BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-17
Company: CITIBANK, N.A.
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:
BEST BUY/CBNA XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inaccurate reported late payments on 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 2019-03-11
Company: HOPE BANCORP, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX  has furnished a lien on our property and is aggressively attempting to collect on the debt that was included and discharged in BK chapter XXXX back in 2011 ... When trying to resolve this I called XXXX XXXX with NO luck nobody ever answers the phone line, I written to the address on file 4 letters since XXXX of last year with NO response from them. Now my wife and I are getting calls at work and at my parents house from them demanding a payment in full for this Loan #  XXXX. I can never get ahold of an individual to speak to. We only get threatening messages left on our phones with calls at XXXX or close to XXXX as well as left with my assistant at work. this is ridiculous I should be protected under bankruptcy code. Attached please see proof of bankruptcy and a proof of this account being included in the bankruptcy. I seek release of this judgement immediately or I will go to attorney general 's office to see further remedy on this

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 2022-07-13
Company: Berlin-Wheeler, Inc. (Kansas)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I will attach paid proof and response from company. Here is my past complaint with CFPB - XXXX - Its very simple. I had a collection, it was paid on XX/XX/2022, and for the last 4 months I have been trying to get the companies of Berlin Wheeler and XXXX to accurately report that. It was a pay to delete. It was handled correctly by XXXX and XXXX. Not so with XXXX. XXXX blames Berlin Wheeler, Berlin Wheeler blames XXXX. This is damaging my credit. And, not what we agreed to. This needs to be handled immediately. You will see my paid receipt and Berlin Wheeler response attached to this. You are ruining peoples lives by reporting not correct information and refusing to correct it.

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 2023-03-17
Company: Persolve, LLC - Legal - Series 2
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian credit agency continue to report a negative collection account for Persolve Legal Group. That I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: F&M Capital LLC
State: NE
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX I was contacted by a company called F & M Capital who said I owed money to a payday loan company from XX/XX/XXXX. The name of the Payday Loan Company was  through an XXXX XXXX named XXXX XXXX XXXX. I was going through a divorce in XX/XX/XXXX, and needed money to pay for my attorney to keep the custody of my children. I thought I had paid all of my debts, and transferred them when I moved, but I somehow missed this one. I was threatened by someone named XXXX with legal repercussions to include my not being allowed to open bank accounts in the future and said I committed fraud. I did not know the amount I borrowed, and he said I had made payments at first, but stopped. I explained that I moved, and did not know all of the debts did not move with me. I asked how much I owed and he said {$1500.00} was the original loan amount. I asked if I could pay that amount, and he said no- that I now had to pay {$7800.00}. I asked him to mail me paperwork showing me this loan, and he said he couldn't. I told him I was willing to pay them the entire amount in full, as I was unaware of the debt, but needed to see how much I borrowed. He said he couldn't but he would settle with me for {$3100.00}, as he " understood my situation ''. Again I asked for paperwork. I received an email in which they told me I needed to call the loan company directly to get the paperwork through a " chain of title ''. I don't have a record of this loan. It doesn't show up on my credit report, and I feel like they are illegally threatening me. I also don't know how they could possibly charge me now so much more money even after I offered to pay the amount of the original loan. Can you please help me? He calls a few times a week and has reached out to my family members as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card
Sub-product: Store credit 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:
My landlord XXXX XXXX went into my room I rented from her stole my XXXX  drivers license. XXXX XXXX XXXX over XXXX times, XXXX XXXX police XXXX XXXX  # XXXX responded. I said my stuff was stolen while XXXX inspected my room. All XXXX  officers appeared XXXX at a time and did not arrest her. 
XXXX XXXX appeared with XXXX XXXX witnessed XXXX throwing all my food out. 

XXXX bank statements were stolen by XXXX XXXX XX/XX/2023. I didnt authorize anyone to put any credit cards-in my name XXXX XXXX XXXX XXXX at all. 
She has my social security card, XXXX birth certificate as well. I left everything when she along with XXXX # XXXX & XXXX # XXXX left me unconscious in my own blood inside XXXX XXXX XXXX XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: AZ
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-11
Company: EQUIFAX, INC.
State: MI
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:
Last year when i requested my report from Equifax they had incorrect information on me and they were confusing me with someone else with the same name. I just tried to order my yearly report and the questions they asked to confirm my identity had nothing to do with me at all and now i have to be extremely inconvenienced and make copies of documents, gather information and use a stamp because i have to order it by mail. Why is Equifax the only agency that does this to me? I thought i had this problem resolved but they obviously are doing the same XXXX thing. They are not careful with information and that affects peoples lives in a negative way. There should be huge fines for each instance they are careless with peoples information and the people affected by their carelessness should be paid too. On my teport last uear they had a XXXX address for me and were associating me with another person of the same name and it looks like theyre still doing it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 I was checking my credit and was making sure I everything was paid on time and was still on the right track. I actually noticed that its some unauthorized hard inquiries that I didnt apply for that are there. Ive sent a letter to all XXXX bureaus and told them that these inquiries are unauthorized, they still havent removed them. I dont know what going on or if the bureaus are working or its technical difficulties. But I would like to get a fair resolution to this issue by deleting these hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello, Complaint against JPMorgan Chase bank, address XXXX XXXX XXXX, North Carolina XXXX, XXXX XXXX XXXX, doubt for helping scammers collect money and money laundering. 
One of my clients was scammed into paying to a scammer 's account in JP Morgan chase bankon date XXXX XXXX, and on date XXXX XXXX payment arrived on the fraud bank account, JP Morgan chase bank allow Open an account without formal company authorization, doubt without verifying the authenticity of the account company, then cause our customer lose USD XXXX. 

Just hope can help us to help our customer compensation for customer losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: FL
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, XXXX XXXX, Consumers am aware Dated on XX/XX/2022 CFPB complaint ID XXXX that XXXX XXXX XXXX XXXX XXXX Stated XXXX XXXX XXXX XXXX XXXX to report accurate information to the credit bureaus : therefore we can not accommodate your request to remove the negative information : however, we have requested the credit bureaus to flag the tradeline as Disputed However, Congress Policy under Gramm-Leach-Bliley Act makes it very clear that such Financial Institutions are REQUIRED to give their Customers/Consumers the opportunity to exercise their right ( s ) to Opt out of furnishing their nonpublic personal information ( See 15 U.S. Code 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) ).

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now all I, XXXX XXXX, need for you to do is clarify that youve complied with Federal Law Gramm-Leach-Bliley ACT as required to give me ( XXXX XXXX ) customer and consumer such opportunity to exercise my rights to Opt out of furnishing my nonpublic personal information. 

Respectfully, Thanks, Best Regards. 
XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
on XX/XX/XXXX I called in to Wells Fargo to let them know that I was going to be a little late ( not 30 days ) due to 16 people that I had in my house effected by the hurricane and the expense that it took to take care of the situation. 

I was then told, " oh.XXXX XXXX  we have a program to help those effected by the hurricane. A 3 month relief that will wave three months payments, late fees, and will not harm your credit.

I said : I do not want to do that if they were not able to defer the payment. 

she said, '' no. no. no. that the program was set up so we did not have to worry about the payment, so we can concentrate on getting passed the hurricane situation. the program was not in full but that there would be options at the end of the program that we would be able to go over. 

I said again that I did not want to do it if they were not able to defer the payment. 

she said that was one of the options but that the investors had to review my situation to make sure that I qualified for that. 

During the time of doing this program I have been constantly harassed about collecting a debt? that in the middle of the program the investors took away the deferment and instead were doing a modification. constant times I told them that was not said at the beginning and if I knew this was the situation I would of just took the XXXX fee and told my family I couldn't help. I have since gone threw three different case managers, all that do not know what is going on but specialize in deflecting the situation at hand.

I have had my credit hit 80 points twice effecting me getting into a vehicle. Have letters put on my door and mailed to me about foreclose and collecting the debt. I then get the statement from wells Fargo that I elected for the program but have to remind them that I didn't call and ask for assistance, initially turned down the program and was pitched a second time. I have told them that what was told to me from the beginning and that if I knew it was not a possibility then I would not of taken them up on the offer. I have told them that all conversations are recorded and for them to go back and listen. I feel that Wells Fargo is taking advantage of a situation for profit purposes. This is not right. I have never missed a payment, no bad remarks on my credit for it and here and being forced to do something almost since I do not have the money to get the three payments to them. 

They then call me and say that I was approved for a modification? I was alike approved I never applied. They then began to tell me that the interest rate was being rasied and they were going to stretch my loan back out to 360 months but the payment was only going to decrease XXXX dollars. so much doesn't add up and with getting three different reps nothing is the same when they call.

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 2023-04-12
Company: EQUIFAX, INC.
State: MD
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:
Letter Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure RESOLUTION As a consumer. by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating informations and deleting and accounts In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account.

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPA violation breach, there are medical collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I previously maintained an Advantage Plus Banking checking account and an Advantage Savings account with Bank of America, the accounts were opened on XX/XX/2022. 

On XX/XX/2022, I was trying to request a transfer of funds ( {$10000.00} USD ) from my XXXX XXXX  XXXX XXXX US account to the Bank of America account. I am the owner of my XXXX XXXX  XXXX XXXX XXXX account, and I had sufficient funds to be transferred when I requested. In addition, I have also successfully linked my XXXX Bank XXXX XXXX US account to the Bank of America account prior to the transfer. 

However, Bank of America insisted that the above-referenced deposit from XXXX Bank was unauthorized and belonged to a third party, Bank of America claimed it was fraudulent activity and closed my accounts. 

I have already provided evidences including a letter of proof from XXXX, which confirmed my account ownership and my good standing with the XXXX XXXX XXXX XXXX XXXX bank, along with my XXXX Bank XXXX XXXX US account bank statement with the fund transfer history.

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 2023-11-24
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received two digital American Express Reward Cards ( totaling {$150.00} ) through my employer fitness program and am unable to make any purchases online with them. I have attempted purchasing directly with the card number as well as indirectly with XXXX XXXX and XXXX. Additionally, I am unable to add the card to XXXX to attempt purchasing with them. I have also attempt to contact the company through the number they provide, but do not receive any method to speak with an individual to resolve my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11
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: Their investigation did not fix an error on your report

Complaint:
As a consumer, I feel like I'm being pushed down the road. I have tried over the past 2 yrs to have the 3 major CRA 's correct items on my credit reports through dispute letters. I decided now to take things further because I am not happy with the results. I recently sent my dispute letter to Experian on XX/XX/2019, today I received my dispute results. I was so disappointed. In fact, my formal written request, I specifically asked if they would investigate these " Unverified '' accounts listed. I also asked Experian to do so through " physical verification '' of the original signed contract, all accounts posted on my report to assure accuracy, according to FCRA statue in which they are required to do. 

Well, they never sent me what I specifically asked for, like the original contract that they are supposed to have on file according to the FCRA 611 ( a ) ( 1 ) ( a ). The following accounts I listed for them to verify or remove immediately. 
1. XXXX XXXX XXXX  - XXXX ... 
2. XXXX XXXX XXXX - XXXX 3. XXXX XXXX XXXX - XXXX Here is Experian 's response : ( " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail. '' ) Why are they conferring with a creditor? The law specifically states they ( CRA 's ) should have this information in their own file.

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