BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had reached out to Equifax on a daily basis to help get the incorrect SSN on my account resolved. They have been unhelpful and every time I submit a new case, I am told to submit the documents again because they do not have anything on file for me. As of XX/XX/14, I spoke with XXXX, Agent ID XXXX, and also a supervisor XXXX, agent ID XXXX. After this call, I was told to send the documents again, even though they have been sent previously online and physically by mail. After this call, they had deliberately disabled my ability to submit a dispute online regarding my SSN. I can dispute any other information on my file, but my ability to dispute my SSN has been disabled. This is deliberate and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Onemain Financial told me I was approved for multiples loans, then after I gave them my info they denied me and sent my info to a bunch of subprime money lenders who want to give me 130 % APRs Now im being barraged by these scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Ive disputed this account ( XXXX XXXX ) about six times for the last six months with the credit bureaus reporting fraud. I contacted the company and they sold the account to a debt collector which is now saying I owe them {$5900.00} but the account is still reporting on my credit report with a balance of {$4800.00}. I asked the company and credit bureaus several of times to send me verification of this account because this account is not mines and I want to know how did they verify this and I havent gotten a respond.

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 2022-08-07
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Abusive language/tactics : Lying and manipulation are abusive forms of communication. 

" US Bank '' won't respond and coordinate to provide information to the CFPB, BUT they can monitor the complaints and find a way to send " false information '' directly to the person complaining.

The investors working behind the US Bank name " front '' are FL Bar Attorneys who block, hinder, interrupt and sabatoge ANYONE who makes the slighte
st attempt to avail their legal right to obtain justice and remedy for a wrong by using accessed Fl Courts ( State and Federal ) system.

See attached, 7 cases of mine and my right to remedy for damages were stolen from me at the hands of FL Bar Attorneys.

They never wanted me to pay a " mortgage '' because there never was a " mortgage. '' But they insist on making me come to Court to agree to allow them to steal something from me to remedy non-existent damages. 
Real estate is a monetary benefit for them.

Many people in Florida used to be afraid of FL Bar Attorneys. Its used to be a puzzling phenomenon.

No longer do this exist.

Their " slips '' have fallen, it's showing for all to see.

They are they only ones who can't see it on the ground.

That's the NEW phenomenon.

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 2023-06-15
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: OK
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, Has Violated My Rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: NJ
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:
Ive disputed this account ( XXXX XXXX ) about six times for the last six months with the credit bureaus reporting fraud. I contacted the company and they sold the account to a debt collector which is now saying I owe them {$5900.00} but the account is still reporting on my credit report with a balance of {$4800.00}. I asked the company and credit bureaus several of times to send me verification of this account because this account is not mines and I want to know how did they verify this and I havent gotten a respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I found out XXXX that multiple accounts which belong to me from my creditor XXXX were not showing on my Experian or XXXX report. I reached out multiple times submitted all requested documents to both companies but they fail to put it back on my report. This has caused me to be declined by creditors due to missing information. I Spoke to XXXX who showed proof they were reporting accurately but XXXX and Experian refuses to update my file as of 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 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2023-09-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I was supposed to receive a direct deposit from the XXXX  XXXX XXXX XXXX. The next day, on XX/XX/XXXX I discovered my account was closed by Wells Fargo. I contacted them and spoke with a represenative that confirmed my direct deposit will be rejected and be sent back to the sender ( XXXX ) in XXXX business days. On Friday, XX/XX/XXXX I contacted XXXX to see if the funds were returned and they were not. I contacted Wells Fargo to see if they returned the funds. A represenative from Wells Fargo said they are unable to see if the funds were rejected because my account was closed. I asked if there was an account the rejected funds would go into and then be sent out of and the representative said they do not withhold the funds when the account is closed and it immediately rejects back to the sender in XXXX business days. The sender ( XXXX ) confirmed with me they have not received any of the funds back from Wells Fargo. The rep from Well Fargo also said there no is possible way to search where the funds are and there was nothing they can do. It has been roughly 6 days and no one is apparently able to investigate where my funds are. My school still has not received the money back from Wells Fargo and Wells Fargo states the funds were sent out in XXXX business days and there is nothing more they can do. I do not believe this. I believe Wells Fargo has my funds that were sent by my school. They have been extremely unhelpful and rude about this serious matter. It is XX/XX/XXXX and I have yet to receive my funds nor has my school received the funds back from Wells Fargo.

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 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Ive disputed this account ( XXXX XXXX ) about six times for the last six months with the credit bureaus reporting fraud. I contacted the company and they sold the account to a debt collector which is now saying I owe them {$5900.00} but the account is still reporting on my credit report with a balance of {$4800.00}. I asked the company and credit bureaus several of times to send me verification of this account because this account is not mines and I want to know how did they verify this and I havent gotten a respond.

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 2023-09-11
Company: DISCOVER BANK
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Issues with ESCROW account - This loan was closed with no escrow by XXXX XXXX XXXX XXXX. This loan was immediately sold, with no escrow, to Select Portfolio Servicing Inc. My monthly payments are {$800.00}, I have been paying {$990.00} every month where {$190.00} should be going to principal. 
For whatever reason this mortgage company has this mortgage as 'with escrow ... ''. After months in XXXX of my trying working with them they agreed and said that they will credit my account. I continued making regular payments. Just now, XXXX XXXXI found out that this company has put my account back as 'with escrow ' and paid for my property insurance, while I'm paying my insurance and property taxes. I have tried again working with them since XX/XX/XXXX, I have made numeruos calls and in every call I spent about an hour on the phone, going through circle with too many clerks and supervisors, I sent numerous faxes and I am getting back piles of generic mail, 99 % not related to my issue except for two letters stating that they refuse to remove my escrow and the other is my new amount to pay ... including escrow ... .how come ...? My mortgage was fixed-rate ... 
My loan originator has tried contacting, by email, several higher level personnel - unfortunately, no response from anyone of them. 
I have exsausted every option and now. Ashtonished and desperate I am asking for your help. 
I would like to know, from the biginning, ( 1 ) how much I deserve in credit and how can I receive my money back, ( 2 ) how much went into my principal paying {$190.00} additional every month and ( 3 ) eliminating this escrow account once and for all. Suportive documents are available. This company handles another mortgage account on another property of ine and I would like to verify that numbers there are correct as well. Thank you!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX Re : XXXX XXXX Bank of America My name is XXXX XXXX. I am a current secured card member with a {$1000.00} limit. I have been continuously up to date and on time with my payments and account management. 
I wish to convert my card account to an unsecured Credit Card and receive a refund of the initial deposit of {$1000.00}. 
However, it has not been an easy feat with interacting with your customer service representatives or your impossible AI phone tree system. Your service is open of the most terrible in XXXX. Right up there with XXXX XXXX! 
I have been hung up on, lied to, cursed out among many things. Its amazing that your calls are not recorded. 
I want to know if you value me as a customer since I have maintained and exceptionally groomed my account to the best of my ability. 
Please assist me and let me know what I need to do in order to move my card to an unsecured account successfully. 
Looking forward to hearing from you. 

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 2018-05-05
Company: High Performance Capital
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX, was leased to me, I received a letter that if the car was resold it was going to be used partially to pay debt of car loan, it shows as opened past due when I dont have this car since XX/XX/XXXX please review

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Consumer Portfolio Services, Inc.
State: CA
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:
The car was financed in 2018. The broker assigned the loan soon after. I submitted papers with CFPB and Consumer Portfolio Services stating the Title 15 code violations committed by Consumer Portfolio Services. I am the creditor and lender of the loan. I have listed the abusive practices and alleged conspiracies to done to me. Abusive debt collection practices, willfully accepting assignment of a loan, property and security. In a Consumer Credit Transaction Consumer Portfolio Services committed forms of identify theft by falsely claiming and assuming vital roles as the creditor, lender and beneficiary and Trustee. I am the creditor, and lender of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
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: Account information incorrect

Complaint:
i have disputed with all 3 credit bureaus ( XXXX, transunion and XXXX  ) and all 3 bureaus continue to report inaccurate information. i have sent them letters to verify these accounts and have asked them to either prove that they indeed belong to me by providing me with a binding agreement documentation that bears my signature or accounts that show i've been late for payments. i'm not here to play games as these negative items impact my credit score and i believe that they do not want to delete because they will lose monitory income if they delete the accounts.

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 2023-11-09
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:
My personal identity was leaked twice in a data breach. The first occurrence was on XX/XX/XXXX, and I received a letter informing me of the incident on XX/XX/XXXX. The second occurrence was on XX/XX/XXXX, and I received a letter dated XX/XX/XXXX. 

Since then, numerous attempts have been made to open credit cards and loans under my name. I contacted the individual companies on each occurrence, reported fraud, and placed a freeze on my credit file on XX/XX/XXXX. Disputes I've made over incorrect addresses, phone numbers, accounts, etc. on my credit file ( s ) have been denied by XXXX and Transunion on multiple occasions. A recent dispute I filed with XXXX XXXX Transunion to remove an additional account under my name ( used fraudulently ) was denied. This is not acceptable ; I have been subject to identity theft on at least two occasions.

I have attached extensive records to support this complaint. Included are the letters originally sent informing me of the two separate data breaches. I've attached a police report that lists me as a victim of fraud on page five of the attachment. Portions of my credit file ( s ) with the fraudulent account ( XXXX  ) & inquiries still included are attached. Finally, I will include identity theft report ( s ) filed with the FTC.

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 2023-06-15
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have been receiving phone calls everyday from different phone numbers or private numbers for Comenity Bank for an ULTA credit card debt. I have asked to stop calling during work hours. The phone calls got more aggressive after XX/XX/2023. I had to empty my voicemail box frequently They will call as early as XXXX to as late as XXXX at night. They've been leaving voicemails to the point where it would make my voicemail box full every 7 days. I've really heavily on my phone as I am oncall for a hospital and I've missed several important phone calls for shifts due to harassments from Comenity Bank. They even called my husband phone number XXXX to communicate with me back in XX/XX/2023. The following images uploaded starts from XX/XX/2023 and dates back XX/XX/2023 consecutively for more than 7 days calling everyday multiple times under differently numbers or private numbers. The rest of the images are voicemails they have left recently. Unfortunately I had to delete a lot of the voicemails due to my mailbox being full and I uploaded text message dating back to XX/XX/2023. I do have a call list for the month of XX/XX/2023 where they called me everyday various hours, I'll be more than happy to provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax refuses to send a copy of my credit report with corrections. I have formally requested it, but it has not come. My request was delivered by certified mail on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
My dispute is with capital one I have caught up my payments and still has my account as 3 months ast due not only that they took 65 points off my credit score which was due to no fault of my own I just recently got a job I ho to college and had to finish my semester at home due to covid then had lost my other job that I. Had in summer due to covid Ive borrowed money from my parents to get me caught up I dont think its right they still have on my credit report as 3 months past due and took my points away from me

Company response to consumer: Closed with monetary relief