BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX, Experian and XXXX, have all failed to update and or accurately report my personal consumer credit information has reported to them by the following credit card issuers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXX ), XXXX ( XXXX ) and XXXX XXXX Bank. By law the aforementioned financial institutions must update regularly every month and have all done so has the process is automated. Unfortunately, the XXXX credit bureaus XXXX, Experian and XXXX, have all failed to honor their legal obligation to update my consumer credit report which has adversely impacted my credit score and ability to access credit in violation of the Fair Credit Reporting Act!

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 2021-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I initiated a wire transfer of {$100.00} out of my checking account into my brokerage account on XX/XX/21 and completed the wire transfer form exactly per the instructions. Capital one charged me {$25.00} to send the wire. It went missing and never showed on my brokerage account. On XX/XX/21 I found a credit on my checking account for {$70.00} from the brokerages bank and an additional fee from Capital one for {$15.00}. I was charged a total of {$70.00} to unsuccessfully send my {$100.00} wire. Capital one XXXX  up the wire as I had included all of the required info to process the wire. I called them XX/XX/21 and spoke to two rude individuals in the wire department ( one being a supervisor ) and they refused to refund me the ridiculous fees, not to mention Ive been a customer for well over a decade. They offered zero clarity on what went wrong. I am asking for a refund on the money Capital one stole from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XX/XX/2019 I made a {$1500.00} deposit into my Wells Fargo account ( {$900.00} in Checking and {$600.00} in Savings ) Following that successful deposit, for which I have my receipts, the next day, I was not seeing the money in my account, despite the fact that I had made a cash deposit. I spoke to a number of Wells Fargo customer service people on the phone and then I also physically went to Wells Fargo to sort the problem out all to no avail. Today is Thursday XXXX XXXX and I am still having to waste time trying to get my money back. I've already taken at least 6 hours off work trying to get my own money back. The amount of mental anguish this has caused is not acceptable.

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 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}, {$370.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account.

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 2022-07-07
Company: NAVY FEDERAL CREDIT UNION
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:
XXXX has removed and placed back two fraudulent accounts from Navy Federal : fraudulent account number 1 is worth {$27000.00} and account number 2 is for a little over {$5000.00}. XXXX had received an FTC report back in 2019 on Navy Federal. Also, Navy Federal has been contacted by phone at XXXX. A certified letter is on its way next to Navy Federal at the address XXXX XXXX XXXX XXXX XXXX, VA XXXX

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 2019-05-03
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2019, I attempted to move the payment date to XX/XX/2019. During the first conversation with the company I was told that the payment had to be made two ( 2 ) days prior to the payment date which is XX/XX/2019. I then reviewed the attached contract. Per the contract XX/XX/XXXX 's due date is XX/XX/2019 and the contract or website does not state this requirement. I then made a second telephone call to the company 's customer service requesting that the payment date be moved to XX/XX/XXXX and per the contract it did fall within the " two ( 2 ) day ''.  The customer service representative could not make the changes nor had any further explanation. I was then transferred to a manager and requested this payment date moved again.The manager then stated that the request could not be made due to a " two ( 2 ) business day prior to the original payment date ''. Again, there is NO written statement in the contract that states what has been stated by customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Fair Financial Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX the XXXX 2020 XXXX XXXX I was going in to get coffee and gas as I was turning right on XXXX XXXX this guy you're on my side on the left lane with a phone in his hand hit my XXXX when the police was coming he got out of my lane and ran into with the right lane and I kept my vehicle where was that officer XXXX XXXX I was not allowed either tell my side of the story you told me not to go home and purchase insurance I told him that I least this car from fair Corporation a lady policeman it was with him you told her to go inside and talk to the witness the written is was never outside at all I went with my chest hurt me for 6 weeks took me 4 months to get my car back from the shop when I get my car back XXXX XXXX XXXX call me told me I owe {$9000.00} after paying {$5500.00} to rental services case number XXXX taking the police to court XXXX XXXX and guy to court I am willing to take a lie detector test

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE 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 2023-11-22
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian I received an email from Experian on XX/XX/XXXXXXXX  indicated that my credit rating had gone down. This was a surprise as I have not had any financial changes - no new debts, no new accounts, no new inquiries, no late payments, no negative elements ... My two existing old credit card accounts are always paid off in full before their due date. My mortgage is always paid on time and that balance decreases each month. There is nothing derogatory on my file- I have never had a late payment. Furthermore, my Experian account has had a " freeze '' since XXXX, proving that there has been no new activity. Yet Experian lowered my credit rating score by more than XXXX points with no explanation. 

There is nothing on the Experian website or credit report to explain or justify this change. While I might accept a change of a few points due to their algorithm, a change of more than XXXX points is excessive and has drop my rating out of the " exception '' category. 

Ironically, at this same time, XXXX raised my credit rating score. 

Additionally, I had to hunt through the Experian website to verify that the freeze on my account was still active. This element is hidden ; instead the consumer is immediately presented with advertisements selling " credit monitoring/protection features ''. 

Consumers have the right to understand their credit rating and a generic list of " possible reasons '' why one 's credit rating changed is inadequate and unacceptable. 

Experian is not the only agencies do this... I have filed complaints in the past with the CFPB regarding XXXX doing the same thing - large fluctuations of credit score with no explanation or apparent justification. I am fully aware that the CFPB does nothing but forward my complaint to the credit reporting agency who then provides a generic response which does not answer the question of why my credit report dropped more than XXXX points with no changes on the report.

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 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX accounts were opened in my name Bank of America. Ive never banked with them.

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 2018-04-13
Company: Medical Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I discovered a issue with my credit report. I noticed there were some accounts reflecting on my report that did not belong to me. I disputed the inaccurate information and notified the credit bureau and the collectors that I was a victim of identity theft. I filed a identity theft report with the consumer financial protection bureau ( XXXX ) as well filed a police report with my local XXXX department on XX/XX/2018 ( police report # XXXX ). I sent out a letter to the credit bureau providing them with the necessary information. The reason for my compliant is to report XXXX. They are continuing to report inaccurate information on an account that does not belong to me. Other bureau 's ( XXXX, XXXX   ) has deleted this information yet XXXX is non compliant. I have requested this information to be removed from my report immediately. It has been well over a month with no response from XXXX. 
The accounts are as follows : Creditor ( since the last time I filed the report they have since removed their name from the report. 
Account # XXXX This account was filed in the identity theft report and is still reporting inaccurate. This account does not belong to me. I am victim of identity theft.Please remove immediately Also account XXXX XXXX is also being inaccurately report on my XXXX report XXXX XXXX Account # XXXX This account was filed in the identity theft report and is still reporting inaccurate. This account does not belong to me. 
Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is a contnunation of the previous complaint filed with you on XX/XX/XXXX. # XXXX-XXXX. That complaint was with XXXX which is the tail end of this whole situation. Originally XXXX XXXX XXXX XXXX. approved a HELOC in the amount of {$46000.00} on XX/XX/XXXX. Loan # XXXX. The only payments shown on the payment history provided by XXXX, account # XXXX, were in the amount of XXXX from XX/XX/XXXX to XX/XX/XXXX. However, XXXX did not receive this account as delinquent until XX/XX/XXXX. I believe the reason for this action and no record of these payments, being taken 8 yrs later is because, initially I made at least 5 yrs worth of payments to the mortgage servicing companies but my loan was transfered several times during this period. XXXX XXXX XXXX  XXXX. was sold to HSBC XXXX XXXX XXXX, XXXX, VA. Account # unknown because Hsbc filed bankruptcy and have no record of this loan. Then my loan was serviced by XXXX during that time but in XX/XX/XXXX, the District Court of XXXX found that XXXX XXXX XXXX was found negligent in their servicing practices and was ordered to pay {$30.00} XXXX dollars in various types of relief to the borrowers that were paying on their loans from XX/XX/XXXX to XX/XX/XXXX. Again, there is no record of the payments that I made other then what XXXX provided. But also during this time period, After HSBC went bankrupt, my loan then became serviced by XXXX XXXX, whoever they are, but they also have no record of this loan or any payments made. I don't know what happened to this loan anywhere that I can find but there is 6 pages of what was recored with the XXXX County Recorders Office in XXXX XXXX, CO. BK XXXX, PG XXXX. This filing did not include any of the details of this loan. The only verification of the terms of this loan were provided, with your previous help, by XXXX who has since been bought by XXXX. And it was unfortunate that I had to contact your office to even see what thus loan consisted of and it's terms. Had I been made aware of any of this I would not have let this loan default to become property of XXXX to collect this debt. As you might recall, during this whole time period, there were many scams and scandels confronting the mortgage industry. I don't know if I was a victim of this. I am filing a claim against XXXX along with the thousands of others to see if I was in fact this had any bearing on how my loan was handeled. The original property that was used as collateral for this HELOC is presently in litigation for other reasons. However, the findings from this complaint could determine whether I have to let my home go into foreclosure or if I have to file bankruptcy. Thank you for any help you are able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: MN
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:
Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. SEE CERTIFIED MAIL TRACKING NUMBER SENT TO XXXX XXXX XXXX XXXX SENT TO Account XXXX XXXX XXXX XXXX XXXX XXXX SENT TO XXXX VIA USPS CERITIFED MAIL XXXX SENT TO EXPERIAN VIA USPS XXXX MAIL XXXX SENT TO XXXX VIA USPS CERTIFIED MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within 4 days of being notified of the identity theft.

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 2020-12-14
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/2019, I reported to JPMorganChase that one accounts had been fraudulently opened in my name on XX/XX/2019. JPMorganChase instructed me to complete an affidavit, file a police report, and inform a major credit agency that I had been a victim of identity theft. I completed all these steps and was assured by JPMorganChase that the matter would be resolved, and that I did not owe money to the bank. However, I continue to receive threatening notices from JPMorganChase that I owe them. Chase is dragging their feet to look into my issue. They are in violation of Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I currently have a collections on my credit report from Portfolio Recovery dated XX/XX/2019 in the amount of {$350.00}. I do not know who this company is, never conducted business with them and ever signed a contract with this company.

Company response to consumer: Closed with explanation