BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 2023-06-20
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Weltman , Weinberg & Reis Co. , L.P.A . went after my old bank account without permission to collect a debt that was written off from XXXX. Whether the debt is owed or not. You do not have the rights to go after my bank account. Im not really trying to hear anything about my bank being garnished, especially when I didnt receive anything in the mail about this. If this company really exists I shouldnt be obligated to pay more than half of the entire debt. Every time I call them to speak to someone Im left on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm writing you in regards to a Veterans interest rate reduction refinance ( IRRRL ) loan I received from Freedom Mortgage Corporation. My intent was to refinance my 2nd home that I do not use as my primary residence in which it was fully discussed with Veterans Loan Advisor XXXX XXXX NMLS # XXXX and that I have not lived in it since XXXX when I purchased what is now my primary residence. Since interest rates are low, I wanted to also refinance my conventional loan for my primary residence but was told by XXXX XXXX that he did not do conventional loans and that I should wait until my IRRRL closed. To me it made sense so there would be no confusion with loans. My IRRRL closed on approx. XXXX XX/XX/XXXX. I then attempted to contact Freedom Mortgage to start my refi for my primary home with no return phone calls or emails from customer service. I then contacted XXXX XXXX to refi my primary residence before interest rates go up. After reviewing my loan documents they discovered that Freedom Mortgage did NOT finance my VA loan as a 2nd property/investment property but as my Primary residence and that I could not refi my primary home until this was resolved. After reaching out to Freedom Mortgage they would not change my loan or issue a waiver. They understood that this wasn't going to be my primary residence and even advised me to wait to start the other refinance until theirs was finished and my assumption is because underwriters would find out about the other loan and question why both are showing as primary. 

I also received an email dated XXXX XX/XX/XXXX from XXXX XXXX requesting a letter or email indicating the month/year to month/year that I lived at the residence being refinanced.

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 2023-09-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: 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:
XX/XX/23 - I attempted to use the card at XXXX and XXXX and was declined. I first tried the entire balance of the card ( {$100.00} ) and then tried purchases that were below the balance. Each time it was declined. I also tried adding it to XXXX XXXX, which is actually suggested on their website, and it was declined. 

XX/XX/23 - I tried it again at XXXX and XXXX and was declined. I called the XXXX number for Amex XXXX : XXXX time : The agent said there was a protection on my account, and she fixed it. After hanging up, I tried again at XXXX and XXXX and was declined. 
XXXX time : After being declined, I called back. The agent gave the same spiel about a protection being on my account. I let him know the last agent said the same. I asked several times for a list of places where I could use the card since it clearly could not be used everywhere. He said there was no list like that. He also said you can not use it with XXXX XXXX despite their website saying you can. He didn't have a good answer for why XXXX wasn't taking it despite taking another gift card I had. He suggested trying {$80.00} at XXXX in case they were automatically calculating a tip. I tried that and it didn't work. I asked for a refund, he said he was transferring me, and I got disconnected. 
3rd time : After being disconnected, I called back. I ended up in circular conversation with the agent who said the card is taken " anywhere that accepts gift cards. '' I explained that I used a gift card at XXXX right before this one and it works, thus showing they accept gift cards, just not this one. She also said she would transfer me to a supervisor and disconnected me instead. 

I then tried a {$75.00} purchase at XXXX ( well below my {$100.00} balance ) and was declined. This card does not work at any of these major retailers and I can not get any information from the company on where the card is taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: SC
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 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was a with BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX, XXXX, XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2023-09-14
Company: Kikoff Inc.
State: TX
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:
Kikoff is reporting to XXXX that I made a late payment on XX/XX/2022 which is false, Kikoff also reported to XXXX no late payment XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TRUIST Bank Issue : I went to TRUIST BANK XXXX location today to deposit a {$3700.00} check to my fathers account who lives overseas. They told me theres a problem with his account so they couldnt deposit the check or do any type of transaction on their end since there was a problem with his account. I told them I would go to another branch to try and solve the problem, but they said they can not solve your problem either, he needs to come to the bank in person. But meanwhile they already put the deposit stamp on the back of the check. 

I went to XXXX XXXX location to explain this problem and ask for help. XXXX at XXXX XXXX location told me theres NO PROBLEM with my fathers account and she deposited the check immediately without any problems. 

I am wondering why the TRUIST bank XXXX location tellers ( two ladies ) gave me such a hard time and told me that theres a problem with the account. It was very upsetting to have to drive all the way to find another branch. I was expecting the tellers to be more professional and do a better job. 
I will also call XXXX location again ( theyre not answering the phones its only messages ) and try agaib to talk to someone and tell them about the unprofessionalism of the people who work there.

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 2023-09-14
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit reporting 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:
There was an inquiry for a credit card done under my name on XX/XX/2023 through JP Morgan Chase that was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: CreditNinja Lending, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last year in 2021, I received a call from CREDIT NINJA saying I owed over {$2000.00} to them for a loan taken out. I had never heard of this company at the time and the address and email they had for me were from about 8 years ago and we came to the conclusion someone stole my identity and took out the loan. Credit Ninja had me go through a process that took me months getting a police report, and filing out affidavits to get this taken care of because I never got this loan out. I did EVERYTHING they asked of me and then a month or two ago in 2022 that same exact loan shows up on my credit report. I immediately called Credit Ninja when I got the notification and asked them for it to be removed since I already went through the process with them of proving I got my identity stolen. The lady then confirmed what I had said to her on the phone and said they had all the police report and everything on file and all I would need to do is dispute it on my end and they would take it off. BUT I disputed it and they never took it off in fact they said the debt is valid even though they have proof from over a year ago my identity got stolen and I never got this loan.

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 2023-04-19
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Yes this collection agency EOS is collecting a debt from XXXX saying I owe XXXX I have ask numerous times to provide me With contract saying I signed for this my valid documentation where I approved to used XXXX signed contract I been receiving mail harassing telephone calls ask to cease all communication levels still no validation on this debt please remove this debt as this debt is not valid and I am a victim of identity theft and this is included on the day my identity was taken so remove this debt under the us code 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
account. 
I sent a letter out on July 1st to XXXX, transunion, and XXXXHowever its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code $ 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-04-06
Company: Synovus Bank
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: Information belongs to someone else

Complaint:
Hi, my name is XXXX XXXX and I am complaining about the 1stprogress/XXXX XXXX/ account under the # XXXX that is reporting on my credit report. I have filed a FTC complaint under the # XXXX as well as providing additional information about this account that it is not mine as I never opened this account and this is not my information. There has been no evidence provided to me that proves this account as mine or no response in over 30 days from either the creditor or credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I reached out to Capital One to dispute a transaction. 

The merchant sold me service package with a term of XXXX. 
The merchant disappeared XXXX after starting the contract and stopped providing the services that I paid for using my Capital One Credit Card. 
They stated in an email to all customer that the merchant would refund the paid amount but this hasn't happened. 

I sent Capital One all documents that were necessary and they decided not to pursue the claim. Every time I call and ask why, they list different reason each time. 

First, my claim was denied because there was no date listed on the contract between the Merchant and. This is not true - the date was on the contract.

Then Capital One needed me to send a signed statement.

After that they denied to dispute the transaction is over 60days old.

They failed to reach out to the Merchant and dispute the transaction as listed on their website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: MI
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:
Updated and new information to add to complaint # 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 2022-11-18
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by 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 non-monetary relief
Consumer complaint received 2023-09-14
Company: LEXISNEXIS
State: AL
Product: Credit reporting 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.

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 seven 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
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: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: SIERRA PACIFIC MORTGAGE
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an email from XXXX XXXX ( XXXX ) on XX/XX/2020, requesting that I change the address of the payee ( Sierra Pacific Mortgage ). 

After complying, my mortgage payments were being debited from my checking yet not received by payee. 

I believe this email from XXXX XXXX might be a phishing scam. This is now effecting my payment status and credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XX/XX/2018, I pulled my credit report and was shocked. There were several collections accounts from a company called Transworld. I wrote them a letter in efforts to try to validate this alleged debt. To date I have not received any response. The letter was delivered to Transworld on XX/XX/2018 and signed for by XXXX XXXX. 

There was not A RESPONSE IN 30 DAYS after XX/XX/2018, therefore this needs to be deleted. 

The account was not validated within 30 days of requesting validation. See postal documentation showing when the request was signed for in XX/XX/2018! 

Delete from all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this coomplaint with the help of the Consumer Financial Protection Bureau to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of being reported on my Credit File. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ), XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraud, not later than 4 business days after the date of receipt. Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.

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