BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX our accounts were closed out for my minor daughter student joint account and saving because of some kind of electronic check deposit into her savings account. I called Bof A over 12+ time to indicated was fraud we have no knowledge of what check and wanted to get more info and see how they were going to assist us as the victims but they treated us like complete criminals. Bank of America gave me the runaround for several days including today. final i was able to file a fraud case with Bof A and the case # XXXX was closed out the same day with no resolution. i file other complaints with Bof A with no resolution as well. XXXX and XXXX. no response at all i even went in to the branch to indicate i filed a police report and did some research etc. they didn't care indicating we can open another acct until XXXX. 

I filed a police report because BofA sent a Copy of the check that went into the acct. the check did not come to us we did not physically receive it and it went into her account fraudulently, electronically and electronically signed the signature is not her she is a minor she does not have access to that kind of money $ XXXX, and the money does not belong to us. and Bank of America refuses to help me and all they do is just keep transferring me around I get different stories from everybody every time I call. this doesn't make any sense this affected her direct deposit from her job XXXX 's where she makes under {$300.00} cuz she's a student and then we had to wait several days and figure out how to pay ck cash her check. None of my calls are documented and each representative gives me a different story they are handling fraud cases like they're just there to collect a paycheck and not do any work on fraud. 

my police report # is XXXX, they took copies of the docs from Boa A, on XX/XX/XXXX. XXXX XXXX XXXX XXXX the XXXX police dept # XXXX XXXX  XXXX, fax XXXX email XXXX. 

FDIC regarding your banking concerns on XX/XX/XXXX. Your case number is : 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 2019-01-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I apply for a loan online through a online service. which I was pre-approved for OneMain Financial said that I was eligible for the loan and the loan amount I was asking for. they pulled my credit and asked me to come into office to complete my application and sign documents at that point I asked was I approved for the loan amount that I was asking for but I was told she needed to see papers first and for me to come in I declined and canceled the loan a couple of days later after realizing I took a big hit to my credit score and was unable to refinance through other companies because of the score I decided to go back to OneMain for more questions about the big hit on my credit score and to complete the application but was told that they needed to pull credit again I said I  needed to think about it a couple of days go by the lady calls me from OneMain Financial and asked me what did I decide again I told her the amount I was asking for and was it worth it for me to pull the credit again she told me that she couldn't tell me to pull it or not it was up to me so I told her how much I was asking for and she pulled the credit and told me that I was approved and to bring in some documents of proof of finances and a bank statement which I brought in to find out that I was not approved for the loan amount I was asking for and when I brought that up she just said do you want the loan for the lesser amount or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Year XXXX. My XXXX XXXX created a wells Fargo account in my name and stole {$5400.00} out the account. They wouldn't even refund my money after I provided proof of identity and provided proof from the IRS. 
Year XXXXXXXX XXXX XXXXXXXX the bank said I was approved to open a bank account but when I went to a branch to open an account I was unable to. And the company didn't even explain why all this happened. Nor did they attempt to investigate the situation.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is 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 companywithout 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 this account. 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 reportsno consent is fraud. Please remove this fraudulent account : XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/2022 Balance : {$450.00}

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 non-monetary relief
Consumer complaint received 2020-03-31
Company: SUCCESS MORTGAGE PARTNERS, INC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were in the process of selling our home and purchasing a new home. We were set to close on XX/XX/XXXX. The mortgage broker, Success Mortgage Partners , Inc., already gave us final loan approval. The property appraised over purchase price. We had the home " tied-down '' to code to qualify for the conventional loan. The tie-down cost us {$2900.00}, plus the engineer report at {$350.00}. 

The mortgage broker called us today to inform us that because we were purchasing a manufactured home, the " investors '' were no longer going to honor the loan. They completely backed out of our agreement and we are now left to find another lender with closing scheduled on XX/XX/XXXX. 

We have to move out of our current home by XX/XX/XXXX. Because of the mortgage broker 's decision to breach the agreement between us and them, we now do not have a lender and if we do not get another loan, we will not have a home as of XX/XX/XXXX. 

After speaking to the mortgage broker 's legal department, we were informed that they would not release to us the name or entity that was the " investor. '' They refused to supply us with the contract between them ( broker ) and the " investor. '' They also did not tell us under what legal authority their decision was grounded upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Aargon Agency, Inc.
State: IL
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 company has failed to respond with the dispute validating or verifying any information. A bill doesn't constitute proof of a debt. I asked for specific information that they failed to provide. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 


Furthermore I have been in contact with the original creditor who has provided different information not matching what limited information they did send. The debt isn't even with their agency.

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
TransUnion and XXXX have both removed XXXX XXXX  accounts from my report of a balance of XXXX they both have removed the balance and remarks from company and its documented to place the accounts back on my reports with more remarks after being closed and removed to be reopened and placed back on my report with late payments which is directly in violation of consumer protection laws!

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 2023-12-19
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The negative items displayed in your files does not meet FCRA reporting requirements. I donot recognize how and why the negative items is reporting please delete immediately. I never received a written notice of debt validation letter from anyone. I donot recognize how any of these negative accounts are reporting on my credit report. I donot recognize the account numbers I donot recognize the account status I donot recognize the accounts high balances nor do I recognize the late payments anything negative reported does not meet the FCRA requirements. The dates, amounts and accounts differ on all three credit reporting agencies. And all three agencies report inaccurate personal information my name is XXXX XXXX I only have 1 name not 4. I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any other address on my credit report is inaccurate. I would like for you to delete the negative items immediately as well as the inaccurate names and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Progrexion Holdings, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/2023 I was sent a 'welcome ' email from credit.com which also prompted me to set up a new password.

I reached out to credit.com support email with the following message : " I don't know how this account got created, nor did I consent for an account to be created for me and use all the personal information you have about me. '' After several back and forth emails ( currently the chain sits at 23 ) over the course of weeks, credit.com first refused to remove my account, then claimed the account would be removed within XXXX business days, and now refuses to answer the emails I have sent notifying them that I am still getting their spam messages ( and therefore the fraudulent account data still exists within their system ). 

Today I was also notified that a fraudulent checking account at XXXX XXXX had been opened with my name and information attached. I don't know if the fraud maintained at credit.com is associated with this new identity theft, but the refusal of credit.com to remove my information after repeated requests could have led to this disastrous outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: STERLING JEWELERS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not used my credit since 2017 I have a police report about stolen mail the person got arrested

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2020-03-31
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I noticed on my credit report a collection notice from CREDENCE RESOURCE MANAGEMENT for a XXXX/XXXX XXXX XXXX charge that I did not recognize. I contacted Credence about this charge they said it was about a XXXX   account ending in XXXX, which to my knowledge was paid in full. I contacted XXXX  and found that the amount that credence resource management was claiming was already paid in full, and should not be reporting any owed debt. 

XXXX / XXXX  ACCT # XXXX paid in full with payment : CONF # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello once again I was trying transfer my funds off the account and PayPal the amount of {$120.00} and basically is holding my money I called XX/XX/2022 and they kept making excuses putting me on hold and kept saying its there security system but there not giving me a reason why the transfer wasnt going thru they literally do this everytime and tried maker send money to a unknown PayPal XX/XX/2022 now Im on the phone with them they have been nun but rude slamming the phone cause Im asking questions then literally catches a attitude so at this point I want my money and really want to sue this company they literally keep telling me they dont a solution and dont know what to do so now I want my money of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2020-02-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following not metro 2 compliant accounts should be removed : Creditor : XXXX XXXX, XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Clarity Services
State: MO
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:
Theres multiple inquiries from clarity services incorporated in XXXX Florida that keeps putting hard inquiries on my credit report. They continue without my authorization or my consent. I dont even know who they are ... and I want them removed immediately. I've called via phone already awhile back and there continues to be added and unauthorized hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: GA
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 is 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 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following not metro 2 compliant accounts should be removed : Creditor : XXXX XXXX, XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2021-03-01
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX, with an address of XXXX XXXX XXXX XXXX XXXX, Colorado began contacting me on XX/XX/2021 regarding debt that a company I am part of owes, and has been making payments on for 9 months. 
On XX/XX/XXXX, during the first phone call they made to us they were informed that we already had an payment arrangement with American Express, and had paid off more than {$45000.00} of an original {$60000.00} balance in a span of 9 months. 
The gentleman representing himself as a lawyer, stated multiple times that he was a lawyer, that we were lying, and our only option was to work with him. 
He was instructed not to call us again, then we disconnected the line. 
Between XX/XX/XXXX, and Today XX/XX/2021, XXXX XXXX XXXX has called us 17 times that we are aware of. 
Today, we answered the call, essentially had the same dictation that was had during his first phone call. 
Again, We instructed him not to call us anymore, and that we were paying American Express Directly. We also informed him that we would be reporting his harassment. 
We possess a signed agreement from American Express clearly stating our payment arrangement, and have been making payments toward the debt owed long before anyone from this office contacted me.

Company response to consumer: Closed with explanation