BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: Advise Solutions Services LLC
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Today, XX/XX/ I answered my cell phone from a XXXX. This person identified himself as XXXX XXXX from XXXX XXXX XXXX, stating that my credit score was going down and that she can provide solutions. I told her that I was not interested in their services, and she began harassing me. She ask for personal information to confirm my identity, I told her to please stop harassing and to remove my number from their call list. I do not know how they have my new phone number or how they know about my credit scores. I have check my credit reports after that incident, and my new number is not there on any of the three reports.She said that the company will keep calling every day. I cant imagine how a company still doing this after so many complaints. That is so unprofessional and disrespectful.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
CCB/CHLDPLCE
3 LATE PAYMENTS
Credit usage
100%
Balance XXXX  Balance updated XXXX XXXX XXXX
Credit limit XXXX
Account info
Account number XXXX  Open/closed
Closed
Date opened
XXXX XXXX XXXX
Account type
Revolving account 
Status
90 days past due
Status updated XXXX XXXX
Past due amount
XXXX
Highest balance
XXXX
Monthly payment XXXX
Contact info
Address XXXX XXXX XXXX XXXX, OH XXXX
Phone number
None provided
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE  IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO "FAIR CARES ACT" ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: WELLS FARGO & COMPANY
State: GA
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 have a loan with WELLS FARGO. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and WELLS FARGO with no successful resolution. There was definitely an error on their part.

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 2023-03-14
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I paid partial payment of {$60.00}, through XXXX and the payment was from my online banking.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: TN
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've dispued these accounts for the pass year. I've sent all the information they asked and the negitive information is still on 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 2020-12-04
Company: Dyck-O'Neal, 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: Their investigation did not fix an error on your report

Complaint:
Dear Dyck O'Neal, XXXX  and, XXXX Thank you for sending me your internal records of the debt ( Dyck O'Neal ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or valid E-Signature proving my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX  AND DYCK O'NEAL including reporting payments on a CLOSED ACCOUNT from an Collection Agency AND creating duplicate accounts on my XXXX  REPORT ( please see attachment ) which is in violation of the FDCPA. you stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2018-04-09
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
from around XX/XX/XXXX my mortgage has changed from one company to another I did not know who had the mortgage from time to time a company would send me a letter saying they were foreclosing on my house and i would send them a QWR Qualified Written Request and would never receive the information demanded of them and now I believe the XXXX XXXX XXXX XXXX XXXX is claiming ownership of the mortgage I mailed them a QWR via certified mail dated XX/XX/XXXX ( see attachment ) demanding their Standing to Foreclose and other certain factual information in which I have not received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Porsche Financial Services, Inc.
State: FL
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:
The following inquiries are fraudulent and are not authorized by me. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I legally changed my name in XXXX of XXXX. XXXX XXXX and XXXX had both updated that information rather quickly, but in XXXX, my automotive lender was unable to pull my Equifax report, which caused some hardship in obtaining a loan but I was ultimately able to get one at a rate above normal market value. In XXXX, I started the process of obtaining a mortgage, at which point my mortgage company found that Equifax was reporting that attempts to pull my report using my legal name were returning as fraud. On XX/XX/XXXX I reached out to Equifax to find out how to fix this error and was told that I should file a dispute online to change my name, and that the turn around time for this is normally 5 to 7 business days. I did so, and followed up with them after 5 business days had passed. I had uploaded my new drivers license and social security card. At that time, I was told that it could actually take 30 days, and I asked whether there was anything I could do to speed up the process. I was told they had everything they needed to do the name change and that I just had to wait, including the following times I called. On XX/XX/XXXX, I saw that the dispute was fulfilled, but their website still displayed the name. I contacted my mortgage company and they tried several times to pull my credit report again, and finally today, XX/XX/XXXX, I reached out to Equifax and was told they had not changed my name. I was told that I have to mail in my documents in order to change my name, and that they do not have a way for me to upload the necessary documents. 
I am greatly disappointed in Equifax for this, especially because I did more than my due diligence trying to resolve this and the other credit bureaus updated their information when I did so with my lenders. I am also quite upset that the rate on my loan is so high because of their inability to update information I had updated with my lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted by an agent named XXXX and she proceeded to tell me i had until the end of day to pay back an old payday loan i had forgotten about. She told me it would be handed over to courts if i didnt pay XXXX dollars and that i was being sued for Fraud, libel, and misconduct. They also called my family memebers repeatedly even when told not too by said family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In mid XXXX I received a fraudulent deposit into my checking account. I notified Chase bank and told them I did not recognize or know who made the deposit. They froze my accounts ( savings and checking ). Now, some 5 weeks later me savings account. ( {$15000.00} ) is still frozen. The fraud didnt happen in my savings, it was my checking. They wont tell me why or how long it will be frozen. JP Morgan Chase

