BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was approached by Wells Fargo to take out a Credit Card and I was approved for {$5000.00} but only wanted about {$1000.00}, they told me not to worry that in 90-180 days they would have debt repayment or consolidation low interest special, so I accepted the higher credit limit. When I saw an advertisement about the low interest loan program in about 90 days later, I applied and my credit could not have changed that much, but was turned down. So, now I have been forced to pay off a high interest credit card, where I transferred debt expenses to and was given false, misleading, and deceptive information about. This is wrong and not right.

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 2015-04-09
Company: National Principal Group, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by XXXX XXXX on XX/XX/XXXX at XXXX XXXX. He claimed to be a process server engaged by LPS. He said that I needed to call them ASAP or he would serve me papers. XXXX also called my parents at their home. He was calling from a blocked number, but gave me the number XXXX XXXX XXXX XXXX to contact LPS. I called the number and found out that LPS is Lakefront Processing Solutions. They said that I owed {$450.00} on a payday loan taken out with XXXX XXXX XXXX on or about XX/XX/XXXX that I ned repaid. This sounded incorrect to me, but I gave them a credit card number that I knew would let me dispute the charge and paid the balance with the intention of doing more research when I got home that evening. When I looked into the payday loan, I verified that I did not take a payday loan out and that XXXX XXXX XXXX was most likely not a real company. I called LPS back to discuss and was placed on hold and sent to various voicemail inboxes. Eventually, after several calls from me, they gave me the phone number for XXXX XXXX XXXX. They mailed me a debt verification form ( attached ), but it provided no additional information was very vague. It was also a basic word document form. I disputed the charge with my credit card, changed my card number, and received my money back. On XXXX at XXXX I received a call from XXXX XXXX stating that he had received my file again and would serve me papers in XXXX minutes if I did not resolve the issue with LPS. I called LPS and spoke with XXXX XXXX. I asked for the bank account number that payments had been attempted from and was given the last XXXX digits of XXXX. This is not my bank account nor has it ever been my bank account. I also checked my bank account to make sure that there were no charges coming in or out from XXXX XXXX XXXX. Nothing. No payday loans at all. I am not sure if this is a legitimate debt collector seeking payment for a fraudulent debt or a fraudulent debt collector. Either way I am sure that I do not owe this money and will dispute this debt. LPS has an old address for me, as well as my social security number and former employer 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My adult daughter was living with us for a few months, she put in a change of address with USPS when she moved. Somehow the USPS tagged my AMEX credit card bill with the yellow sticker for change of address and sent my bill to my daughter. Luckily, my daughter is responsible so she got the bill to me ASAP which avoided a late payment. Then the next correspondence that I received from AMEX had my daughter 's address on it, no sticker, as if AMEX had changed my address. I log into my AMEX online account and sure enough my address had been updated. I have been chatting with AMEX today but the customer service reps seem very nonchalant about the issue. One rep even denied that AMEX had changed my address. This is a very PII/security serious that must be taken seriously. What if I didn't have a relationship with my daughter? What if bills just piled up at my daughter 's place and I had no idea. What if a person with ill intention went to USPS and changed my address. These companies should be verifying with people that these address changes are authorized before any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: PlusFour, 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: Information belongs to someone else

Complaint:
I've contacted this company, I haven't been able to get ahold of anyone. I've never been to this Radiology company. You can compare my social security number to the social on file with this company as well as my date of birth. Nothing will match, I believe this file may be mixed up with someone else. I've done done business or had any services from this business.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2016-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX most likely sold my defaulted credit card to XXXX XXXX XXXX who have been harrassing me for way too many years. I appeared in Court and provided financial information to them to document that I did not have the resources to repay the debt. They call and call and send letter after letter. I went thru a difficult divorce and have still not recovered from that period of time. BUT this debt should not be still be reported on my credit report as the default occurred @ 7 years ago.

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 2015-09-22
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I was denied a loan do to US Bank " Mistake '' I tried to get a DU approval and it would not due to a pre-foreclosure on our credit they said they fixed the problem .. I have paid out thousands of dollars trying to get this fixed it is the US Bank fault this has been on credit for over 5 years.. higher interest rates, getting turned down because of a foreclosure on our credit I paid for a home inspection, I paid for a appraisal ( 2 times ), I had to paid for a HUD inspector title fees 2x, I sent them a letter stating the monies I have spend over the years due to there mistake they said they could not help me because they do not have any doc showing them I was denied ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX XXXX placed an account on the collection which I quickly disputed, and a resolution was achieved. All negative items relating to XXXX and XXXX collection were removed. 

On XX/XX/XXXX another collection agency place the same collection item for the same amount, same creditor but new date. This is illegal and it's hurting my credit report. 

They must remove the account asap as it's not mine and I already proof such once. I want a letter from them removing such items from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
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 have made 5 yes 5 complaints against Experian with the CFPB this would be the 6th. They have never responded to my complaints stating : " your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' I have been sending mail to them for over a year and have recorded phone calls of them stating that they confirm these accounts being Paid In Full in XXXX. Bankruptcy and credit accounts on report validation request are also ignored and I send them certified with a bill and copy of my ID. Experian has stalled for long enough. Please see previous complaints below and review all documents sent to experian directly by me. I have also attached my disability paperwork, bank document, a photo taken today with me holding a note to experian, my Ohio Drivers License, NC ID, Unemployment documentaion that came  today and other mail sent to me today confirming I am me. The call I recorded is also attached in the previous complaints made but will not load to this one. There are so many documents that all can not be loaded due to the MB allowed. I will be willing to send them by mail or email if needed. 

