BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: SECURITY FINANCE CORP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I I call maverick finance and explain that I did not open this account. They said theres accounts open online. I told him that I didnt open it..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: CA
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:
Equifax had a data breach and I have inquires on my report that were not allowed by me and they will not remove them as well as other negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage companies are not honoring contract n misapplying payments for 17 years and refuse to correct principle amount due. Refuse to acknowledge fee paid at closing to lock interest rate. 

Also refuse every dispute i file with credit reporting agencies. 

Would like some help with this. 
I shouldnt have to file suit in court to get them to do their job n fix their mistakes of misapplied funds over 17 years.

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 2024-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
My credit union would not cash the travelers checks. Called XXXX XXXX who recommended a bank on their web site which was XXXXXXXX XXXX ( old XXXXXXXX XXXX ). Went to a local XXXXXXXX XXXX who said they could not help me. They did, however, recommend Bank of America down the street. My travelers check were issued by XXXXXXXX XXXX  that was bought out by XXXX XXXXXXXX XXXX which was bought out by Bank of America. My visit to Bank of America resulted in no help and no answers as to how I could cash the travelers checks. They recommended a US Post Office. I went to a major local post office with supervisors and managers, but they said they could not help me ; no do not cash travelers checks although the Internet says they do. 

Now I am stuck with travelers checks that " Never Expire '' that no one will take nor even tell me who or where the escrow funds are kept. It seems that the banks have absconded with the money. Question is, which one.

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 2023-08-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Southwest Credit systems reported a collection account on my credit report for {$730.00}. The original creditor is reported as XXXX XXXX. I was not aware of this account. This is fraudulent account. This may be linked to another fraudulent account opened under my name with XXXX as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2015 XXXX/GATEWAY LENDING issued a fraudulent loan in my name with my personal information. I have alerted them that the account is fraud and provided them with identity theft documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a conventional refinance in XXXX of 2020 with Loan Depot The companies ratings are fair at best, but seemed to be good with customers with good credit score wanting a conventional refinance We talked to the loan representative and gave them all data required to process loan. 
Then we downloaded all documents requested immediately. By the end of XXXX rep is telling us all is a go and the loan is in underwriting. Should be processed in a couple days and then ready to close by beginning of XXXX Come mid XXXX it's held up because of trust. From then on the company kept giving excuses and each department couldn't give any information. Now end of XXXX loan going well should close by end of month Loan rep says they re just looking for a notary to finish the closing. 
XX/XX/XXXX nothing. I then contacted 2 people in management. Their now telling me a processor screwed up and they have to send the loan back to the sales team. 
It's now cost me over XXXX dollars because we missed the XX/XX/XXXX refinance date

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: DISCOVER BANK
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 attempted to have the Discover Credit Card account removed from my XXXX  and XXXX  credit profile several times now, with no success ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). However, this is a fraudulent account. I have submitted a copy of the original police report regarding this account to both XXXX, XXXX, and Discover, but is disregarded in its entirety ; by each company. Further, the fraud and/or identity theft is still being investigated by the XXXX County Police Department ( NY ). I would like to have this item removed from my credit profile completely. Prior to this instance, an auto loan, not opened by me, appeared on my credit profile. XXXX  and XXXX  were able to correct this issue, but not the current one with Discover. Also, Discover has sent me a letter acknowledging that the account is considered invalid. Why the account remains on my profile remains a mystery to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g I clearly sent, '' Equifax Information Service LLC. '' A Cease and Desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws.Pursuant to 15 USC 1681. I the consumer have 30 days to a reinvestigation. I am submitting this complaint to make sure I receive my proper investigation within these 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands

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 2021-09-06
Company: Byrider Franchising, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with CNAC/XXXX  / J.D. BYRIDER. I have always made my payments on time. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY REPORT IMMEDIATELY. 
CNAC - XXXXBalance $ XXXXDate Opened : XXXX XXXX, 2017 CNAC/XXXXXXXXBalance $ XXXXDate Opened XXXX XXXX XXXX, 2017 J.D. BYRIDER-Balance $ XXXXDate Opened : XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
This is a clear inaccuracy and a clear violation against my rights, Please take this off from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, this is not right at all what youre doing!

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: FL
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 Report ID # XXXX I contacted Experian in XX/XX/2023 and XX/XX/2023 to dispute the items directly online. Some of the items are unable to be disputed online. 

XX/XX/2023 : I contacted Experian via USPS mail requesting to dispute and update my name, address and social security number. I provided a copy of my state id and social security card. The following information below : Name ID # : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Address ID # : XXXX, XXXX, XXXX. 

In XX/XX/2023 : I disputed an account in collections as it is not mine and belongs to someone with a similar name. I provided Experian with the proof of my identity, as well as the insufficient verification documents provided by the collection agency. The collection Agency did not verify the account ownership. They sent me a copy of the credit card statement, which does not prove ownership. Therefore, Experian should be required to delete the account. 

In XX/XX/2023 I provided Experian with a copy of my social security to confirm my identity and delete the XXXX social security numbers currently listed on my credit report. What is currently listed belongs to my XXXXXXXX XXXX children. 

I have attached a copy of my social security card, my state identification, a copy of my experian credit report with the incorrect information and a copy of the verification documents I received after disputing the account in collections directly with the current servicer.

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 2020-12-14
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope you are doing well as I write this. I'm writing to let you know about something that's on my credit report. I recently discovered late payments on my account after looking through my credit report. I think there might be a mistake in the reporting, and I'm asking for your help to fix it. 
I understand the importance of maintaining an accurate credit history, and I am committed to ensuring that my credit report reflects my financial behavior accurately. However, I am concerned that these late payments are negatively impacting my credit score and my ability to access favorable financial opportunities. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the XXXX XXXX XXXX customer service representative. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or an XXXX XXXX customer service representative. 
I kindly request that you investigate this matter and, if possible, remove or rectify the late payments from my credit report. I have attached supporting documentation, such as payment receipts and bank statements, that demonstrate that the payments in question were made on time.

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 2020-12-14
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am enrolled in the public service loan forgiveness program. In order to do this, I consolidated my loans into the federal direct loan program in the fall of XXXX and have been certifying my employment as a social worker along the way. My letter stating my date of eligibility for loan forgiveness has a portion of them eligible XX/XX/XXXX, but then has another portion of them due for forgiveness in XXXX. This does not make sense as the loans were all consolidated at the same time. I informed my loan servicer ( myfedloan ) over a month ago and they sent it to the Department of Education for manual review, however, there is no response yet and no clear time frame of when there will be a response. Please note that this issue seems to be with getting a response from the Dept of Education and not the loan servicer themselves - the options from the first screen do not quite capture the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i had barclays card and there was an auto repair purchase on there that I disputed becuase the repairs weren't done correctly and my car still didnt work Barclays gave me the money back then took it back and gave it back to the shady mechanic

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 2023-08-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was the victim of the XXXX scam, On XX/XX/2023, I was trying to sell my TV on the XXXX XXXX, someone contacted me and said interested in my TV, and he called me through XXXX XXXX asking to check my email to see whether I received my XXXX payment, the email showing it's from XXXX XXXX and saying that crediting XXXX dollars failed because he was sending from XXXX XXXX account to my personal account, he was " deducted '' XXXX dollars, and asked me to XXXX him XXXX dollars as refunding, I was cheated and XXXX  him XXXX dollars to his account XXXX XXXX XXXX, then I was got another email from XXXX pay saying that Final steps to follow : 1. Get your XXXX account Ready. 
2. Ask for the XXXX  details from the buyer. 
3. Send the total of {$200.00} USD from your account to the given account. 
4. You are required to send us clear proof ( screenshot ) that Payment has reflected to your buyer account. 
He then asked me to XXXX the {$200.00} to the same amount XXXX XXXX, which I did. 
then I received another email from XXXX pay saying : " The {$200.00} USD you sent earlier is still on pending review and didnt go through. You have to send the {$200.00} USD to your buyer XXXX  information so we can approve the transaction and deposit into your accounts immediately. We would refund the {$200.00} USD you sent earlier once you send the extra {$200.00} USD to your buyer XXXX information for us to approve this transaction. 
We will credit your account with the total of {$850.00} USD once you send the extra {$200.00} USD to your buyer XXXX information. " You can use any payment method to make the payment. 
Then he cheated me to pay this {$200.00}, I used XXXX transferred from my Chase account to XXXX XXXX XXXX CA XXXX XXXX dollars, and used robinhood and paid him XXXX dollars bitcoin. 
I was later cheated by him to XXXX another {$290.00} to his account XXXX XXXX. 
In total I lost XXXX dollars from my Chase checking account. I called police same night, she asked me to contact Chase bank, second morning I called Chase, they don't think they are responsible for this scam. I am now helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I requested a replacement card for my HSBC credit card which has a {$3200.00} credit limit at the beginning of XX/XX/2020. 

Shortly after I received the card I received a letter showing my credit report. 

I did not authorize HSBC to do a hard inquiry nor a soft inquiry on my credit report. 

I did not ask for a credit limit increase nor a decrease. 

Then when I logged on to my HSBC online account, my credit limit was reduced from {$3200.00} to {$500.00}. 

Ive made payments which ranges from {$200.00} to {$500.00} for months and months that brought down my acct balance to XXXX, which means I have built a solid great rapport with HSBC. 

Why in the world would they suddenly decrease the credit limit? 

Its because they pulled my credit without my authorization. They took it upon themselves to do a hard pull without consent so they can illegally justify their action in lowering my credit limit. This is my formal complaint. 

PLEASE HELP. 

Cordially yours, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation