BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that it will be removed from my credit 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 non-monetary relief
Consumer complaint received 2023-11-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea why this company had the authority to post on my credit report with no clear details about what it is about and why are they posting on my account. I never had an account with them. 
And they have the audacity to back date it to XXXX?? 

I am a victim of identity theft and investigation is still underway. 
XXXX confirmed creditors will not be able to impact my report nor post on it. And they will inform the other XXXX agencies. 

However, this synchrony bank not only impacted my credit score they also predated the amount. With no clarity on who they are and why they are posting anything without permission at all. 

My identity is verified over and over, in great, it these hackers, bad businesses, random accounts and creditors are able to modify and manipulate anything to steal my money without so much as a notification sent 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 2022-04-12
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My mom and I have just recently read about the Bank of Americas violation with double charging our accounts! If the bank had been doing this for some time ( more than a year ) then how do we know how gradually we were affected?!! The double charging of a transaction takes place if there are insufficient funds to cover that expense and this has happened numerous times to me so that means, unaccountably, the Bank Of America removed extra fees from my account. In the article by XXXX it states that If you think youve been affected by the double-charging-of-fees violation or the fake account violation, you dont need to take action to receive your payment, according to the CFPB. 
The onus will be on Bank of America to send payments to anyone who is eligible. The bank will either put funds into your deposit account or will send you a check. so I am here on behalf of me and my mother to submit a complaint and see our eligibility.

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 2022-04-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2023-01-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicer was changed effective XX/XX/XXXX from XXXX to SPS but XXXX XXXX XXXX XXXX is the actual mortgage company. On XX/XX/XXXX, The Maryland HAF program sent a payment in excess of {$15000.00} to cover my back mortgage payments under a grant program. These funds have not been applied as of yet and I continue to get of the foreclosure notifications from them as well as outside entities, both phone calls and mailings. My last follow up with them was XX/XX/XXXX in which the representative stated that they've identified the funds and they should be credited on XX/XX/XXXX however this has not been done. I have also not been permitted to make loan payments which concerns me as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have numerous fraudulent charges on my child support account. The fraudulent charges in the month of XXXX have taken all the money that was deposited. I have called Eppicard customer service 6 days in a row, all this past week, to speak to someone regarding these charges. No one ever answers the phone. Since I have reported my card stolen, it has been deactivated and now I can not even access the phone assistance to try and speak to a human. I am missing $ XXXX out of my son 's child support and no one will answer a phone to help me. This is the worst customer service, especially on a financial side, that I have ever had to deal with. It is unacceptable. If they don't have enough people to man the phone lines, they should provide an email address or form to fill out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: AMERICAN INTERNET MORTGAGE
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am an XXXX XXXX service member in the United States XXXX XXXX. Recently, I was approved for retirement with a retirement date of XXXX XX/XX/XXXX and have planned on moving from my last duty assignment in XXXX  to a new location for post-retirement employment with the Federal Aviation Administration in the XXXX XXXX area XXXX I am approved to move and seek employment anytime after XXXX XX/XX/XXXX, which is my terminal leave date. As part of this retirement process, my spouse and I entered into a contract to purchase a home in XXXX XXXX on XXXX XX/XX/XXXX. To support the purchase of a new home, my spouse and I applied for a mortgage with Aimloan. I disclosed to Aimloan that I was retiring from military service and provided them three ( 3 ) different documents to substantiate my current income and future income. 
1 ) Two pay stubs from my current XXXX XXXX military service that substantiate my pay until my retirement date of XXXX XX/XX/XXXX. 
2 ) A statement from the United States XXXX XXXX indicating my discharge date of XXXX XX/XX/XXXX, the honorable character of my service, and my retirement pay/pension amount, which commences on XXXX XX/XX/XXXX. 
3 ) A Firm Offer Letter of Employment from the Federal Aviation Administration, which identifies the start date on XXXX XX/XX/XXXX and future salary for my post retirement job. 
Aimloan refuses to use any of these income sources as creditable income for securing the loan. I provided substantiating documentation for all three sources of income. Aimloan ( the lender ) has stated in reply that because I am retiring my current military pay can not be considered as a source of income for the loan application even though retirement occurs three months after the planned closing date ( XXXX XX/XX/XXXX ) on the home purchase. They further state that because I am not currently retired and have not received any pension payments that my retirement pay can not be considered as a source of income for the loan application. Lastly, because I have not started in my new job and do not have pay stubs that the Firm Offer Letter can not be considered as a source of income for the loan application. Aimloan is discriminating against me as a military service member transitioning to civilian life and refusing to recognize my current income and my future pension payments, which is preventing me from securing a mortgage and putting my future employment opportunity in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: ALLIANT CREDIT UNION
State: MT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I acquired a loan on an RV with Alliant Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( Phone XXXX ) in XXXX of XXXX. Since that time I have made XXXX payments on the loan including the latest, XX/XX/XXXX. 

The paper statements I have received for the loan do not seem to accurately reflect what should be paid to principle and interest- they do not follow any amortization table, given the specifics of the loan. 

I have tried repeatedly to contact Alliant Credit Union and have not had any success in getting them to explain to me what they are doing with the payments- except for them to say 'the money is applied to interest first and then any left over is applied to principle '. 

