BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: Experian Information Solutions Inc.
State: NC
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:
I am trying to secure a home loan at  XXXX   XXXX    XXXX   in  XXXX  NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have  contacted  XXXX  of the  XXXX  accounts which are fraudulant accounts to have them closed or to inform  XXXX  of the accounts that have balances, that they were not opened by myself. One  of the organizations   XXXX   XXXX   acknowledged the fraud activity when none of the information provided matched their information.   The other organization  XXXX   XXXX   XXXX  has been highly uncoorperative. They have been contacted over 6 times sinc e  X/X/17  whe n the report was run. I can not speak to anyone higher in the corporation than a floor manager, who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on   X/X/17 ,  two more times with dates I did not document. On  X/XX/17  I   spoke to the floor supervisor  XXXX  who opened a case report and informed me that someone would contact me to further the case. No one called. On   X/XX/17     I spoke to   XXXX    who opened a case, took down my information and told me someone will call me. Noone called. On   X/XX/17  I  spoke to  XXXX  and  XXXX  who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of tim e they have charged me a 30, 60 day late charge and reported to Experian,  XXXX ,  XXXX  lowering my credit score. I was also informed that they are going to charge me a 9 0 day late charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed  XXXX  to help in the battle.  XXXX    XXXX    will not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are  XXXX   XXXX   XXXX  and credit card division  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 2023-03-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2022-10-13
Company: HYUNDAI CAPITAL AMERICA
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 status incorrect

Complaint:
This is in regard to incorrect late payment status they have been reporting to several credit bureaus. Ive tried rectifying this matter through them but have been unsuccessful as they continue to incorrectly report the information. Specifically, they continue to report that my final monthly payment on my auto lease was XXXX days past due. This is XXXX XXXX false. 

The lease period ended on XX/XX/XXXX. The vehicle was returned on XX/XX/XXXX. All payments for the duration of the term were made through their web portal. For whatever reason they did not process this web portal final payment until XX/XX/XXXX, even though I made the payment in early XX/XX/XXXX. The reason they did this is not knownmaybe their web portal was not operating properly, maybe their staff was unavailable during the holiday season, maybe they simply didnt get to it until the first Monday back after the new year, which conveniently coincided with the lease end date of my vehicle. I also notice on the payment history that the transaction amounts of {$12000.00} was entered on that date as well as a refund AND payment applied of {$290.00}, so clearly someone there was messing with the numbers of payments that coincided with the exact date of me returning the vehicle. 

In any case I am requesting they immediately stop reporting that this payment was late to any and all credit bureaus. In the entirety of this loan this account was NEVER XXXX days past due, certainly not the final payment I made in XX/XX/XXXX. I have nevernot once been past due on any credit account I have ever owned. 

As you can see from the attachment, they applied the XXXX payment I made in XXXX AFTER the fact on the exact date I turned the car in physically. They dated it the XXXX ( same day ) then did some sort of refund... then added it back on. Someone screwed up and they were trying to get all the $ numbers to line up.

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 2022-11-17
Company: EQUIFAX, INC.
State: AR
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:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: CITIBANK, N.A.
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX, a outdoor vendor fair was operating I was several people who were victimized by this particular company, XXXX XXXX Their phone number is XXXX Name is XXXX I did not give her my personal info, how she got it I dont know, but shes victimized others that same day & some have received resolutionXXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX Colorado XXXX that sponsored this particular vendor, told me they ripped off others & they have gotten reimbursed. Ive have filed a police report, I have spoken to XXXX XXXX to assist because I am a member, I have phone, texted & emailed the vendor several times Ive been in continuing conversations with my credit card company Citi bank If you have any advice to add it would be appreciated Thank 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 monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need the items to be removed ASAP for their erroneous status. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 2023-01-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a senior citizen and I'm on the HAF program they paid my Mortgage and my mortgage company received the payment and refused to posted the payment and charging me a late fee I called several time and was told they received my payment but its not yet posted by they keep on calling me about late payment also charging me a late fee, HAF sent the payment on XXXX also XXXX XX/XX/23 select portfolio not posting the payment and causing me issues with my credit I called them several times and they acknowledge that they did received the payment and another department is handling those payments as of today the payment received posted to my account and causing me stress and fear, at XXXX XXXX XXXX XXXX cant handle this stressed from them, Please see all the letters from select portfolio services also my HAF approval letters XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was billed to wrong insurance thats no longer open. Therefore didnt get paid and sent to collections. I called collections and told them that and that the debt is {$0.00} at the business office. The representative stated would not contact business office and that I was past the date of something? which I didnt understand. She stated they would not contact business office to verify the bill is now {$0.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: SLM CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This not my loan I never attended any school online or in person attached to this to loan nor did I authorize or agree to any loan amount with XXXX or personal or private loan companies this is a case of identity fraud and I would like this removed from my credit 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 2022-11-17
Company: Experian Information Solutions Inc.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX .... Balance : {$17000.00}

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 2023-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On Kohl 's credit card, I had setup automatic payments for the statement balance for every month. The credit card ( Kohl 's ) shut off the automatic payments and did not inform me. I pay ALL of my cards statement balances off every month. Since the automatic payments was turned off by them, the minimum payment was not made and the card became 30 days overdue and reported it to the credit agencies, this made my XXXX XXXX score drop to XXXX and move me from excellent credit to good. I spoke with Kohl 's but they said they will not do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo stole money from my account for years as well as taking fraudulent fees. I've been waiting to be made whole ... Now, Wells Fargo executive " XXXX '' says I need to do the investigation, to provide her with info, about the crimes they committed. 
( Info that wells Fargo has ). The USA government ordered them to stop robbing their customers and pay them back.

They won't tell me what department to contact nor will they give a reason and summary of a recent fee reversal. Add though giving me a couple XXXX dollars unannounced or agreed upon, is my settlement, I have had absolutely no contract from wells Fargo, so I called them, a case number has been issued. 
I spoke with a awful woman who ... XXXX... turned crazy on out phone call ... and wouldn't answer my questions. 
*A RECORDED PHONE CALL*. 
I have tried so much to get them to do the right thing... I need help. They are trying to brow beat me into submission, I'm XXXX and can't take it anymore. I just want to be paid back nothing more, now less.

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 2023-03-03
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Law Office of Michael J. Scott, PC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX is send me collection papers representing themselves as Scott & Associates PC. They have yet yo prove I owe the debt, but they are sending letters from an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: OneMain Finance Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the relentless harassment and abusive debt collection practices employed by One Main Financial. My objective in filing this complaint is to seek assistance from the CFPB in resolving this issue and ultimately requesting the waiver of the debt owed to One Main Financial due to the severe emotional distress and harm caused by their actions. 

To provide context for my complaint, I wish to outline the abusive practices and harassment I have endured at the hands of One Main Financial : Excessive and Unrelenting Contact : Representatives from One Main Financial have been incessantly calling, texting, and emailing me at all hours of the day, including weekends and holidays, with a frequency that is far beyond reasonable. These calls have disrupted my daily life and caused significant stress and XXXX. 

Violation of Fair Debt Collection Practices : I firmly believe that [ Creditor Name ] has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) through their abusive and unethical collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Frontline Asset Strategies, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
U was contacted by this collector out of the blue i constantly told the guy that there was some mistake and that I never even do much as received any mail from this company I also stated that I was sent new furniture due to the faulty furniture given the first time and the amount of time taken to even get help with that and I was told I did not need to pay for the new frame due to the time it took for me to get assistance as well get another frame. I never received any phone calls from the prior company after the new frame was delivered or nothing came in the mail just all contact had been done. Frontline Asset Strategies is the name of the collector that keeps calling me although I explained all of this to him he pretty much forced me into signing something to pay this huge balance back. Even after I assured him of everything that had gone on he was rude in my personal opinion because no matter how many times I explained everything to him he just XXXX down everything and said well you have to pay this if they never gave you anything in the mail or email in regards to that then you have no choice but to pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Woke up Monday XX/XX/XXXX to find my savings account had been reduced to nil. Two withdrawals of {$1300.00} and {$2300.00} were made at a banking center in XXXX, Fl. I live and operate in XXXX. I have never been to or know anybody from or heard of XXXX. I did not lose my card or give out any information. This should be impossible. Bank of America told me it can take 60+ business days to resolve. That is three months and is unacceptable. It is my emergency fund and prevents me from needing a credit card. I provided every detail BoA asked of me. This is so obviously fraud I can ' understand why they won't credit me the money back while they investigate what happened.

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