A complaint was filed with the FTC on XX/XX/2020 as well as the XXXX   on XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/16 I leveraged US Bank 's website to re-order checks for my account. It sent me to an associated 3rd party vendor, which was authorized to print, mail, and charge for check orders. This 3rd party is called XXXX XXXX XXXX , XXXX. 
I went through their process to design and order my checks, in doing so I was provided information that illustrated that my order had a Discount. This discount matched the subtotal for my order through the process. At order confirmation, it was still illustrating to me that my Order Total was {$0.00}. As such, I thought I was ordering my checks and authorizing them to not charge me a fee, as that is what was presented. Then on XXXX/XXXX/16 I saw a " Check Printing Charge '' for {$54.00} taken from my account. On XXXX/XXXX/16, I filed a inquiry to XXXX to clarify what had happened and to ask for a refund. On XXXX/XXXX/16 I received this response : I 'm sorry if the fee was n't displayed before you submitted the order. I will certainly research if this is an issue on our end or deluxe. You may return the checks to your nearest branch at usbank.com/locations. In the future, you may call us anytime at XXXX to ensure there is n't a fee. 
I replied with attachments that illustrated " Discount '' and authorized total of {$0.00}. Then I received this response : Thank you for your reply. This why I suggested for you to visit the nearest branch, so you can return the checks and they 'll have the fee refunded to you. 
I do not understand why, if I was presented {$0.00} for my order, and that is what I authorized why I was billed {$54.00}. In addition, I do not understand why US Banks customer service wants me to return the checks to be refunded.

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 2017-01-23
Company: U.S. BANCORP
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
Us Bank closed my credit card in retaliaition for reporting them to your agency. They have also denied my request for past statements, lied about the true balanced owed, lied about payments received, and lied about not receiiving documentation related to several disputes. 
I want the following charges outlined in the attachment removed from my account. I am also notifying experian of the retaliatory actions taken against me and a long trail of false statements provided to me by us bank as related to payments received, documents, and emails.

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 2016-02-15
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
US Bank failed to pay my homeowners insurance for the XX/XX/XXXX-XX/XX/XXXX year. I had to notify them that they did not pay my insurance through my escrow account. Then they send me a letter stating that they are putting in insurance on my house for the XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX. They then bill my escrow account for this insurance. I attempt to put insurance on my house for XX/XX/XXXX-XX/XX/XXXX on two separate occasions and US Bank does NOT pay the premiums so my insurance is canceled. Then they send me a letter stating that I do not have insurance on my house for XX/XX/XXXX-XX/XX/XXXX and they AGAIN put THEIR insurance on my house. They refuse to talk to me on the phone, keeping me in their queue for over three hours at a time. Now because they have insured me for last year and this year- my escrow has been doubled billed and this has created a " shortage '' which has increased my house payment over {$300.00} a month. Since they are supposed to pay my insurance from my escrow account and they failed to do this in XX/XX/XXXX, they have broken the law in Florida. Then they refused to pay my insurance for XX/XX/XXXX-XX/XX/XXXX- thus breaking the law again.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: MI
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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my requests.

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 2019-12-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019. Chase Bank informed me that my account was restricted and that they would be closing my account within 7-10 business days. I had an application for a secured credit card with XXXX XXXX XXXX  for the amount of {$200.00}. The application never went through I demanded a refund XX/XX/2019, which I confirmed with a representative from Chase I would receive it in my account before the account closed. Chase decided to close my account and the wire for {$200.00} was sent, I am told by XXXX XXXX XXXX. The problem is Chase is telling me that they never received the wire. Both banks are sending me back to the other. XXXX XXXX XXXX gave me a transaction ID number for the wire and they claim they sent the wire out. Chase claims they cant find the transaction ID number and a wire was never sent to my account. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I stop attending classes because I had personal issues during the yearXX/XX/XXXX,  since then I stopped assisting to my classes, and they continued to charge me until now the date XX/XX/XXXX. I only finished 21 credits which is in my opinion a theft and a dishonest way of handling a student support in financial and personal matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: Information belongs to someone else

Complaint:
I have made several disputes with Equifax, and have never had issues. THey sent me a letter requesting for me to verify my identity ( which was done already when I mailed my disputes ). They are refusing to reinvestigate the bankruptcy on my credit report, which has come off XXXX as the information was incorrect. 

The latest dispute that I made on XX/XX/XXXX, shows they completed it on XX/XX/XXXX but on the dispute it shows they verified it on XX/XX/XXXX. So they did not reinvestigate the dispute and remove it. I have attached all the information as requested by Equifax as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: AZ
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'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$83.00} XXXX XXXX XXXXXXXX Balance Owed : {$70.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX

Company response to consumer: Closed with explanation