BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: Experian Information Solutions Inc.
State: MA
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:
I paid off my Lease with XXXX XXXX. In fact I overpaid and was issued a refund by because I over paid. At that point I believed I was done with the lease. I was subsequently billed for excise tax a month after I traded in my car. I was not aware of this bill. I did not find out about it until I received an alert from Experian. XXXX refuses to remove the late credit report mark. I paid off my lease. I had a zero balance after they refunded my over payment. I never received the subsequent bill. XXXX  XXXX told me to keep my plates because all the offices were closed due to the XXXX. I want them to remove the late payment from 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 2018-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2021-02-11
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, after checking my credit report, I noticed I had a collection agency charge for {$3100.00}, with the original debt collector being XXXX. 


After calling the debt collector, I was told the the account was open in XXXX. I explained that I was still in high school, never had heard of the address that they had on file, and had never opened an account with XXXX. I asked for a copy of the contract with my signature and some identification that showed I had opened the account. It was explained that those records could not be provided due to the length of the account. I filed a dispute with that company and all three credit bureaus. 

The account was removed. 

On XX/XX/XXXX, the information again appeared on my credit report. I immediately filed a dispute with the credit bureaus. I called Convergent Outsourcing explaining the situation and what steps to take to get the item removed. The agent told me that I would have to provide them with a police report. At this point, I have never had any contact with this company. The address that she had on file was one that I had never heard of. I provided the agent with my address to send all correspondence. At this point, this account is not and was never one that I owned and I am requesting that it be removed from my credit 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 2018-05-10
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
I recently reviewed my annual credit report and found that there are adverse remarks on my record. I have a charge off remark from the credit card Chase Slate. However, I profoundly disagree with such remarks. This reporting done on the behalf of chase is inaccurate and although I have reached out to them they have failed to resolve the issue.

On or around XX/XX/XXXXI decided to end my business with Chase as a result of the negative experiences I had with the bank. I switched over to my local credit union and when I ended my affiliation with them I could no longer access the online accounts which included my Chase Slate. As time progressed I expected to receive statements from the Chase credit card, but they never arrived. I never received any phone calls to attempt to collect my payment as many other cards do. It is important to note that my phone number has not changed in the past 15 years. Six months later on XX/XX/XXXX, I received a phone call in which I was notified that I was past due on the account and they were attempting to collect what I owed. The amount the person told me to pay was {$880.00} which I diligently paid as instructed. The person failed to inform me that I still owed {$370.00}. It is also important to note that I never received documentation that confirmed my payment to the debt. As a result of their failure to fully disclose any further information, the {$370.00} became the amount that has been charged off since XX/XX/XXXX without my knowledge or consent.

Had Chase been transparent with me and solely wanted to retrieve their money I would have paid the full amount as I did when I was instructed to pay the {$880.00} amount. I feel that the failure to inform me of my own account has resulted in a black mark on my record and has haunted my credit score for years. I reached out to Chase again in XX/XX/XXXX and threatened to seek legal action and it was until then that they agreed to remove the charge off and settle the debt. I again reached out to Chase a few days ago and was informed that it appeared that my debt had been sold to a debt collecting company, come to find out this was another LIE. After reviewing my bank statement for the month the debt was PAID, it shows the payment went to CHASE, chase E-pay to be exact is what it says on my statement. I am infuriated by the lack of professionalism Chase has demonstrated when trying to solve this problem, lies after lies. I am infuriated because this is absolutely not an accurate portrayal of my reliability and dependability to pay my debts in a timely manner. I feel I have been underhandedly placed in this situation due to my discontent with the problematic and fraudulent company that Chase is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Sequium Asset Solutions, LLC
State: CA
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:
The company responded to me threw cfpb stating that they was removing this debt from SEQUIUM ASSET SOLUTION account # XXXX from all my three credit bureaus because I sent proof that this account is fraud I sent proof of police report and identity theft and this account wasn't removed from my credit report its still showing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Someone fraudulently opened an account in my name. They also fraudulently opened a loan in my name. Both were fraudulently opened on the MoneyLion site.. probably on or around XX/XX/2021. 

I received a debit card in the mail and called MoneyLion customer service as soon as I received it, so as to report FRAUD. I was told that it would be closed and that I could shred the card. I did. 

However, I recently received information from my *actual* bank that MoneyLion tried to debit 2 things from my actual checking account on XX/XX/2021. As I had already been a victim of fraud, my bank has restricted debits from my account and will only allow debits that I approve. I rejected these. 

The debits appeared as the following on my actual ( XXXX ) account : XX/XX/2021 XXXX XXXX XXXX XXXX {$19.00} XX/XX/2021 XXXX XXXX XXXX  XXXX {$44.00} I have been unable to contact anyone at MoneyLion about this. I guess it was a different phone number on the debit card ( that I have shredded and discarded ) than is shown on MoneyLion 's site, because I can not find my way to a person on their published customer service phone number. 

I submitted a web form on MoneyLion 's site asking to PLEASE CLOSE THE FRAUDULENT LOAN IMMEDIATELY. However, that is all that I have been able to do. 

I am not confident that this fraud will be shut down by MoneyLion, and I do not want my credit to be hurt because of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Discrimination by Citibank After a recently having a Citi card charge denied for reasons that have not been adequately explained by Citi, I encountered a fraud department that engages in blatant discriminatory behavior. Citibank, as a condition to having one of their credit cards, requires a texting relationship between the bank and the customer. 

I experienced the downside to this when Citi refused to help me because my phone does not accept texts from unknown sources. Mandatory texting with a bank is not only preposterous, it is a dangerous and prejudicial policy. 

Based on data from XXXX XXXX, only 82 % of white Americans own a smartphone. Slightly less for XXXX and XXXX Americans. When further broken down by education, income, and location, there are larger disparities. For example, only 72 % of high school grads and only 71 % of rural residents have a smartphone. ( XXXX XXXX XXXX ) According to XXXX, only 74 % of people over 55 own a smartphone. ( XXXX  : XXXX ) So how can a major bank try to enforce smartphone usage and texting with its customers? This practice is discriminatory on multiple levels, including income, race, age, and location of residence. 

While its fine for smartphone users to opt-in if that is their choice, this practice deliberately harms millions of Americans who do not, can not, or choose not to text with a bank. 

Regulatory authorities need to step in and stop this discriminatory practice at Citibank. 
Thank you.

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 2020-10-14
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, the day these fraudulent charges were discovered. XXXX XXXX reported the charges to an XXXX agent ; the result of which the agent determined that the charges were fraudulent and that XXXX XXXX was not liable. The amount of these fraudulent charges were {$12000.00}. 

On approx. XX/XX/XXXX or XXXX, 2020, Amazon Visa unilaterally charged XXXX with approx. {$8900.00}. These charges were again disputed by letter on XXXX XXXX, 2020. See Attached letter to Chase Bank. 

All of the charges listed in the attachment from Chase Bank were fraudulent and unauthorized. These charges were made after XXXX XXXX took my credit card which was then sold to another scammer. 

Most of the merchants in the detail printout I have never visited or made any purchases for example, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, or the XXXX XXXX. 

Chase states next to each transaction on the printout of fraudulent charges, that " you have received the benefit from this transaction ''. This is inaccurate as I did not benefit from the transactions because I did not make any of the purchases nor did I authorize the fraudulent charges. Chase has not contacted XXXX XXXX as of this day, XX/XX/2020, nor have they contacted me, the cardholder, for a sworn statement. Chase has not shown any video with my image making these transactions. 

**Please note : On the attached affidavit, it states that the fraudulent charges are highlighted in yellow. However, I have attached the current printout from Chase so the charges will not be highlighted in yellow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}.

