BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
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:
the account does not belong to me and is fraudulent, police report and Federal trade commission was informed XXXX  XXXX XXXX and continues to report fraudulent information after putting on notice that the account was a fraud and was not open by me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am the executor of my XXXX brother ... ..I set up an account with my local Chase bank to manage the account ... ..I recently received a check from the US Treasury Dept that has my name & my XXXX brothers name on the check ... .I tried to deposit that check into the established estate account ... .and my local Chase agent would not let me deposit that check into the established estate account ... ..!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 filed a dispute with Transunion regarding inaccuracies found on my Transunion credit report. Transunion claims they did an investigation and updated the accounts, did not provide me with physical documentation substantiating their investigation. The accounts are still inaccurate and are a violation of the FCRA

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 2019-08-30
Company: GREAT LAKES
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had issues with this loan, which honestly my credit score at the time should have NEVER even been approved it was a shock to me and my spouse. I kept the loan in deferment as long as I could while waiting to see about the lawsuit with XXXX XXXX and also was talking with Great Lakes about my XXXX. My loan came up last fall and when I would call Great Lakes they would refer me to another number and the next thing I know I am getting 5 to 20 calls a day mostly recorded about student loan debt. Around mid XX/XX/XXXX I sent my first XXXX request via US mail as I did not have a computer. The phone calls got so bad that I really cant answer my phone for fear that most are scams. They look like cell phone numbers. My understanding was everything was kind of in limbo because of the hold up on the XXXX XXXX XXXX. and it could take even a year. I had checked the box to have collections stopped etc. In XXXX I receive notice that my XXXX checks are being garnished over {$200.00} a month, my credit score dropped, and we were getting ready to purchase a home using my husbands VA loan but can not because they put me in the XXXX system. Thinking my application was pending the long XXXX system I never saw this coming. I wrote the XXXX and received a reply XXXX XXXX. They claim they sent me notice in XX/XX/XXXX. This is not true at all. I most definently would not have missed that. I do not think the USDOE understood my letter as really their response made no sense to me and really all they did was point fingers back to servicers and the XXXX. I redid the XXXX application on line XXXX XXXX. I wish I had kept track of EVERY conversation and communication I ever had. I personally experienced and was vocal about XXXX XXXX from the start, I experienced a good portion of the complaints proven against them in court myself. These were actually reasons I only ever attended the school after seeing one class into my second session that it was NOT going to be better. I have a HUGE issue with the government letting this loan go in my name at the time when they were already aware of what XXXX XXXX was doing and my credit at the time was beyond terrible. Furthermore they have made it impossible to take care of it. Great LAkes points me to USDOE, USDOE point me to Great LAkes or a XXXX servicer. I am XXXX but I am not listed as permanent and I have not filed for XXXX relief. 
I don't understand why this has gotten to this point. I want the garnishment stopped and the loan off my credit and out of the system. It is way more than myself that this effects. The government knew this school was defrauding me when I enrolled in the summer of XXXX. My intention was to try to better myself and it has done nothing but the opposite.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX  ; Experian and XXXX are reporting incorrectly a current balance of {$16000.00} on the XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle broke down and was covered under the factory/dealership warranty. The dealership would not honor the warranty and consequently would not fix the vehicle. I returned the vehicle back to the dealership. I was told that there was no outstanding balance due. I was not aware there was a negative item reporting until I obtained my most recent copy of my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-03-05
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
I finally had the chance to thoroughly check my credit report, I am trying to improve my credit score so that I can buy a house in the future. However, I know I have horrible credit and I have not applied for anything because I know it would be pointless and will get denied right away. 

Looking at my credit report I have decided to contact everyone on my credit report such as collectors, so that I can be in good standing but I noticed that some hard inquiries have been made in my name by an unknown source. How they obtained my information baffles me. 

I don't know how I can get such items removed from my credit report as soon as possible. I am attaching a document that states the inquiries that I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A debt collector by the name of Radius Global Solutions LLC is trying to collect a debt i do not owe plus the collection agency does NOT have a license to collect in the state of NY. They are in violation and i want them to cease and desist. 

The amount is for {$8100.00} and they offering me to pay {$4800.00} I tried reaching out and dont get anywhere with 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 2018-02-02
Company: Blackhawk Network Holdings Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a gift card from XXXX for XXXX $ and it had XXXX balance when I went to use it. It was very embarrassing. Usually you should be able to just cancel and get a refund but I have sent multiple emails and the phone number no one answers to. My email registered to the account is XXXX. I know its very little but I think they should be held accountable for their mishap. A response would have been suffice but its just bad customer care to ignore all my emails. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09
Company: Kikoff Inc.
State: AL
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:
Kikoff is reporting to XXXX  that I was 90 days late on a {$12.00} loan. I have attached the 2 screenshots proving I was never late let alone 90 days and the account was paid off. They clearly have me confused with someone else or this is some sort of ID theft problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Date Opened : XX/XX/04 XXXX  : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
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 sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company 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 2023-01-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
Navy Federal Credit Union XXXX XXXX XXXX XX/XX/2023. I didn't not apply for anything nor gave anyone authorization to apply for anything on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells fargo has repeatedly denied claims of fraud for a total of XXXX dollars even though we have established that the transfer of some of the funds was fraudulent after repeated times reaching out to the XXXX office we still can get no where the money was withdrawn from a wells fargo atm in XXXX  over XXXX hrs away while i had just gotten home from work with the card still in our house i am tired of being called a liar and that we couldn't have had the card here and the card was used on XX/XX/XXXX at XXXX am when i had gotten home at XXXX am when XXXX days prior the card was supposed to have been canceled on XX/XX/XXXX Due to people trying to use it in XXXX XXXX  once 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 monetary relief
Consumer complaint received 2018-09-05
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Diversified Consultants bought an account from XXXX that was closed almost a year ago. They are claiming there was an " implied contract '' that would auto renew without my knowledge or permission. I have this recorded from the conversation with their agent. I moved and I had XXXX XXXX service but my contract was already up. XXXX XXXX didn't work in my new area. We tried to make it work and never had a good signal. XXXX XXXX refused to give me a return address to send back the equipment and it took me months to track down someone ( third party ), to figure out how to send back the equipment from my original expired contract. I got it returned and got a confirmation. When Diversified Consultants called, they didn't listen at all and demanded that I pay over 700 dollars including non return of equipment. I told them the equipment was returned on XX/XX/2018 and we were talking on XX/XX/2018. I then emailed them a copy of the returned equipment confirmation from the XXXX store on the XXXX account that is for XXXX, ( this was also done on the XXXX of XXXX ). I requested proof of debt which, according to the FDCPA is not merely a bill and I explained that to the Diversified rep. I received a letter on XX/XX/2018 with a copy of a bill and a demand letter showing non return of equipment even though the email with the proof of the return was sent more than a week prior to this letter. Also, it is a bill, there is no proof or breakdown of the debt it just shows " previous balance '', I have no way of knowing what this is and it is not proof at all. This was already conveyed over the phone to them. They also contacted my wife, who was never on the original account and whose phone number was never on the account and this is a clear violation of privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS is in violation of CA HBOR and RESPA guidelines. At issue is that a short sale package was submitted to SPS on XX/XX/17 and SPS is refusing homeowner 's legal right afforded to him under CAHBOR to avoid foreclosure. 

Lenders and servicers operating in CA are required by law to allow homeowners to avoid foreclosure and SPS is breaking the law by refusing to review homeowner for foreclosure alternative methods. 

Additionally RESPA requires lenders and servicers to acknowledge work out request packages within 5 days of receiving them. By automatically denying that review they are in fact violating RESPA guidelines. 

Lender must comply with the law and allow homeowner to proceed with short sale request and stop acting a foreclosure mill intent on charging fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX XXXX, 2017, contacted First Citizen Bank. Checks were ordered but I had not received them. Spoke to customer service with no results. I was even told that the order might not have been placed ... Nonetheless, when I looked on my account the bank had taken {$1.00} ( XXXX XXXX ) from my account. When I made an inquiry in reference to this, I was told that I had to pay this fee for there service. I have had this account for over 3 ( three years ). Never charged for any info until now. So if I need any assistance from this bank, I will be charged??? Insult to injury because I could n't even order checks online because they would n't accept the routing number ... so you figure it out. I am terribly disappointed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: NJ
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, the below account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and September 2020 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-08-20
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Once again Home Point is reporting inaccurate information to the credit bureau that I am behind on payments. It is a very frustrating process, because i have sent them proof from my bank statements showing the deposits made to Home Point for my mortgage payments for the months they reported me missing and yet they still reported wrong information on my credit report. It has already been a prolonged process with them in the approval of my loan modification which thanks to you it was finally approved after a year in a half. However it seems after one thing is finally resolved, another issue arises and its always a mistake on their end and unfortunately I am paying the consequences for their mistake while they offer no sympathy and no initiative to resolve the problem. I am so ready for this to be done and over with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Auto Trakk, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Was told no interest leasing. No interest charged. That is what autotrakk llc advertises. Its fraud. I leased a XXXX dollar car contract says XXXX total charges being charged XXXX for buy out fee of XXXX and " rent rate '' charges to rent a leased vehicle. Thats XXXX additional dollars in charges that appear to be interest but they are hiding it under " rent fees '' none of this was explained to me by XXXX XXXX XXXX in XXXX XXXX where I purchased the vehicle. Also had the police called on me for demanding my car to be fixed ... engine blew 1 month after I purchased the car that came with warranty. Owner is XXXX and so is the manager of the finance department. Due to my lack of education and  inexperience of financial calculations and verbiage i was mislead and taking advantage of by XXXX XXXX XXXX in XXXX XXXX and autotrakk llc. Was also charged XXXX dollar fee to lease the car still not sure where that fee went to. Autotrakk and XXXX XXXX XXXX engages in unfair, deceptive, abusive acts towards consumers. I am stuck in a vehicle that is valued at XXXX kbb but im paying XXXX in overall costs. The car is a lemon that breaks down every other week. And the rent charges and buy out options were not explained to me and I did not understand what I was signing. I have attained an attorney as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation