BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
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 an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.

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 2018-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was making my regular monthly minimum payments to Cabela 's and Cabela 's sold my account to Capital One. My minimum payments rose to over {$500.00} and I couldn't afford to pay that much. My balance was {$8000.00}. After several attempts to get Capital One to work with me, they refused and closed my account, sending it to a collection agency, XXXX XXXX XXXX , XXXX. My on-line access was closed so I am unable to login to print out my monthly payment history. I am an on-time payer and a XXXX XXXX contract employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has purchased an account from Capitol One that the person has similar names ; however, is not me. When asked in what was the social security number for the person the worker researched and said they did not have a social security number on file for this account. I asked them how could that be for all my accounts I have my social security number attached to them. After that call the lady had the account removed from the credit report stating she did not believe it was me. A few years later i started getting harassing charges and the representative was trying to get me to write fraud on the account but I refused because I stated to them how do I know its fraud on me if my social is not on this. it was then taking off of my other credit report only to reappear on another credit report a few months ago. Please help this is so annoying. Al my credit cards are up to date and I have not missed a payment on none of these accounts. this bad report is messing up my score and it is not okay. I have worked hard on my credit so no account that doesn't belong to me should be on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
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 received my credit report from ChexSystems and found errors due to identity theft. The following inquires are due to identity theft and were not authorized by me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the letter I received from XXXX XXXX XXXX XXXX saying that on XX/XX/XXXX the credit union instructed ChexSystems to remove the inquiries however as of today, XX/XX/XXXX the inquiries are still showing. The only address that should be on my ChexSystems report is : XXXX XXXX XXXX XXXX. XXXX, TN XXXX. I have attached a copy of my photo ID for address verification.

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 2020-05-04
Company: INDEPENDENT BANK CORP.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have been trying to work with my business bank ( XXXX XXXX ) to apply for a PPP loan. I have a business relationship with them. I am a seasonal business requiring a calculation based on a seasonal period, which is allowed under the PPP program. The bank is refusing to process my application for unknown reasons, trying to instead offer me a loan amount significantly less and not an accurate representation of my payroll as specified by the treasury department and the SBA. I originally submitted my application in early XXXX and have tried numerous times to talk with anyone I have dealt with. Any time I am able to speak with someone they are unable to provide any information relevant to my application, including necessary documentation they need from me to validate my payroll numbers. I believe they are screening my calls and refusing to do business with me waiting for funding to run out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Security Credit Services, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Security credit services XXXX XXXX XXXX, XXXX XXXX XXXX to ( XXXX ) XXXX has been sending me collection notices in the amount of {$1000.00} assigned date XX/XX/2017 the collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Checkr, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX checkR had distributed falsified information regarding my public records in regards to criminal action. When asked to fix my record I was informed I must pay for a report and send it to them. I was advised that as they are a private party, hired to do checks, that this DMV report should not have to be at my expense. I did send a screen of the court dispositions, however I was told without paying for the DMV report that my record will stand. They further stated that they have directly pulled a current DMV record for me on XX/XX/XXXX and previously in XXXX. On XX/XX/XXXX the XXXX verified that what was reported is no where on my records. In XXXX I also informed the company of them falsely reporting. I then mailed the court document. The same court document XXXX at ChechR referred to as the final court document, and told me I needed to submit on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase failed to fully enroll me in a travel benefit program. When I called to address the issue, Chase told me that I could still pay for the benefits out of pocket ( airport lounge access ) and that they would reimburse me fully. Now, they 're refusing to reimbursement part of the charge. 

Timeline : 1 ) XXXX 2017 : I signed up for the Chase XXXX XXXX card, and enrolled in the XXXX XXXX XXXX  program. Typically membership cards are then mailed to new XXXX members, but none was sent to me ( I did not know to expect this ). 
2 ) XXXX XXXX, 2017 : I attempt to enter a XXXX XXXX lounge with just my Chase card- they explain that I need a different card and that I should talk to Chase. 
3 ) I call Chase at XXXX. The agent re-initiates the delivery of the physical card, and tells me that, in the meantime, I may pay for lounge access at XXXX XXXX lounges, and that Chase will fully reimburse those charges. She says that the policy allows for a single reimbursement per round trip, so if I use lounge access on both legs of the trip, I should wait until they both post before submitting a single reimbursement claim. 
4 ) XXXX XXXX, 2017 : Via secure message, I submit a reimbursement claim to Chase for lounge access for {$69.00} ( {$45.00} on leg 1 and {$24.00} on leg 2 ) 5 ) XXXX XXXX, 2017 : I receive a physical letter from Chase saying that they 've approved the reimbursement of the {$45.00}. No mention of the {$24.00}. 
6 ) XXXX XXXX, 2017 : After several back and forth secure messages, a supervisor tells me that a ) their policy is to reimburse a single charge and they will not reimburse me for the {$24.00}, and b ) they have no record of me having spoken to a Chase agent about this on XXXX XXXX. 

I tried to handle this through Chase but I now feel that they 've intentionally misled me to get me to spend more than I otherwise would. They have records, I do n't understand why they 're unwilling to look at their own data to confirm this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12
Company: The Outsource Group, Inc
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX has been putting Negative reports on my credit. I have never been contacted or had any attempt to prove the debt is mine, or advise what the debt is for. There are 2 debts, one from XXXX and one reported this week- XX/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 2018-12-12
Company: HOME FINANCING CENTER
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid of my mortgage loan XXXX early in full on XX/XX/2017 as per the payoff statement provided by Home Financing Center due to many irregularities in the way the company was hiding excess payments as " fees '' or " taxes '', their not applying payments to the account as paid so that they can bill additional " late '' fees and many other problems. They have provided credits when it has been called to their attention but later " miscellaneous '' charges keep popping up to make funds disappear again. To date I have been unable to obtain my satisfaction of mortgage from them even though it has been over a year since paid. They are also continuing to damage my credit all they while they have the payment sitting in " unapplied '' to rack up more late fees. After I requested a refund of the excess payments, all of a sudden I received a purported backdated " legal fee '' cost on the account from one XXXX XXXX XXXX ( F rating at XXXX XXXX XXXX ) to make  the excess funds disappear as I had requested a refund of the escrow account. This " cost '' showed up after the mortgage was paid in full and was not noted on the payoff statement. Home Financing Center needs to lose its ability to service or write mortgages especially FHA mortgages. I would appreciate receiving my satisfaction of lien for my property by the end of this year as it is preventing me from selling it or passing it on to my children causing great damage.

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 2018-04-25
Company: Nicholas Financial 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: Account information incorrect

Complaint:
First husband died did not know he had a loan for truck and had put me on as well I was told if I paid the debt that they would finish putting paid as agreed never late because it was late due to me having no idea about the lone on the other two accounts mortage and credit card my Id and all personal information was stolen because Im on ss it took me awhile to catch it up in fact Im current but I took from other bills and paid mortage cause was told once it was current they would take off the fees as well as off report and put paid as agreed still not done on credit card also cause of robbery tried to make minimum payment till they did investigation on what was mine or the theft said wouldnt take a payment cause it would cause the fraud case to stop tried several times to paid in various ways was told it wouldnt go on credit report nope they reported it late for months that they were working on it infact I had auto pay set up and the money was in bank they never took I do not feel I should be punished in any of these cases I pay ontime always as well as do not normally keep balance more then 30 days as it shows on report now Ive got maxed out cards and bad credit for nothing to do with me not paying they ran so high and stole so much money that Im struggling to keep up all the mortage and credit cards fault they said theyd take off that was in XX/XX/XXXX still there as of XX/XX/XXXX plz help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
The email between tax preparer and tax payor got hacked.

Tax Preparer got an fake email ( pretenting it is from tax payor ) giving instructions for direct deposit for tax refund money from IRS and state into bank account. Fake email contained fradulent account number.

IRS has sent money to fradulent account but with Tax Payor 's correct name.

Even though there was correct Tax Payor 's name, Wells Fargo bank did not match the name on the ACH transfer and name on the account number so just deposited the tax refund money into fradulent account. 

If Wells Fargo matched the name of the tax refund and name of the account like most other banks do, this fraud have been stopped. But Wells Fargo Bank 's LOOSE policy of not matching the name We called Wells Fargo Bank to correct this transaction, ( just returning the money to the IRS ) but no action from them yet.

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 2019-04-12
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1-On XX/XX/XXXX I received a notice from Linebarger Goggan Blair & Sampson LLP stated as a " NOTICE OF UNPAID XXXX LANE VIOLATIONS '' requesting a payment of XXXX. I dispute this charge. 

2- On XX/XX/XXXX I responded with a signed letter sent via USPS disputing and requesting validation of the claim ( attached document " XXXXLetter_1 '' ) pursuant to the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( b ), as well as requesting that in the case of no response within the required 30 days, all references to the account be deleted ( as legally required ). 

3- I received no response from the concerned party within 30 days. 

4- On XX/XX/XXXX, over a year later, I once again received I received a notice from Linebarger Goggan Blair & Sampson LLP stated as a " NOTICE OF UNPAID XXXX LANE VIOLATIONS '' requesting a payment of XXXX. 

5- On XX/XX/XXXX I responded with a signed letter sent via USPS disputing and requesting validation of the claim ( attached document " XXXXLetter_2 '' ) pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), as well as requesting that in the case of no response within the required 30 days, all references to the account be deleted ( as legally required ). I also asserted that New York State has a one-year statute of limitations for collection of XXXX debt, therefor making any collection attempt beyond the statute of limitation. 

6- I received no response from Linebarger Goggan Blair & Sampson LLP within 30 days. 

7- On XX/XX/XXXX, almost 2 years from the last letter ( and almost 3 years from the original letter ), I once again received I received a notice from Linebarger Goggan Blair & Sampson LLP stated as a " NOTICE OF UNPAID XXXX LANE VIOLATIONS '' requesting a payment of XXXX. 

8- On XX/XX/XXXX I responded with a signed letter sent via USPS informing of a pending complaint to the CFPB and once again disputing and requesting validation of the claim ( attached document " XXXXLetter_3 '' ) pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), as well as noting all references to the account should have now been deleted at two different instances as is legally required. I also re-asserted that New York State has a one-year statute of limitations for collection of XXXX debt, therefor making any collection attempt beyond the statute of limitation.

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 2017-11-28
Company: Account Control Technology, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I was contacted by XX/XX/XXXX on 1XX/XX/XXXX about a school loan that I do owe. I made a agreement with them on that date to pay {$110.00} per month to bring loan out of default. I made a payment on that date of {$110.00} to enter the program. they notified me that I had to do this right now to avoid garnishment. XX/XX/XXXX later notified me that after recalculating my budget that my payments would be raised to {$160.00} and I agreed and made another payment at that time of {$47.00} in order to be in compliance of agreement. After making this agreement Accounts Control Technology moved forward with wage garnishment on XXXXX-2017. Accounts Control technology was deceptive in making this agreement knowing full well that they had no intention of honoring it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
spoke with the president of the company and she insisted that this was my name ... address and everything that belonged to me ... .I informed the lady that I was or did not apply for no credit or whatever this was she was trying to say ... .she was very argumentive and did not want to hear anything that I wanted or needed to say ... ... All she kept saying was she understand but it's nothing that she could do because all the information that I had given to her was me ... ..I told her Yes it's me that I am giving because it's my name you are asking who am I ... ... ..but I did not apply for nothing ... ... ..she is very very rude ... .All I am needing them to do is take these hard inquiries off of my credit because I did not ... Imean I did not apply for Nothing ... ... I am not understanding how someone who is saying that they did not apply for this and it can count against them ... ..

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 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent 4 dispute letters to Trans Union to update or remove inaccurate information from my credit profile, and they have not did there due diligence in this process, meaning they are getting results back in less than a week, proves to me that they are not following the FCRA guildlines and just using the XXXX system, and not letting a letting a human actually do there job. They have yet to send me documentation on how the investigation was complete and proof of documentation from the original creditors in question. I have asked for this information several times with no results, they probably are use to consumers just saying forget it but not me. they need to be held accountable for not following the laws and making there own rules. they hoped I would just go away but guess again.

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 2020-08-26
Company: EQUIFAX, 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:
While I have been going back and forth with all the banks, credit people and all, it started about 2017 less then a year after my XXXX brother died. Once he died some how his ssn ended up on credit report along with all his debts followed by every account of mine is closed, no bank will accept me nor credit card. I have no debit but some how have incurred about 100 inquires that I can account for some but maybe 12 and it continues to get worse. I am unable to verify my identity online, lost a job because I couldn't accept direct deposit. I'm on the brinks, then to top it off I'm ready to loose it. Please help me. I have contacted everyone.

Company response to consumer: Closed with explanation