This does not make sense, again, given what the loan interest rate and payback period is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I CALLED XXXX TO UNLOCK MY FRAUD AND FREEZE INSTEAD THEY ADDED 7 MORE YEARS THEY DID IT THEIR PHONE CALLS ARE SABATOSHED. THEY DRIVING ME XXXX INSANE THEY AUTOMATICED DID ON THEIR OWN WITHOUT MY CONSENT. I HATE EXPERIAN ALL THEY DO IS DRIVE PEOPLE INSANE AND CANT GET THROUGH TO THEM THEY ARE VERY WRONG! I WANT MY CREDIT FILE UNLOCKED! THEY DID THELOCK ON THEIR ON THEIR OWN WITHOUT MY CONSENT! UNLOCK ALL MY CREDIT REPORT! WHAT KIND OF BUEREU ARE WRONG!!! I HATE IT IM GOING TO COMMIT XXXX  AND IT WILL BE CAUSE OF EXPERIAN!

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 2023-08-05
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2023 I purchased PayPal PREPAID Mastercard from XXXX in XXXX XXXX. I loaded {$40.00} on at the time of purchase. When I went to activate the card I was told that I was not approved for the card and that I am not able to use the card. I have been dealing with this issue since XXXX, the customer service now just places me on long holds and do not return the phone call. They are rude to me and will not help me in anyway. I have read the cardholder service agreement and there is no reasoning on why I should not be able to activate and use card. it says nothing about being Approved to use card anywhere in the service agreement or advertisement. I want a full refund of the {$40.00} plus the {$2.00} activation FEE in cash. The same way I gave it to them.

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 2020-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX/XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should  redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of  Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

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 2023-08-06
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
For the last week or so, I have been receiving welcome emails from Chime. I deleted them because I believed them to be a phishing scam. I believed this because I have not opened an account with Chime. 
Today, Saturday, XX/XX/XXXX, I received a Chime ATM card in the mail with a routing and account number. I called the Chime help line and received a recording. It said that it was able to pull up my account from my phone number and asked if I would like a call back or to wait on hold. I opted for the call back. A recorded voiced called me and asked if I wanted to call about my account or another account. There is no way to honestly answer that question without agreeing to ownership of an account I did not open and do not want, so I hung up. 
How do I extricate myself from this fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I made a mobile deposit of {$210.00} that was sufficient to cover same day debits totaling {$170.00}. To my surprise, Chase charged me two overdraft fees totaling {$68.00} on XX/XX/XXXX. 

I work in good faith to keep my account funded so as to avoid overdraft fees. To my disappointment, I find that Chase uses hidden or changing policies in a 'gotcha ' scheme to extract overdraft fees, which are extreme costly. 

I contacted their customer service but was rebuffed. If I can not get this matter resolved, I will begin looking for another bank, such as XXXX XXXX XXXX that does not charge such fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: PA
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 credit file. The items I need deleted are in the report. I am a Victim of identity and did not make these charges to such accounts. These items are reporting inaccurate to all three reports. I ask that these items be deleted from my credit file. I have enclosed copies of the Federal Trade Commission Identity theft 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 non-monetary relief
Consumer complaint received 2022-04-12
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TD Auto Finance was told in a court judgement to remove their report from my credit report. back in XXXX XXXX to this day nothing has been done and it has hurt my credit for XXXX yrs now then I find out from the DMV that the truck they say they auctioned is still in my name and wanting me to renew the registration. I never had the vehicle and they reported me being paid 3 months in XXXX XXXX thru XXXX but never paid a dime then they sue me in XX/XX/XXXX then fund me a new truck in XX/XX/XXXX. before we even go to court on the XXXX truck and lower note twice in 4 days now after the numerous court hearings, they were told to correct my report but hasnt done so, so far

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-06
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent out a Affidavit of Truth on XX/XX/2021 which was ignored and/or answered incorrectly. I then sent out a Notice of Default and Opportunity to Cure on XX/XX/2021. 

The affidavit of truth and cease and desist was sent due to my violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
This is an addendum to initial COMPLAINT ID # XXXX submitted on XX/XX/2023. The fraudulent charge of {$76.00} was denied being charged by the vendor in XXXX, refunded on XX/XX/XXXX ( no thanks to Barkleys ) to the original card ending in XXXX, by XXXX XXXX, XXXX ( see attached invoice ). The XXXX account was closed by Barkleys in XXXX as they deemed the {$76.00} a fraudulent charge.To date, and after several long phone calls, they have not been able to link the refund to the new account number they issued and are charging us interest and late fees. The fact Barkleys fraud branch lacks the intellect and expertise to manage and investigate their own Rewards Program is a telling indictment on the creditability of the entire corporation. The incompetence and ineptitude demonstrated by this group is something I have never experienced previously. They do however, excel in victimizing the victim. I was victimized by their inability to discover the origins of the fraud charge during my two months of investigating. I was further victimized by adding a late fee to the fraudulent charge, then an interest charge and finally being reported to the credit bureaus for failure to pay the fraudulent charge. They are outstanding at piling on the victim, but offer no helpful assistance whatsoever! This is text-book worthy failure. I recommend Barkleys contact XXXX XXXX  for instructions on how to conduct fraud research!

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 2019-08-03
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: Personal information incorrect

Complaint:
I am not sure who reports my employment information to the credit bureaus but my current employer is not correct, it has me at XXXX  XXXX XXXX. How ever I have worked at XXXX XXXX XXXX for the past 17 years. They are my current employer I would like this updated on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A account was opened up in my name with capital one several times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
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:
These aren't mine ... please remove it.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$34000.00}

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