BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: NY
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:
Hello, my name is XXXX XXXX, and I am forwarding this correspondence as an urgent request for you to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted in order to correct and update my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copy of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. I am a victim of identity theft so I ask that you complete this with urgency. I am a victim of identity theft!! Please delete these items as soon as possible! PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible FROM ALL CREDIT BUREAUS!

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 2021-04-27
Company: Home Point Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1. HOMEPOINT called me on XX/XX/2021. 
- I received a phone call on my personal cell phone number from a woman that did not identify herself, but she was asking me to identify myself. This immediately triggered my suspicion that this was a illegitimate phone call. 
- After I insisted that she identified herself, she said she was calling from HOMEPOINT, a mortgage company, about my application for a mortgage refinance. I NEVER REQUESTED OR APPLIED FOR A MORTGAGE REFINANCE WITH HOMEPOINT. At this time, I TOLD HER I WAS NOT INTERESTED in refinancing and hung up.

2. Homepoint emailed my personal email address on XX/XX/2021. 
- It is unknown how they obtained my email address or phone number. 
- The email with subject line : " important information about your mortgage '' requested that I register in their website and " view your loan information '', essentially suggesting that I had a loan with them, WHICH I HAVE NOT EVER HAD. 
- I called the phone number in their email. The automated reply stated that I had an account with them associated to my phone number. AGAIN I DONT HAVE AND HAVE NOT EVER OPENED AN ACCOUNT WITH HOMEPOINT. 
- After navigating through the menu, the automated operator constantly asked me for my last four SSN digits, and in one occasion it asked for my full SSN. I did not provide those.

- I finally reached a representative to confront about the fact that I do not have an account with them, but he suggested that I might have to find out if I need to pay HOMEPOINT instead of my current mortgage servicer. 
- The HOMEPOINT representative, myself and a representative of my current lender servicer had a three-way phone conversation. My current servicer asked for my SSN last four digits, and at this time I hung up as I did not want to provide them with the HOMEPOINT representative on the line. 
- I called my current mortgage servicer, and verified that my account is in order and I am still making my mortgage payments to them. 
- I unsubscribed from HOMEPOINT emails using their very obscure " unsubscribe '' link at the end of their email. 

Clearly, HOMEPOINT was using deceptive tactics to : 1. Get sensitive, personal information from me.

2. Trick me into starting a refinance with them, which I was not interested.

3. Trick me into giving them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I opened an auto loan account with Wells Fargo in XX/XX/2019. I made the final payment on XX/XX/XXXX for the full payoff amount on the Wells Fargo online portal. I received no confirmation via email or no updates since the final payoff. 

2 days later, on XX/XX/XXXX, when I attempted to login to the online portal, the system rejected my login and does not allow me to access any of my loan documents, statements etc. Further, when I try to call the customer service line to Wells Fargo, I am directed to an automated verification system that no longer recognizes my account number OR my social security number. In effect, Wells Fargo appears to have closed the account WITHOUT any confirmation or notice and, more importantly, has not sent me a loan release document OR returned my car title. 

When I get through to the general customer service line, they tell me they are helpless and I need to go to the nearest branch, which is in an entirely different state, over 100 miles away. I am at a loss to how a federally recognized financial institution is able to get away with defrauding customers in this fashion, with no confirmations, no receipts, no notices to account closures and without returning car titles upon loan payoff.

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 2021-10-26
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 status incorrect

Complaint:
Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: TN
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 with The Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2021-04-27
Company: CARD Corporation
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
MetaBank sent me an unsolicited card ( ready for activation ) by mail, to my old address ( luckily it was forwarded to me ) in a card requesting my direct deposit ( bank account ) information. When I tried to call the number on the back of the card, it kept asking for my full social security number, which I would not enter because, again, I did not request the card so I'm not even sure if this is a legitimate business. Because I would not enter my information, the automated system just hung up on me with no option to speak to a representative. I work in the banking industry and have never heard of this practice of just sending out live cards for activation to people who did not actively request them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries reported that I do not recognize

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 2020-02-21
Company: ACIMA CREDIT, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2020 I purchased 15 twin mattress for a XXXX XXXX the total cost was {$3300.00}. The sales clerk offered a 90 day same as cash with NO CREDIT check option. I have excellent credit and try to keep my inquiries at a minimum. I took the option knowing I would have this paid off within the 90 days to avoid any interest. The time for me to pay {$2000.00} back is anywhere from XX/XX/XXXX - XX/XX/2020. I check my CB almost daily due to the industry I work in requires I keep good sound credit so I keep tabs on it. I noticed on XX/XX/XXXX Acima Credit reported to the bureau I opened credit with them for {$4500.00} on XX/XX/2020. This is not factual I opened credit/lease on XX/XX/XXXX and the amount granted was {$2400.00} of which only {$2000.00} was utilized. How can they say I owe {$4500.00} when I only used {$2000.00}? I asked how can you report interest before its earned? The company says it's not interest but a daily lease fee on a 12 month lease. I asked again how can you report a fee in advance of it being earned? He said again it was not a fee not interest but a daily charge. This makes no sense and sounds predatory. For individuals with bad credit and not credit conscious they can get away with these practices, however I'm astute enough to know this is wrong. If you grant {$2400.00} then the line item should reflect {$2400.00} with a balance of {$2000.00} which I've made a payment so the amount owed is {$1600.00}. How is the balance and credit {$4500.00} regardless of payments made? The rep told me they are not a credit card but a lease ... so they do it differently. I'm old enough to know 2+2=4 and 3+1=4 it all has to make sense and this doesn't. Acima Credit should be investigated for predatory behavior and reporting erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
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: Old information reappears or never goes away

Complaint:
I have been disputing an account that has been hurting my credit report for a while now. I have been telling and explaining to XXXX, TransUnion and XXXX that the account is not mine. I already did my job and spoke to the company and they couldn't find any records that shows that I have or had an account with them. The company that shows on my credit report is called XXXX, I will attached a copy of my credit report where shows this account. and the reason why I'm complaining today is because I did complaint before and nothing changes, I dispute the account and nothing changes, I even ask XXXX, TransUnion and XXXX to sent me everything they have that proofs the account is mine but nothing happens.

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 2022-11-11
Company: EQUIFAX, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Klarna AB
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
This complaint is about Klarna, and it is very serious. Consistently Klarna tells its users that its has about {$1300.00} is credit but only ever allows it to spend just under {$300.00} over time no matter whether one has excellent payment history, pays early, has excellent credit rating. It's a scam. When you ask digital customer service what the problem is, they just say " guess you just have to keep trying. '' The policy is not clear. Klarna consistently demonstrates false advertising of a WAY higher credit it will let you use than what is real. Please thoroughly investigate them and ensure that they are much, much, much more transparent!! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This credit card is DISGUSTING!!!! Ive always done business with Chase & never had a problem until this credit card!!! Ive only had it for 3 weeks and already FIVE TRANSACTIONS HAVE BEEN DECLINED!!! First few were from XXXX and XXXX and they said it was the address that was different now its at XXXX!!!! This credit card company is a scam!!! Just realized Im almost at {$500.00} in spendings, which means they would owe me {$200.00} back.hmmmmm I have well over {$2000.00} to spend, my monthly due date isnt until next month, SO THERE IS NO REASON FOR THIS!!!!! Plus the fact that Ive now been on HOLD trying to get a representative to see what the problem is and Ive been waiting for someone to answer for two FULL HOURS!!!! UNACCEPTABLE!!!!! I will be telling everyone how they treat consumers!!! Im done as soon as I get my {$200.00} and will NEVER EVERRRRR DO BUSINESS W THIS LOWLIFE COMPANY AGAINNNNN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I called Experian because I recognized that there were hard inquiries that were not authorized by me. Some of these were removed, but XXXX XXXX with an inquiry date of XX/XX/2021 and another on XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Equifax should have never had a collections report from Get it Straight Orthodontics! My XXXX Early treatment was paid in full after work was done! When work was done and paid in full! I asked for an XXXX XXXX paid in full of what was paid and insurance received by me on XX/XX/XXXX and also I asked to received a XXXX from a Doctor in XX/XX/XXXX! Please what I would like to have happen is for Equifax to immediately take this off my credit report and deleted from my credit report! Also having a mistake/ False accusation on my credit report has been damaging! It is not accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: ME
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 Equifax have violated my right under 15 U.S.C 1681 ( A ) reads The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report i would like all accounts removed which include XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX i would like all accounts Deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EdFinancial Services
State: FL
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 put a borrower defense discharge application in XXXX  with XXXX XXXX I am a class member of the XXXX XXXX XXXX lawsuit I should receive a settlement. I have direct subsidized and direct unsubsidized loans with ED financial. I have no private loans they recently sent me a letter stating I have no direct loans that are eligible for borrower defense discharge. When I asked them to explain this letter, they informed me I need to call the borrowers defense hot line. When I called the borrowers defense line I was informed my discharge was approved. I have no information I am needing help.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-27
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention to be delete in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXXXX/XX/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 2023-09-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Wells Fargo knows. I am waiting for someone to care. My credit card has been frauded each week for the past 4. The last time, In fact, I hadnt even received my new credit Card when it was frauded again. I have suggested to Wells Fargo the bandit it is within their organization. Im unhappy with their lack of customer service. In fact I spoke to a supervisor today because my latest card was not expedited to me. In the Last month I paid off my entire balance, it was at least XXXX. He was rude. I never hear any kind of apology for this constant infraction. I dont want to upset my life by changing to a new bank after 22yrs. Im an XXXX XXXX. What can be done. Put a pin on credit cards, perhaps. Help

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 2021-04-27
Company: EQUIFAX, INC.
State: MS
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 SENT OFF LETTERS ON XX/XX/2021, TO THE CRA 'S ( XXXX, EQUIFAX, XXXX  ) ABOUT NEGATIVE ITEMS THEY ARE REPORTING ON MY CREDIT PROFILE. THE INACCURATE INFORMATION, INCLUDING MY NAME AND ADDRESS HAS NOT BEEN VERIFIED TO ME AND ITS CONTINUE TO BE POSTED KEEPING ME FROM OBTAINING CREDIT. I HAVE ATTACHED COPIES BELOW FOR MY RECORDS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Successfully received and transferred cryptocurrency via Binance.US on XX/XX/XXXX. As of XX/XX/XXXX, I was no longer able to access the funds ( now USD ) that are being held in my Binance.US account. Multiple trouble tickets and messages were sent via the company 's website and their XXXX page. The only emails received were auto-generated, and the company has replied only once on XXXX with no additional follow-up. All verification procedures required by the company have been completed. I appear to be one of hundreds of customers dealing with this matter. No public statement has been issued by the company, and no timeline stating a resolution to this matter has been released.

Company response to consumer: Closed with explanation