BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 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 2022-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I made a purchase with my capital one debit card on XX/XX/XXXX with XXXX. The merchant claimed they never received my money I contacted XXXX and they told me to contact my card issuer. The only answers they had were for me to file a claim. After filing a claim they reimbursed me, and I made the purchase with the merchant again. Now months later they have reversed the claim and emptied out my debit account resulting in a negative balance. I submitted proof from the merchant that they never received payment and capital one still refuses to open the claim back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2022-11-29
Company: LTD Financial Services, L.P.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
so as of XX/XX/XXXX me and my spouse moved out and finished making our payments as of XX/XX/XXXX. we were not notified that we were being charged for cleaning services they provided. we recently received something in our mail ( sunday, XX/XX/XXXX ) claiming we owe them {$920.00}. we also called a few days prior to our last payment to make sure all we had to pay was the remaining balance of XXXX, and someone by the name of XXXX told us that that was the remaining balance we owed and that everything is going to be settled after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2023-12-05
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/XXXX I stayed on phone with XXXX for an hour and half you could tell she was reading a script she keeps putting me on hold finally told me there were some errors in my account make XXXX payments and it would be in modification. Modification, is changing some part of a situation you are in. Wells Fargo modification shows I have XXXX loan numbers that has not been corrected. Payments keep changing amounts. I was told by XXXX at extension XXXX well I tried to call her on Wednesday to make a payment like XXXX told me to she did not answer the phone or even return my call I started on Thursday to get in touch with her to make a payment. I git XXXX he took the payment got a confirmation number and it cleared my XXXX XXXX  account the next day. 24 hours later on Friday I started calling to make the second payment could not get XXXX that I was told to call got XXXX gave her the payment information asked for confirmation number and she tells me WF does not give confirmation numbers. XXXX gave me one on Thursday, " he did not know what he was doing '' as of XX/XX/2023 the payment has not been posted funds have not been taken out of my account. How can something be so different in 24 hours. told to talk to XXXX not she does not answer and how do I get a confirmation number of funds not withdrawn. Called back on XX/XX/2023 talked to XXXX, was told XXXX was not available he could help, but all he did was read a script by repeating ; himself. I have done everything WF have instructed me to do, however WF has not keep their word on anything they have said other than put my house in foreclosure with a sale date.

WF is discriminating and just like so many other homeowners taken their home, that is what is happening to me.

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 2018-03-08
Company: CONTRACT CALLERS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ruining my credit score! Received a letter in the mail from contract callers stating they are collecting on an account I'm not aware of. I contacted contract callers and spoke with supervisor XXXX XXXX out of XXXX office and he stated that their contract with this company they are collecting for has changed and they are not supposed to be reporting on my credit and they are working on removing all reported accounts by contract callers from thousand of people reports. He ensured me that it will go away as this is not allowed by them anymore. Also they reported to my credit that this is 5 months past due with their company when this is the first letter I received. They also did not give my time to respond before they slammed it on my report. To my surprise two days later they reported to another bureau and lowered that score as well. I want this removed from my credit file as stated by XXXX XXXX on his recorded line. Also they are reporting under two different names. One report says contract callers and the other say XXXX. This to me seems like fraud!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I've been dealing with this issue since XX/XX/2023. Trying to get my funds back, since then I was denied and then reconsidered the claim then got separated, three were found in my favor, I then contacted CFPB to assist in making an effort to reason with Bank of America card holder and still no results, I am unsure how these decisions are decided but I am ready to seek legal counsel? To get this issue resolved? I've given them a police report ive gone inside the bank and sent copies of my social security card, ive even given them a name who I thought it could be that has done this to me and still nothing.

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 2022-03-05
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
SYNCHRONY BANK XXXX XXXX XXXX XXXX BEWARE! 

Back in XXXX, I purchased a new bed with a XXXX XXXX XXXX XXXX credit card from SYNCHRONY Bank. I made ABOVE and beyond the minimum payments, the total financed amount was {$6000.00} I recently looked at my statement and saw that a " promotional '' interest rate had expired which I was NOT made aware of. 

My balance as of XX/XX/XXXX was {$1800.00}. 

In XXXX - I was charged {$3000.00} interest, which brings me back to the beginning of the loan after 3 years. 

I was not made aware of this high-interest rate and feel extremely taken advantage of as a consumer. Customer Service said there was nothing they could do because I was over their " one month '' grace period to dispute the interest. 

This brings my new balance to {$4700.00} after 3 years and FULL ON-TIME PAYMENTS There should be NO REASON a credit card should charge triple the amount owed. 

Beware of this scam to hurt the middle class!

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 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account status and balances inaccurate for Credit Cards - XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  and has not been corrected after numerous attempts.

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 2018-03-08
Company: GATEWAY FIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company was XXXX XXXX Loan officer XXXX XXXX He told me on since before XX/XX/XXXX that I had been approved for a {$120000.00} at a 3 % interest rate. He had all of my info I had filled out an application and all. On two separate occasions I did a inspections on houses thinking that this process would work. The most recent was XX/XX/XXXX he told me everything with the loan good to go that I could continue with an inspection on the house. I signed a contract with the owner of the house stating the XX/XX/XXXX would be our closing date. I paid {$350.00} for an inspection and {$50.00} for a reinspection. I paid my escrow and found insurance for the house all under his instructions. He told me he ordered an appraisal around XX/XX/XXXX no appraiser ever contacted my realtor to make an appointment he said he cancelled it and ordered another one through another company around XX/XX/XXXX again no one contacted us so he said he switched the company for a third time and had an appraisal scheduled for XX/XX/XXXX the closing date. On XX/XX/XXXX I received multiple messages from him asking be for multiple documents I had already sent him drivers license, social security, insurance info, proof of employment, exc when he sent me the documents it was another application my husbands info was all wrong the closing date was wrong and the loan amount and interest rate was wrong. I tried explaining to him the contract ends XX/XX/XXXX and I thought all this paperwork was done. He refused to acknowledge anything I was asking him. I then received the first of any notification saying he ordered an appraisal XX/XX/XXXX at XXXX and said he would have everything done by the following day. I again stated we could not wait because the contract expired that day. He better brushed me off saying I needed to then get ahold of the title company. I tried to get help from another lender after telling XXXX I will no longer need his services and the other lender told me I did not even have a case number. XXXX lied about everything that had to do with my paperwork and loan costing me, the owner and my realtor money and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2023-09-08
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:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-11-29
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:
In accordance both the four credit reporting at the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 US C 1681. 
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 section 602A. states : I have the right to privacy 15 USC 1681 section 604A. states : a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 section C ( a ) ( 5 ) states : no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the records of conviction of crimes with antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.

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 2021-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, XXXX XX/XX/XXXX my checking and saving account was closed without reasoning or a warning.I have never had any problems on my account which would result in my account closing. I spoke with a representative yesterday about my credit which was suppose to be applied to my account due to a claim XX/XX/XXXX and the representative told me they have XXXX business days, which is ok. My concern is that they normally apply credit the same day so I asked a XXXX why they are treating me differently for this particular claim.Today, XX/XX/XXXX they have closed my account without warning or notification. It was not until i attempted to use my debit card did i realize my account was closed. They told me the same unreasonable inhumane quote in a branch and corporate number that they have the right to close my account without warning or this was a business decision because you have the right does not mean you do so. I have never done anything to my account that i do not have the right to do. This company closed my account a day before they where required to initiate a credit for my claim which was a simple debit card claim. If there was anything wrong with a certain account why wasnt that certain account closed? They closed both my checking and saving account. The refused to give me my money at a branch stating i would receive a cashiers check. How am i suppose to eat and survive, with all of my money just taken and frozen? When will i receive my money? No information was provided to me. I am a XXXX XXXX XXXX hours away from home, for them to take my money with no explanation is very unethical. I have all of my money from other institutions pending deposit at Bank of America I will XXXX extreme hardship for months if this isnt handled. I will do whatever is needed to obtain a lawyer due the unfair practices used in closing the account if this situation can not be fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 2020-04-08
Company: Experian Information Solutions Inc.
State: MS
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 tried several disputes with the credit bureaus about late payments, and collection accounts on my credit report that is inaccurate or not mines. I have ask them to validate the accounts with written signatures stating that I own the accounts and they have fail to do so. 
The accounts are : XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX  XXXX XXXX Credit Card US Bankruptcy which I have never filed Bankruptcy.Filed in XXXX Collection account XXXX XXXX  which is not mine this fraudulent account was open in XXXX. 
XXXX XXXX  XXXX Open in XXXX balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Open in XXXX XXXX I have made several attempts on getting these account removed and nothing has happened.

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