U.S. BANCORP
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
A correspondence dated XX/XX/2020 was sent to USBank requesting {$190.00} ( now {$190.00} ) in errant " Monthly Maintenance '' charges be refunded back to my account. I have been fully complaint with the terms which would prevent these fees.

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 2022-08-30
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX, the parent bank of Chime who I am currently with, has locked my account and will not unlock it. I changed my phone number on my Chime account Wednesday XXXX XXXX at XXXX XXXX  and it instantly locked my account for a " matter of security ''. I received emails saying my account would be locked and until I submit the required documents, I would have no access to my debit card, my login information, as well as any direct deposit deposits coming in would be ejected and sent back to the issuer. I supplied the prof that Chime asked me for the same day and was told over the phone that within an hour my suspension would be lifted and account back unlocked, as I pleaded for them to unlock it as I am to be paid on Friday XX/XX/2022, and I had bills that I needed to pay as they will be shut off and I am the only one in my household with income to cover the bills. I was assured that they received and verified my information was good and that it would take an hour and then it would be lifted. Several hours passed and I consistently kept calling and I kept getting the run around. I was eventually told it would take 24-48 hours. Friday XX/XX/2022 came and it was still locked. They have held my money and I can not but the medicine I need for my child or husband, as well as they told me that now they don't have a timeframe and they will fix it whenever they can. Today is Tuesday XX/XX/2022 and my account is still locked and I have been told that there is no timeframe that can be given to me and they will fix it whenever they can. This is hugely inconvenient to me as I now how have to open a new bank account with another bank so I can hopefully get my deposit next week and hope I'm not delinquent on bills. Chime has done nothing to support me and they have informed me that replies to their emails will further delay getting my application processed. I have given them more than enough time and it is ridiculous to hold someone's money and not allow them to make purchases or get their paychecks all because I changed my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have an account with paypal. went to use it 3 weeks ago and could not log on. Was told there was fraud and so they closed the account and recreated it. Since then I have not been able to logon. Multiple calls and hours spent trying to get help logging on or to close my account and get my money back I keep calling and ask to speak to a supervisor and CAN NOT get my money sent to my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30
Company: CL Holdings LLC
State: CA
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 did not open this account. The information is wrong and my name is missed spelled and I DID NOT OPEN OR AUTHORIZE my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: JPMORGAN CHASE & CO.
State: OH
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 have not received a statement for this account in over six months and they have not attempted to call me to advise the account as past due. I have advised them i was not getting any statement via mail or email. I have checked with my postal service as well as check all folders in my email to make sure that i was not switch to email statements. This account has now been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: MI
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:
n accordance with the Fair Credit Reporting, XXXX XXXX XXXX Account number XXXX has violated my right. 

15 U.S.C 1681 SECTION 602 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 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 2022-08-30
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
VISA credit card with Best BuyXXXX CitiBank , NA. XX/XX/2022 I paid credit card in full in the amount of {$1600.00}. ( XXXX balance ). XXXX statement showed a balance of {$68.00} which was not a charge I made therefore I reported to Best Buy and they stated they would file a fraud claim. During the mean time we received a new Visa Best Buy credit card. I did not activate the card, I destroyed the card and contacted Best Buy to close the account. I received from Best Buy Credit Services a letter dated XX/XX/2022 that my account was past due and my credit limit was reduced from {$3500.00}. to {$350.00}. because of past due account. The new card issued had a balance of {$4.00} and we received no statements or any notifications regarding account status. We have had numerous contacts with Best Buy to correct this problem balance of {$4.00}. We received notice via computer of an adjustment of {$5.00} which left the card with a credit balance of {$.00}. The report to all the credit bureaus adversely effects my Credit Score from XXXX to a XXXX. I have never had any past due payments in the past on any account. I would like to Thank you for assisting me in getting this resolved and my credit report back to it's original 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 non-monetary relief
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent numerous requests to the credit reporting agencies regarding errors and inaccuracies on my credit report on XXXX, XXXX and XXXX and have not receieved any correspondence from anyone in regards to my requests and the inaccurrate reporting amongst the bureaus are still present.

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 2017-08-29
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: Their investigation did not fix an error on your report

Complaint:
I have been fighting the accuracy of my XXXX student loans that have been out of default sine last year of XXXX XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a XXXX balance as i have also consolidated all of the XXXX loans into XXXX loan! I sent a email to the XXXX of XXXX and got a email back from XXXX of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XXXX! Now in XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of XXXX past due as that event happened before i rehabbed my loans although XXXX the XXXX bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only XXXX of the XXXX loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next year XXXX! but these XXXX accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought XXXX of the XXXX loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have ebill and auto pay set up through USBank for my gap credit card. I have selected the option to pay the entire balance upon receipt of the bill. I noticed that two payments were made in a row for {$25.00}. I thought this was strange and investigated. In both cases they paid only the minimum payment and not the full balance as was requested. I incurred interest fees due to this. When I called USBank they confirmed that despite the settings that they offered me, I selected and they confirmed, that the option to pay the entire balance did not really exist for this vendor. This is completely false advertising and while it did not cause my major financial strain, it could result in large interest fees for other consumers. if this is a known issue, US Bank should be required to make their previous customers whole and STOP promoting this service until they can technically execute on 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 explanation
Consumer complaint received 2020-02-19
Company: Brown and Joseph, Ltd
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This " law '' office has called me repeatedly at my office and on my cell phone ( which is listed on my office phone for patients to contact me ) saying that they have a " time sensitive issue '' for me but would not leave any information with my staff. They first titled themselves Brown and Joseph Law firm which when researched on the internet comes up as a fraudulent agency for debt collection and now, they are calling themselves XXXX XXXX XXXX. Same contact number. I do not owe anything, have received no delinquent notices of any kind from any of the companies I deal with and my accountant, who is my husband, and who is also a CPA and Chartered Accountant says there are no debts owed anywhere. How do I get a cease and desist? Also, why haven't these people been stopped?? they have been calling since XXXX leaving these vague messages. I left a message one time stating that if they could not leave a more detailed message or contact me via mail then I would not be contacting them. Please assist me ( and probably a number of other people ) with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: AL
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:
Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be 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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
n accordance with the Fair Credit Reporting, XXXX XXXX XXXX Account number XXXX has violated my right. 

15 U.S.C 1681 SECTION 602 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 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 2022-03-03
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:
I lost a wallet with all my personal information ID, SS Card, Bank Cards etc. I canceled the bank cards the next day so those were no issue but some months later I started noticing items on my credit I had no knowledge about and at that time I didn't put 2 and 2 together about losing my wallet so I would just dispute the charge to no avail. Later when trying to purchase a home I seen where it listed on my credit that I had a balance from an apartment when during that time I lived at XXXX XXXX XXXX, XXXX in a house not an apartment. I can't do anything with these items on my credit. I have been going back and fourth with with that all the accounts opened up in my name and I just need this to be over. I have collection accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have over 10 Inquiries from places I have no idea about. Credit card closed accounts theres 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
My complaint against Equifax is that they consistently report my credit score as 60-80 points LOWER than the other reporting agencies. I have tried disputing incorrect information on my Equifax but they either confirm the information ( new creditor who purchased old debt that should have been deleted ) or they refuse to let me dispute the old information. Equifax 's inability to report fairly and accurately is problematic for ALL individuals. Along with their data breach, they've shown themselves to be unable to provide trustworthy service while continuing to charge creditors for their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
unsuspected high interest. The past 2 months trying to get th
e interest reimburse.
I stated I have excellent credit to lower the interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am filing this complaint because XXXX XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
this is the 2nd time I have tried to get Experian to correct their information! I filed chapter XXXX in XX/XX/XXXX and it was discharged XX/XX/XXXX I have previously provided a copy of the discharge to you in my previous complaint

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