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physicalVerification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the bureaus but they did not remove them, not prove validation. 
XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2023-10-20
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have multiple accounts with Affirm and have been trying to update my cellphone to my new number so I can access my account online to make Payments after being a victim of a hacker on XXXX I immediately notified this creditor of needing to update, email, cell and payment information to protect me from further harm and removal of compromised information on my account. They updated all but cellphone which is how you access account and obtain codes. I have uploaded my TX drivers license 5 times, done facial recognition photos, spoken with multiple agents and supervisors all saying the same thing over and over.with script I have had 2 agents return my call to new cell phone number as part of verification responded to email links provided all requested items and still no update to my cell.phone number on my account I should not have to call over and over and send same sensitive documents over multiple times on multiple occasions I need this resolved it's been over a month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a XX/XX/XXXX XXXX so my interest on my loan started accruing in XX/XX/XXXX. I created my edfinancial account on XX/XX/XXXX in attempts to pay off some of my loan. At this point I already had {$35.00} of interest accrued. I attempted to pay {$2000.00} on XX/XX/XXXX. The status was pending and then stated it was received. I looked in my bank account and nothing was removed. I then checked back into my edfinancial account and the payment was reversed back into my account. I then tried to do the same thing and pay {$2000.00} on XXXX and the same process occurred again. I tried to call Monday XX/XX/XXXX in attempts to speak to someone about this and they said the wait time was over 2 hours. Reluctantly I tried to pay off the entirety of my one loan which is an unsubsidized direct loan ( {$2000.00} ) on XXXX and this was also reversed back into my account. I am getting very frustrated as theres already an increase of {$12.00} in interest from the first time I tried to pay my loan to now. It seems really convenient that the company keeps reversing my payments so that my loan can keep accruing more interest. This seems very illegal to me and Id like to have no further issues with paying my student loans off.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX two of my family members were contacted by XXXX XXXX to inform me that I should be home to sign for a package on XX/XX/XXXX The packeage was to arrive in between XXXX XXXX  and XXXX. ( No package arrived ) I got the number that they left with my brother, so I called. I talked to a XXXX XXXX. He said that my outstanding debt from HSBC bank is going to be taken to court and I was being sued in a few days if I don't settle. This debt, which I do not recall ; is supposedly from XXXX. The total is {$2800.00} with late fees and other charges. The original debt supposedly was XXXX. They said I could file for hardship and pay less then what the original amount due. I did not pay or agree to pay anything. I told him I wanted to investigate this matter further. Mr. XXXX said I had to the end of Thursday XX/XX/XXXX to get back in touch with him or the suit will be filed. I feel this is a scam and had a similar call from a company in the beginning of XXXX for the same HSBC bank in wich I paid over {$700.00} to clear. I also feel this was a scam by a different scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello my name is XXXX XXXX and this is my complaint I am filling this complaint since on XX/XX/XXXX in Bank of America XXXX Account, they made ( somebody ) a deposit from XXXX  XXXX which I was not aware. 

Then they made 2 transfer by XXXX which I do not authorize but the bank claims that I do authorize them to do this and that they sent me the authorization code to my phone but I have not received any code. 

I understand that what the bank is doing is unfair. I have not received any code and any email notifying anything and they took all my money from my saving account and I have more than 4 months in that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage loan was sold from XXXX XXXX to XXXX XXXX XXXX, effective XX/XX/2018. In XX/XX/XXXX, I received a letter changing the contract they purchased without my permission. XXXX XXXX XXXX created a " cushion ''. Though the raising of the mortgage payment occurs to mitigate the increase in taxes and escrow, is normal and is reflected in a somewhat nominal increase - XXXX XXXX XXXX XXXX cushion of {$1100.00} has raised my monthly premiums by {$210.00}. I was not asked if I wanted this cushion and I do not agree to it. I am a Veteran and no loans I have ever had, have ever increased to this magnitude. No one has ever forced a cushion upon me. I do not want this cushion. I am retired on a fixed income and I am currently seeking Veterans Compensation for injuries and medical conditions resulting from my military service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: MI
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. 

XXXX XXXX XXXX : XXXX XXXXXXXX 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 an 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 information is inaccurate.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a wells Fargo customer and someone took money out of my account. I had XXXX in there and the people who took my money overdraft my account by thousands. I called as soon as the fraud happen and the merchant stayed I was responsible cause I applied for some thing and thats how they may have received my information. they kept tacking on fees and closed my account. I tried to talk to a manager they would not allow me. I am very upset as they took my money and closed my account and put this on my credit. Every one I talked to kept saying i had to talk to another person and just kept passing me around. I thought I had protected myself when as soon as I seen the account being attacked I called.

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 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On this portal dated XX/XX/2018 Transunion responded that I requested a reinvestigation and dispute. I DID NOT! My complaint was addressing Transunions non compliance of the FAIR CREDIT REPORTING LAWS! My complaint is NOT for a re-investigation it is for their method of verification of inaccurate information they are reporting on my CR. I mailed this attachment with supporting documents. Its been over 60 days and I have received nothing. CFPB when will you step in and stop these law breaking tactics by these reporting agencies? I want Transunions methods of reporting not their dispute or reinvestigation so I can prepare my lawsuit.

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