BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: NC
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-26
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
I am interested in processing disputes on my credit report with Equifax to remove an delete all inaccurate information that is hurting my credit report. looking over my file its alot that needs to be corrected. delete all invalid information to correct my credit report 100 % asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I never received a product or bill statements. Spoke with company and they started they would look into it i sent over all information i have to prove i never received the product, they told me they would place my account on hold and give me a follow up call or mail/email. A week later i started getting calls from a collections agency and also a voicemail stating if i didnt call back they had no other choice but to escalate the situation and also brought up and attorney Im guessing to scare me that i would be sued. I called them and they advised the company denied my request to look into my missing product. I am paying for a product i never received and i am still getting calls!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: ENCORE CAPITAL GROUP INC.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We keep getting calls from Midland Credit ( XXXX asking for a XXXX XXXX. When we tell them that no one by that name lives here and to take us off their list they hang up with no response. And then they call back later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted a dispute to the 3 credit companies threw XXXX XXXX. I was a victim of identity theft. I have addresses I was not associated with on my credit profile places of employment, collection accounts, and bank accounts all that were not associated with me. I have provided all the paper work and proper documentation and legal information pertaining to my situation and how its affected my credit from fraudulent. Once the disputes were all finalized the addresses and fraudulent accounts were removed and put my credit score to XXXX. XXXX and Transunion removed some of the fraudulent accounts but left some and etc. Im sending the proper dispute to have these items that were not related to me removed and COMPLETELY fixed this has ruined me financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I am the executor of my father 's estate. My father in law died of XXXX  in XXXX ; my father died in XXXX. I am managing both of their estates. 

I am in the process of selling my father 's house. The title company asked for a payoff statement from Wells Fargo. On it is a charge for {$2100.00} for insurance. 

I can only surmise this charge is there because I was late in paying my fathers XXXX XXXX homeowners policy for {$270.00} due to the delay in mail forwarding from Pennsylvania to my home in Kansas. The policy was paid in full on XX/XX/XXXX and was registered on Wells Fargo website by me on XX/XX/XXXX per their instructions in a letter to my deceased father. 

How can Wells Fargo ask for {$2100.00} for a {$270.00} homeowners policy and possibly delay the sale of this property based on their inability to read their own systems?

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 2017-05-30
Company: Firstsource Business Process Services, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter fro m Firstsource Advantage LLC dat ed  XXXX    XXXX ,2017  stating that an account (  XXXX   XXXX  Credit Card ) has been placed with their organization for collections with a balance of {$1200.00}. On  XXXX   XXXX ,  2017  I sen t Firstsource Advantage LLC a letter that t hey received on  XXXX   XXXX ,  2017  to provide me with proof that this debt belongs to me. As of  XXXX   XXXX ,    2017  I still have not received a response fro m Firstsource Advantage LLC. Theref ore, the collection agency failed to validate this debt in the required time frame. I have attached a copy of both their letter and mine along with proof of them receiving my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
I am writing to dispute the following information on my credit report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The accounts were discharged because the creditor filed a 1099-C form with the IRS, indicating that the debt was canceled and reported as income. Therefore, this account should not appear as unpaid or delinquent on my credit report. I have enclosed a copy of the 1099-C form as proof of discharge. Please investigate this matter and update my credit report accordingly using the Metro 2 format and in compliance with the consumer law from the USC, Title 15, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Truist Bank Checking Account Transactions- all dated XX/XX/XXXX ; listed in order : {$890.00} - direct deposit {$370.00} - XXXX  transfer {$280.00} - XXXX transfer {$36.00}. - overdraft fee {$20.00} - ATM withdrawal {$36.00}. - Overdraft fee {$120.00} - ATM withdrawal {$36.00} - Overdraft fee The direct deposit covered every transaction i completed ; I should not have been charged overdrafts. Truist will not remove because only two every two years ; same problem twice before and no more courtesy removals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TD BANK US HOLDING COMPANY
State: GA
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:
In 2017, XXXX leaked the personal data of over 143 million Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting a fraudulent account. know for sure that a collection company can not collect a debt on behalf of another, this debt does not belong to me and I have never done business with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: AES/PHEAA
State: PA
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:
The XXXX XXXX XXXX, ( PHEAA ), who use to be my loan servicer for my daughter 's parent or/ & direct plus loan, ( which is my name ), has ordered or hmade my new loan servicer, XXXX XXXX to add the direct plus loans from XXXX XXXX  XXXX XXXX XXXX XXXX added in with the other loans I had consolidated. Problem is that I requested in writing for this not to be done to the XXXX XXXX as well as XXXX XXXX. XXXX XXXX stated via phone conversation that they aren't allow to go against the XXXX   XXXX XXXX  ; however, the XXXX XXXX XXXX  keeps locking me out of my login account with them. This is making it so I am unable to sign in to send them a letter, asking why are they having loans that are in dispute & under investigation, consolidated? 
According to the written instructions even of the " borrower defense refund cancellation form '' dept, they have up to one yea to do an investigation on any case they take Then they any loan amounts in dispute, must be put on freeze! I already contacted the XXXX XXXX XXXX. about this already. Why did they still do anyway .... Oh, sreset my login infor. uso I can request & order for new login ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: TX
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account number : XXXX XXXX FCU Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account number XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 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 2023-04-26
Company: National Credit Adjusters, LLC
State: CA
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 have disputed on my credit reports and even contacted the original creditor and I was informed it was done online but couldn't give me any information on a fraudulent online payday loan from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-02-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I closed my CHASE Bank checking account in XXXX I believe. 
Chase Bank sent me a letter by mail said that I have a past-due balance of {$2500.00} which I have to make a payment on XX/XX/XXXX. 
I made the payment by cash on XX/XX/XXXX at the branch where I closed my checking account and I believe the record is in the bank 's system. 
However, Chase sent me the same letter on XX/XX/XXXX indicated that I still need to pay that {$2500.00}. And another letter was sent on XX/XX/XXXX, indicated that Chase has received my {$2500.00} as a deposit but they are unable to locate a Chase account cause I've closed my checking account. So I went back to the branch to figure out what is the problem. 
After talk with the banker, the issue is the cashier who helped me with the payment made a mistake by making a deposit instead of a payment. Payment is what supposed to be instead of the Deposit. So the banker called the phone number on the letter I received which is XXXX to change the type of deposit to the payment and told me all set. 
Surprisingly I received a letter which was sent on XX/XX/XXXX and said that the bank has reviewed my account and determined that its balance of {$2500.00} and current status are accurate, which means I still owe Chase {$2500.00}. But when I called the banker, she still told me the letter means all set. 
In last week I just received another letter that sent on XX/XX/XXXX and said I need to make the payment ASAP cause there is still a {$2500.00} past-due balance. 
It has been 4 months till today since I gave the cash to the Chase bank on XX/XX/XXXX. 
Unfortunately the banker told me that there is nothing she can help with cause the collection department and deposit department don't cooperate. 
My top claim is the Chase bank need to correct their mistake and delete my record of the over-due payment cause I paid 4 months ago. Otherwise the Chase bank needs to give that {$2500.00} back to me first if they want me to make the payment for the second time, and the record needs to be removed as well. 
Thanks for your time and I do appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: NY
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 submitted several disputes about the same issue. I sent disputes XX/XX/2023, XX/XX/2023. I either receive no response or the error isnt fixed. This is so frustrating, theyre are violating my rights and reporting inaccurate and unverified 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 non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitted several disputes about the same issue. I sent disputes XX/XX/2023, XX/XX/2023. I either receive no response or the error isnt fixed. This is so frustrating, theyre are violating my rights and reporting inaccurate and unverified 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 non-monetary relief
Consumer complaint received 2021-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with my mother online with Citibank. On XX/XX/2023 we transfered {$100000.00} from my and my husband 's bank account in XXXX to fund the new savings account. Unfortunately, we used my husband 's profile on the app to transfer the money and didn't realized it did not include my name on the transfer. Contacted Citibank in XXXX to see what was the issue since I couldn't access the account. They froze my account and set it to closure because the name on the transfer was not mine or my mother. Explained to them what was the issue, they took notes. 

Contacted XXXX and explained the problem to them. They tried to retrieve the money back from Citibank. Citibank blocked it. Called Citibank again yesterday XX/XX/2023. They still have the account set to closure, but holding to our money. Explained to them again the whole situation, but they have no solution but to wait another month until the situation is investigated. I asked to have the money sent back to XXXX since they got it directly from XXXX, but they refuse. The only solution they are willing to do is wait another month and then send a check to my husband. In the mean time, they are holding my {$100000.00}.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: GA
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:
I'm filing this follow-up complaint to formally inform Experian, XXXX, and XXXX Credit Bureaus of my intent to update my credit reports within the next 15 days. I earnestly expect these three Credit Bureaus to promptly remove the specified inquiries from my credit records. This communication is a continuation of my previous complaint, dated XX/XX/XXXX. I respectfully request that the inquiries listed in this complaint, as well as those in the aforementioned complaint, be removed upon completion of the 15-day credit report update period : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation