BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
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: Information belongs to someone else

Complaint:
I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with XXXX & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXcount : XXXX XXXX Balance Owed : {$11000.00}.

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 explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Transaction Type : XXXX XXXX XXXX : XX/XX/2022 Amount : {$3000.00} XXXX XXXX XXXX # XXXX XXXX After falling victim for a XXXX XXXX XXXX, Bank of America was unhelpful in returning my funds which were transferred via a service which they are one of the largest shareholders of, this service being XXXX. I find it hard to believe a company who owns the service is unable to track the money via confirmation numbers back to the scammers account. Instead, they took the easy way out and rejected my claim with minimal explanation. 

Banks should be held liable for services they advertise to their own customers, including the lack of insurance on money or the lack of support in adverse financial situations such as scams. Be very wary of who you transfer money to. 

Bank of America Case number : XXXX Not only did I reach out to the bank, I also submitted an IC3 complaint with information on the scammer. This did not include a confirmation as IC3 Complaints apparently do not provide a case number, but here is the digital signature : " By digitally signing this document, I affirm that the information I provided is true and accurate to the best of my knowledge. I understand that providing false information could make me subject to fine, imprisonment, or both. ( Title 18, U.S.Code, Section 1001 ) Digital Signature : 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 explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This account was repossessed and written off, with no 1099 sent to me. This account was repossessed in 2016 sold and charged off sent to collections and still reporting late payments every month. How can a closed charge off account report late payments.

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 2018-09-20
Company: AFNI INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 I received a collection notice from afni Inc . It was for an XXXX XXXX XXXX account in he amount of {$280.00}. This was the first time I had been notified of the bill. 

I followed up with a letter to afni on XX/XX/18 ( see attached ). I copied my attorney on the letter as I always do on this type of correspondence. In XXXX of this year afni send our attorney the collection notice. I NEVER stated we had hired an attorney to handle this and I do not understand why they would change the billing to him. Also, they have not, as of today provided me with any additional information regarding service address, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have reached out to Caine & Weiner several times to remove this collection account. Neither time was this company able to validate it but the account remains on my credit report. When I asked for a signed contract that is required, they were unable to provide it. They have only sent me a bill. This is not what I asked for and does not validate anything. Please have this issue resolved. If a signed contract can not be provided the debt must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i bought a lap top from XXXX XXXX XX/XX/2022 i used my XXXX credit card to purchase the lap top instead of using citizen pay they are attempting to collect a debt i never accured with them we did attempt to get financed with them than decided to just put it on XXXX credit card we have proof of purchase using my XXXX  credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An XXXX loan was open with XXXX XXXX in my name for the amount of XXXX  a year and XXXX months ago. I was unable to get any additional info from XXXX XXXX and am unable to take the necessary steps to remove it from my records as a consequence.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
They charged me a high interest rate when my credit was good an made me put down a high deposit

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 2023-04-25
Company: Experian Information Solutions Inc.
State: LA
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:
Experian have failed to delete these accounts when I pointed out the inaccurate information between different bureaus including experian that was reported on my credit report. The information below was inaccurate with the dates listed below. I also sent a copy of my credit report to experian showing the inaccurate information as well. I know according to 15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information these accounts should have been deleted not updated. Experian had investigation over XXXX days ago and sent email saying their investigation was correct and complete. How can their investigation be correct when I pointed out inaccurate dates listed below. Therefore their investigation was not complete and was inaccurate which is rules for deletion from my credit report. 

I asked to have a re-investigation on these accounts below and, you sent an email notification advising all accounts were accurate and the investigation was complete and I know all items of information on my credit report should be XXXX XXXX accurate when reporting on my credit report. I checked my credit report today and noticed that account below is not XXXX XXXX accurate between the different bureaus XXXX account number XXXX is reporting date last active XXXX with XXXX and XXXX with Experian. It also says last reported is XXXX with XXXX and with Experian it is last reported XXXX. It also says date of last payment is XXXX with XXXX and with Experian is say date of last payment is blank with a line. All of these items of information is found to inaccurate are reporting inaccurate and not XXXX XXXX accurate reporting on my credit report. 

XXXX XXXX account number XXXX is reporting date opened XXXX with XXXX and with Experian is reporting date opened XXXX. It is also reporting date last active is XXXX and the last reported is XXXX and the account is charged off as bad debt with profit and loss with XXXX and with Experian it reporting date last active is XXXX. This item of information is found to be inaccurate between the XXXX bureaus and not XXXX XXXX accurate reporting on my credit report. Also this account is showing a balance of XXXX and last reported XXXX and last active date again was XXXX. 

They have violated my Consumer Rights under 15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 US Code 1681s-2 Responsibilities of furnisher of information to consumer reporting agencies. 

I also attached of my credit report that shows the inaccuracties that experian have reporting on my credit 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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

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 2022-03-23
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:
Under The Fair Credit Reporting Act : EXPERIAN AND XXXX furnish false/inaccurate/unverified accounts against my wishes, namely : XXXX  # XXXX, XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference XXXX XXXX XXXX Certified Credit Report, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt # XXXX XXXX and Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXXa XXXX and XXXX XXXX XXXX All of these unknown accounts has violated my rights and cause me injury and damages. In addition, 15 USC 1681 section 602 A, states a consumer reporting agency can not furnish an account without consumer 's 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 2019-05-24
Company: EQUIFAX, 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:
Equifax and XXXX  are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 8, 9, and 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i've noticed over the last several months my transactions are not adding up to the amounts missing i calculated each transition and thousands are missing compared to the amounts paid each month with chime bank or XXXX XXXX  i believe there's someone taking my money each month and making me think i've spent it but when u add charges its no were close to amount deposited there's no fraud charges no record just money disappearing from account please help its over XXXX over the last year

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 received a copy of my credit report and am disputing some items that need corrected. The reasons why these items should be corrected are indicate below : REASON FOR CORRECTION : Item # XXXX : This collection is from a furniture store located in Texas. I have never resided in this state. This debt needs to be deleted. 
According to the provisions of the Fair Credit Reporting, these disputed items must be reinvestigated or deleted from my credit record within 30 days, but the credit company that is TransUnion has not sent me an answer and it's been more than 30 business days.

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 2018-03-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing is foreclosing on my home. Over the years I have been unable to find the Noteholder/owner of my home. Over the past few years I have hired 2 attorney companys to try to get me a modification the last being bloom law group. SPS had stated that XXXX was my noteholder/owner of my note. I applied for a modification with the help of XXXX XXXX XXXX who I paid over {$6000.00} and SPS declined my modification application saying XXXX XXXX the investor had said no. So I went to XXXX XXXX executive office and was told they did not own the loan and was asked to leave. XXXX stated XXXX XXXX  owned the loan.. I contacted them and they sent me 3 letters saying they did not own the loan. They said XXXX XXXX XXXX XXXX XXXX did. I have 3 emails from XXXX XXXX  XXXX stating they do not own the loan. I requested repeatedly to SPS the current deed of trust assignment and have attached what they sent me which is fraudulent. XXXX paid {$10.00} for my {$300000.00} home. they did not send me the fraudlent XX/XX/XXXX filing. The deed of trust of XX/XX/XXXX was backdated and fraudulently signed with no assignor. This forclosure says it was a Jp chase, XXXX  XXXX XXXX XXXX XXXX  for XXXX XXXX asset backed securities trust XX/XX/XXXX asset backed certificates series XX/XX/XXXX. I have asked repeatedly both written and verbally for the paper trail to this loan and only received these 2 fraudlent papers. The loan originated with longbeach mortgage went to wells fargo to Washington mutual to bear sterns and sold to a trust. We have hired a forensic mortgage examiner and they have documented all the fraud. We went thru the mortgage modification process and were denied saying that XXXX has said NO. They don't own it. We are currently going thru another mortgage modification process with this foreclosure hanging over our head. We Just want to save our home, The loan was sold to a trust and none of the companies involved are currently in business. XXXX XXXX XXXX has filed false foreclosures on my home in the past and continues to try to foreclose with false documents also and no offer of mediation which Oregon requires. We just want a loan modification without all the fraudulent servicing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: MOHELA
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received documents from Mohela stating that enclosed is the information that I requested. I previously filed a complaint XXXX and which I included documentation of my request to Mohela that was sent certified requesting a contract bearing my signature in wet ink. I first received documentation from them stating that I took a parent plus loan out showed my daughter school as the school I received a loan for. The date that my named was typed was XX/XX/XXXX. However I did apply but was denied on XX/XX/XXXX due to having adverse credit. So how can I have applied and type my name on XXXX XXXX if I was already denied on XX/XX/XXXX. I also a couple days later received another package with documents now stating that its my debt. As I read over the documentation that is still not a contract bearing my signature in wet ink where I agreed to pay a debt owned to Mohela. I read that some of section one may be completed for you. Because I was denied on XX/XX/XXXX for the Parent plus loan that they are trying to say I own but yet send me documentation with my name typed on XXXX XXXX someone other then myself filled that information for me. I have not giving anyone permission to type my name of fill out any form for me. A couple days after I received the first documentation from Mohela I received another package now saying that the debt belong to me. So I am now feeling like Mohela is pulling my Information from somewhere and sending documentation that are false. I still have yet to receive a contract which bears my signature to validate that I agree to pay a debt to Mohela. I received another corespondent on XX/XX/XXXX stating they have enclosed a Promissory Note that I signed on XX/XX/XXXX which again my name is typed. Anyone can type my name. 

Signature-a person name written in a distinctive way. 


Mohela have failed to provide me with the requested validation that I have requested a month ago. 
Mohela is in violation of 15 U.S.C 1692q. 
15 U.S.C 1692j ( a ) ( b ) 15 U.S.C 1692d 15 U.S.C 1692e Mohela keep sending all these correspondences but yet have sent anything that validating the debt. As a consumer I have rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As the attached screen shots from the Bank of America website show, I scheduled the mortgage payments in late XX/XX/2020 for XXXX XX/XX/2020 and have sufficient funds in the checking account for those payments. 

However, as of XXXX XX/XX/2020 BoA has not properly credited the payments. In my opinion, this is simply part of BoA 's consistent policy to provide poor service and then assess 'fees ' so they can steal, in my opinion, money from the customers. 

I would NEVER willingly do business with BoA ; BoA bought these mortgages and I have NO RECOURSE other than expensive refinancing to get rid of them. 

I've paid mortgages on my homes and rentals for over 40 years and the trouble I've had with BoA in the few years they've 'serviced ' these mortgages is greater than all the problems in the past 40 years. 

In my opinion, many of the senior people should be thrown in jail.

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 2023-09-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
WRONGFUL ACCOUNT REPORT ON CREDIT 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