BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: FlexShopper, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I settled a debt with a 3rd party company ( XXXX and XXXX XXXX ) for money I owed to FlexShopper. It was done. Completely settled. Several times this year between XX/XX/XXXX and now I have gotten numerous phone calls and even text messages stating I owe them MORE than the original amount and that I never paid a settlement. I have emailed my letter of payment and spoken to a lot of different workers. I have begged them to update their system and to leave me alone. Today, XX/XX/XXXX I got another text about the debt and once more its more money than I owed. When the debt was settled I originally owed {$500.00}, now they claim I owe {$540.00}. I paid this in settlement and I need them to go away and leave me alone. No one seems to want to listen to me at FlexShopper, even after emailing proof and calling the 3rd party company, so maybe this will work.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
What happened here is that First National Bank of Omaha wronged me as a customer by violating the terms and conditions of my personal loans agreement. Back in XX/XX/XXXX Ive signed a XXXX personal loan agreement with First National Bank of Omaha XXXX FNBO ) for {$3500.00}. Ive signed up for automatic ACH payments on my account, which made automatic payments to principal and interest at a cost of {$91.00} per month. The first such payment occurred on XXXX XXXX, XXXX. The final payment should have occurred on XXXX XXXX, XXXX, under the terms and conditions of the loan agreement. But FNBO breached the contract by extending the loan term without my consent beyond 48 months. Theyve sent me a XXXX billing statement saying I owe XXXX cents on the loan. An automatic payment of XXXX cents is scheduled to occur on XXXX XXXX, XXXX, and FNBO is still reporting my loan account as active to the national credit reporting agencies. My problem here is that I should have never been sent a XXXX billing statement demanding more payments, and FNBO shouldnt be attempting to collect a XXXX payment from me as it violates the terms of the XXXX loan contract. FNBO deceived me and gave me the false impression that they would report my loan account as paid in full once Ive made XXXX on-time monthly payments. But my personal credit monitoring service records show my FNBO account remains active with XXXX years and XXXX month as an FNBO personal loans customer. My status as an FNBO customer should have ended in XX/XX/XXXX with the XXXX payment that contractually was supposed to be the final payment. Ive contacted XXXX on XXXX XXXX, XXXX, voicing my complaint and requesting they rescind the XXXX billing statement and waive the XXXX fee. The individual named XXXX said he could only convey my complaint to his XXXX. So XXXX making this CFPB complaint to report FNBOs unfair and deceptive trade practice. The fact that XXXX is charging me XXXX cents toward principal in a XXXX payment suggests theyve unjustly enriched themselves. Their calculations for the loan amortization harmed me as a customer for their own gain. They shouldnt be allowed to get away with this blatant breach of contract, and the damages theyve inflicted upon me is greater than XXXX cents. XXXX demanding justice and accountability. Thank you for taking my 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 explanation
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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 looked at my consumer report and noticed these unauthorized inquiries. I gave no one permission to view my report. There was no permissible purpose written to these companies. Companies are as follows : XXXX XXXX XXXXI Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX, XXXX ( XXXX ) XXXX CAPITAL ONE XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: WA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with Fair Credit Reporting act XXXX Account was open XX/XX/2022 auto loan is report a late payment, that has violate my rights and that is wrown. 15 U.S.C. 1681 Section 604 A 2 IT ASLO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A WITHOUT MY WRITTEN INTRUCTION, can u take that from my credit please. Also have a bunch of inquiries is no my pleases take that out of my credit 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 non-monetary relief
Consumer complaint received 2019-07-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
The Chase bank checking account XXXX was closed on XX/XX/2019 by my written request to the account officer XXXX XXXX , and she alleged it was done. 
But there were several unauthorized withdrawals totaling to {$670.00} from the closed account after XX/XX/2019. 
Chase bank even allows the funds to be withdrawn and proceeded to impose the payment on me. I sent Chase bank letters on XX/XX/2019 and talked to the account officer Mrs XXXX XXXX on XX/XX/2019 to demand corrections however the matter was neglected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been working with all three credit bureaus. I have sent a copy of my FTC report and all the proper docs that they ask for i am a victim of 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 explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX, Transunion, and XXXX are all third parties. I was not told that my nonpublic personal information would be given to a third party, nor was I given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, nor was I given an explanation of how I, the consumer, can exercise the nondisclosure option Per 15 USC 6802. While looking at my credit reports I found that XXXX XXXX XXXX XXXX  account ending in XXXX, the XXXX XXXXXXXX account ending in XXXX, the XXXXXXXX XXXX account ending in XXXX, and the XXXX XXXX XXXX XXXX  account ending in XXXX all have my transaction history listed. Per 15 USC 1681a a consumer report DOES NOT include any report containing information such as transactions or experiences between the consumer and the person making the report. Also the accounts from XXXX XXXX XXXX ending in XXXX and XXXX, along with the XXXX XXXX XXXX XXXX account ending in XXXX and the XXXX XXXX XXXX card services account ending in XXXX have all been charged off. Per topic no. 431, canceled debt on the irs.gov website if your debt is canceled, forgiven, or discharged the amount of the canceled debt is taxable and you must report any taxable amount of a canceled debt as ordinary income. Which means that charge offs are counted as income and income SHOULD NOT be reported on a credit report. Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

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 2022-10-20
Company: EQUIFAX, INC.
State: WA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Ability Recovery Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts appearing on my credit report are fraudulent : XXXX XXXX {$1200.00} XX/XX/2021, XXXX XXXX  {$2000.00} XX/XX/2021, XXXX XXXX {$61.00} XX/XX/2021, ABILITY RECOVERY SERVICE {$1400.00} XX/XX/2021, XXXX XXXX XXXX {$640.00} XX/XX/2021, XXXX XXXX XXXX {$930.00} XX/XX/2021.

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 2020-07-13
Company: Experian Information Solutions Inc.
State: AR
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 informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible

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 2023-01-24
Company: EQUIFAX, INC.
State: MD
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:
Ive been a victim of identity theft and several accounts have been open by someone who stolen my identity, the account are XXXX in the amount of {$750.00} opened XX/XX/18 and XXXX {$3000.00} opened in XX/XX/18 I reported the accounts to the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: NC
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 filed a FTC report on fraudulent activities that have occurred on my credit profile more than 45 days ago and I have yet to get a response from the bureau on the results and they have not fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: AmeriHome Mortgage Company, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/2020, my mortgage at XXXX XXXX XXXX XXXX was purchased by AmeriHome Mortgage. The balance and escrow accounts were not transferred correctly, and AmeriHome Mortgage now shows that I owe approximately {$60000.00} more on my mortgage than what I had paid to XXXX XXXX XXXX XXXX. The escrow account reflects a balance roughly {$3100.00} less than what I paid in to XXXX XXXX XXXX XXXX. It appears that additional principal and escrow payments that we made ( above and beyond our monthly mortgage payment ) to XXXX XXXX XXXX XXXX, did not get transferred over to AmeriHome Mortgage. I am getting the runaround from both banks, and no one seems interested in aggressively tackling the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
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:
I have requested removal of an unverified debt multiple times and have not received any documentation or proof of the alleged debt. XXXX XXXX XXXX is reporting a collection account on my TransUnion credit report in the amount of {$2100.00}, yet has never provided any verification or validation of the debt, nor responds to my requests for information on the debt. The account was investigated and deleted by XXXX  and XXXX, yet continues to be inaccurately reported TransUnion. I have mailed validation request letters, along with copies of the deletion by the other credit bureaus, to TransUnion directly on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they refused to provide me with any documentation showing they have investigated and verified the account. I have also requested validation of the debt directly with XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX but have received no response. This is a clear violation of my rights under Section 611 ( 5 ) ( A ) of the FCRA and the account must be deleted from my credit profile in order to accurately reflect my true credit history.

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 2018-09-07
Company: Experian Information Solutions Inc.
State: FL
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, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its  validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-07-20
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a XXXX Account with Synchrony Bank for my XXXX account. The Maximum Balance was under {$5000.00}. My purchases from XXXX increased for a period of time, as I was making purchases for my grandchildren. The benefit of the card was that I could accumulate 5 % in points for each purchase. I found that I had to make payments on a more frequent basis than once a month to maintain the ability to add additional purchases and points. I did request an increase to mitigate the issue and was denied due to lack of history. 

Never in the period in which I had the card did I get behand in payments or make payments that were rejected. The Bank was not forthcoming with any options or information. I was not immediately notified that the account had been closed. I only found out when I checked my account status. A week passed before I received a letter stating that account closure was made due to possibility of future intention not to pay. 

Associated with the XXXX closure, the bank also closed two other credit card accounts ( XXXX XXXX and Carecredit ) for the same reason. In ALL cases, payments were made well in advance or on-time and purchases were normal. 

In my opinion, the closures were precipitated by the use of the XXXX credit card, which accumulated points valued at closure close to {$1000.00}. The bank had closure as a convenient method to default on the points, as account closure automatically resulted in cancelation of the accumulated points. I suspect that the bank had " gotten in over its head, '' with this benefit, as the XXXX card recently ended rewards.

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 2019-12-11
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation