BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: Thaxton Investment Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I filed a prior complaint with your office # XXXX requesting my loan be moved from the XXXX XXXX IL office to the XXXX IL office which is near where I work and more convenient. You contacted Heights Finance regional supervisor and the LIED to you and to myself also and said it was all taken care of and moved!! Today I got a call from the XXXX XXXX office from the office manager and called her back and talked to XXXX as she was with someone and I asked them why they were calling me as I was told my account was moved, she said no we cant move the accounts unless you refinance in another office! Yes they can I know because I was a XXXX  at that very office in XXXX  and know they just dont want to lose the account!! Please enforce the laws and make them move it and hold them accountable for lying to two government employees!! They are absolute trash!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have a loan with CAPITAL ONE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
I have never in my lifetime signed nor authorized for the over {$15000.00} amount of XXXX loans which I have been saddled with for over 15 yrs, which have ruined my credit, name and life since. I only applied and signed for XXXX! loans at XXXX XXXX for XXXX quarters when I attended their school for 6 months in 2007. I have submitted a XXXX XXXX claim and transcripts to the Dept of Education and I have yet to receive a final word on my defense of being deceived and duped by this school. I am sick and tired of being associated with debt I never used/nor received, apart from the {$5.00} XXXX that covered my classes & materials then. I will go take all involved parties and file suit in court unless this is erased from my credit and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TD BANK US HOLDING COMPANY
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:
TD BANK NA failed to correct the 30 days late showing in XX/XX/2016 in Acct XXXX Acct was never late, have always been in automatic payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

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 2023-02-27
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX/XXXXXXXX my debit card was stolen after a visit to XXXX XXXX XXXX for a birthday party. The next day, I left town for a birthday trip for my daughter. Upon coming home, I couldnt find my card and logged in to see it was being used all around the area. I promptly locked it and called Chase to report the card stolen and the unauthorized charges. We went charge by charge and I did not dispute the charges that were automatic like my apple account charges. Those are legitimately mine. After some time, my account was debited for the unauthorized charges and my claim denied. I called promptly and was told they couldnt reopen it and they had information that apparently led them to decide these were my charges. After some hassle, an account executive took the call and discovered the charges that we didnt not dispute were incorrectly marked as card present. She resubmitted but it was denied again. I find this ludicrous and I have proof that I wasnt in the area at the time nor was my card ever back in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient calls my family members up to 10 times a week despite being told not to call. Yesterday they left 3 vms for my XXXX old dad and one for my friends daughter who lived with me 8 years ago for 4 months when she was XXXX. Both were told theyre trying to contact me to collect on my student loan debt - so humiliating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, there was a fraud on my checking account whereby a total of {$15000.00} were withdrawn with my account without my authorization ( one for {$10000.00} and another one for {$5000.00} both on the same day and via XXXX transfer to an account unknown to me under an unknown person called XXXX XXXX ). I did not make this transfer and did not authorize it. In fact, upon making this alleged transaction, Bank of America sent a text message to the cell phone registered under my account and asked me to confirm whether I recognized this transaction and I said NO and still Bank of America withdrew the funds which is a clear evidence that their security system failed since I did not authorize Bank of America to withdraw the funds ( see Appendix file attached to this complaint ). 

Upon finding about this, I called Bank of America on XX/XX/2022, to file a complaint and Bank of America blocked my account and the complaint # is XXXX. 

I asked Bank of America to credit back the {$15000.00} to my account. The bank conducted the investigation and on XX/XX/2022, responded via e-mail with this decision " Our investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity '' After receiving this, I talked to a Bank of America Fraud Department representative on XX/XX/2022, and they provided me with the IP address ( XXXX ) that was used to make the wire transfer and I conducted my own investigation and found that this IP address is in XXXX, XXXX. I have never in my life been to this place nor authorized anyone from this IP address to access my account. I have never used this IP address before, but the bank insists that this IP address was used before to access my account which is not true. 

To summarize, I would like Bank of America to refund the stolen amount of {$15000.00} to my account as this was clearly a security breach to their system and I had nothing to do with 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 monetary relief
Consumer complaint received 2023-03-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX XXXX initiated a wire transfer in amount of {$13000.00} from XXXX XXXX Account to Chase Bank. Reason - XXXX XXXX. Posted & account debited. 
XX/XX/XXXX Wire transaction completed & obtained Federal Reserve Tracking number. 
XX/XX/XXXX thru XX/XX/XXXX no funds received in recipient 's Chase Bank account. 
XX/XX/XXXX Still no response from Chase Bank. XXXX determined they input an incomplete account number but had the correct bank routing number. They initiated an XXXX. 
XX/XX/XXXX Still no response from Chase Bank & {$13000.00} not in the recipient 's account. XXXX initiate a Recall. 

Recipient contacted Chase bank repeatedly over these weeks via phone to no avail. 
XX/XX/XXXX recipient called the local Chase Branch Vice President requesting his assistance & provided him the Federal Reserve Tracking number. 
XX/XX/XXXX Recipient met in person with the Chase Bank VP however he had no update. 
XX/XX/XXXX recipient provided the Chase Bank VP with a copy of the XXXX Wire Transfer XXXX form confirming the wire went to Chase Bank. 
XX/XX/XXXX Not a single response from Chase Bank to date. The {$13000.00} remains unaccounted for. The funds are not in the sender 's account nor in the recipient 's account. 
FIVE weeks is too long for a Wire Transfer to post at Chase Bank. I can not attach the Wire Transfer Transaction form below due to the identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from Wells Fargo informing me I had applied for a credit card. I did not apply for a credit card. I called Wells Fargo and spoke with several representatives. I asked only that they not issue any card in my name. Instead, they sent me a letter telling me if I did not send them a notarized declaration that they would open the account. 

I have put fraud alerts on all three credit services. I have contacted 4 other banks/companies who also received applications in my name. They all froze the accounts or told me they would not issue the cards.

I believe Wells Fargo has a financial interest in opening as many accounts as possible, and this may very well be a scam in which they open accounts without the consent of the consumer. 

Thank you for whatever help you can offer.

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 2021-05-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows no company name with account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$190.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

15 USC 1681 section 603 A. states a consumer reporting angecy 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 non-monetary relief
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The credit bureau 's are reporting incorrect information on my credit report.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: IL
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:
FALSE REPORTING OF ALLEGED DEBT BY THESE BUREAUSES IS A VIOLATION OF FDCPA SECTION 807, " 15 USC 1692e ''. Another violation of the FCRA is that the claimed debt can not be verified, and I have not received any proof or securities after 30 days.

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 2021-05-06
Company: SCA Collections, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company SCA COLLECT  ( Original Creditor : XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2022-07-06
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
In XXXX of XXXX, I shopped around for a mortgage at several institutions and went with XXXX XXXX who mortgaged my home. 

I was told by every institution who ran my credit that I could mortgage shop to a maximum of five credit runs with no issue and that once I was mortgaged the other four credit checks would be removed and only the one for XXXX XXXX  ( done through XXXX  XXXX  ) would remain. This process started in XX/XX/XXXX and we closed on our home in XX/XX/XXXX. 

I want the four remaining credit checks removed : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX  XXXX  XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES EQUIFAX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX  I contacted Equifax, XXXX and XXXX to have them removed and nothing has been done at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: SC
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair credit reporting act, the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality Under 15 USC 1681, I told the experian, XXXX, and XXXX credit reporting agencies to reinvestigate these accounts. However, they stated everything was complete and accurate, but how is that possible if the open date of last activity and more is incorrect? 
according to 15 USC 1681 I. 5, they are supposed to modify accounts that are not reporting. Correctly, 15 USC 1681 section 602 A, states I have the right to privacy.

15 USC 1680 1, section 604 ( A ) section 2. States a reporting agency can not furnish an account without my written instructions.

15 USC 1681. C, a it, 5 states. No consumer reporting agency can make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions? Or crimes which antedates the report by more than 7 years.

15 USC 1681 's. - 2 ( A ), ( I ) A person shall not furnish any information relating to any consumer reporting agency. If the person knows or has reasonable Cause to believe that the information is incorrect or inaccurate.

also they are not in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2022-04-19
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom this may concern : A debt was reported to my XXXX credit report in XX/XX/XXXX. I have tried numerous times to report to the collections company that has this debt in their reporting to my report that this debt does not belong to me nor does the is the address associated with the account ever been somewhere I have resided or know of. They have made numerous attempts since XXXX to contact me about this debt until finally late XXXX they stopped contacting me after I asked them to stop calling me and explained to me that I've trying to get them to remove the collection from my report for over two years now. I keep disputing the collection with XXXX and they keep validating the debt as mine with the collections company. The collections company reports on my report as Penn Credit Report for the amount of {$300.00} owed from the XXXX XXXX XXXX XXXX. I let them know that I do not reside in the XXXX XXXX XXXX and that my address as it is reported on my report is XXXX XXXX XXXX XXXX XXXX FL XXXX. I have tried numerous times to work with the company to prove the debt does not belong to me and that there must be a mistake but they will not work with me and are telling me the debt must remain on my report until it falls off. I am asking that someone from this organization help me find a resolution to have this inaccurate collection removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2021-05-06
Company: EQUIFAX, INC.
State: VA
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 contacted Equifax on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXXXXXX  ran on XX/XX/XXXX XXXX ran on XX/XX/XXXX XXXX XXXX ran on XX/XX/XXXX XXXX XXXX  XXXX XXXX ran on XX/XX/XXXX I contacted XXXX  on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXX XXXX XXXX ran on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ran on XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

Company response to consumer: Closed with explanation