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 finance 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 to the Truth in Lending A

ct, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to rev
iew for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-02
Company: WELLS FARGO & COMPANY
State: MA
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 am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 non-monetary relief
Consumer complaint received 2020-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX  XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX 5. XXXX   XX/XX/XXXX 6. XXXX  / XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611

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 2021-11-04
Company: American Financial Network Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I am an unsatisfied customer who I applied for a refinance loan in XX/XX/2021. All went well and I was approved until XX/XX/2021 when the loan officer XXXX XXXX called me in regards to my credit report where another report showed on my credit report in which I was paying and I told her that. I had already been approved by XXXX XXXX, Production Manager for the loan. Not understanding the problem since my credit score is almost XXXX but actually my biggest complaint is that I never heard from the company again in regards to being approved or denied. This is no way to handle customers and I am very upset with this result. I plan on reporting this to the XXXX XXXX to let other people who apply at this financial company how they take care of their customers. Not good customer service. I could have at least received a phone call or a letter in regards to my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
In response to my last 3 complaints XXXX, XXXX, XXXX, Experian responded Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request So I am asking now, what proof of Identification does Experian need to take action per my request? And take in consideration that I am homeless at this time so a utility bill is not a option unless they want an outdated one, and I do not want direct contact with Experian, I want everything going thru CFPB because Experian have proven they are not willing to be fair or impartial in their investigation. I have stated numerous times that I XXXX XXXX is initiating this complaint and no one else is doing this on my behalf.

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 2019-09-13
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I need to have my alleged debt with COMMONWEALTH FINANCIAL SYSTEMS addressed regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collectors where they buy a debt that has aged out and then re-report it on your credit as of the date they purchased it. The account in question has passed any/all time limitations. This Company should be investigated for their practices not only in my case but in all the consumers they have affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: U.S. BANCORP
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I HAD A LOAN THROUGH US BANK IN 2014, THE CAR TOTALED AND THE INSURANCE COMPANY PAID OFF THE LOAN. US BANK EVEN GAVE THE INSURANCE COMPANY THE TITLE OF THE CAR. I WAS TOLD THAT I HAD TO MAKE ANOTHER PAYMENT AFTER THE TITLE COMPANY PAID OFF THE LOAN-SO I DID FOR XXXX. I THOUGHT THIS WAS VERY WEIRD, BUT I HAD MISSED ANY PAYMENTS AND DID N'T WANT TO DAMAGE MY CREDIT. EVEN THOUGH THE INSURANCE COMPANY STATED THAT THEY GOT A PAID IN FULL LETTER FROM US BANK. NOW I SEE A CHARGE OFF ACCOUNT FOR XXXX ON MY CREDIT REPORT FROM US BANK, THEY ARE STATING THAT I SHOULD HAVE WRITTEN A CHECK FOR XXXX, AFTER THE INSURANCE COMPANY PAID OFF THE LOAN. BUT I CA N'T GET ANY DOCUMENTATION FROM US BANK AND THE CHARGE OFF DEPARTMENT IS STATING THAT I OWE IT " PLAIN AND SIMPLE ''. SOMETHING IS NOT RIGHT HERE.

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 2020-06-23
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed the following letter on ( XX/XX/2020 ) to The XXXX XXXX XXXX XXXX XXXX in XXXX Texas, XXXX. I had made the necessary rehabilitation payments, and provided the collection agency with the receipts, agreement, and contract. I included tracking with USPS to verify it was received by the dept of debt management, yet they deny that I made any payments. The letter is as follows : " To whom it may concern : I am writing the letter to request a hearing for my rehabilitation agreement with Pioneer Credit Recovery. I completed the rehabilitation program, and have provided copies of : The signed agreement The 9 payments made and received ( as per the MYEDDEBT.ED.GOV site ) Any correspondence Pioneer Credit Recovery sent to me ( receipts, etc. ) However, after completing the rehabilitation program ; the status of my loans never changed, thus making me ineligible for Title IV aid. I would like to have a hearing with someone who is independent of the Department, so that I may present my objections regarding the amount/existence/status of my loan. 
Should you have any questions, or would simply like to touch-base, please do not hesitate to contact me at ( XXXX ) XXXX or by e-mail at : XXXX. 
Warm Regards, XXXX XXXX '' I mailed the documents ( see  attached USPS receipt w/ tracking number )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Experian Information Solutions Inc.
State: PA
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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