BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My credit report reflects an account " XXXX XXXX '' in the amount of {$740.00}. I have ZERO idea who this is. I have, at no point ever, opened an account with this company. I disputed the item with Transunion and froze my credit and after hours of trying to get ahold of this company, talked to " XXXX '' who was to dispute this claim and report it as " fraud. '' I literally have no card, not a complete account number ( the one on the credit card is absent of the last XXXX numbers ). TransUnion " investigated '' ( laugh laugh, cough cough ) and determined this was indeed my account. Strangely, this company has my mailing address as XXXX XXXX XXXX, XXXX, NY ( never been there, know absolutely nobody there, I reside in XXXX, MO ). Clearly, somebody isn't doing their job. Had real eyeballs been placed on this investigation, it would have been determined that I DO NOT OWN THIS ACCOUNT. This has been a nightmare. A literal nightmare. I'm exhausted. I have a child with a head injury and the time spent trying to fight this is unnecessary if people would do their jobs. At this VERY moment, I am on the phone with " XXXX '' from XXXX XXXX and she is emailing the statement of charges ( that aren't mine ). She's putting me through to the fraud department again, which won't matter. PLEASE HELP ME. PLEASE. Somebody with real, viable organs needs to investigate this. Not an electronic robot ... .by the way... .it 's XXXX getting through to this company without account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: SC
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:
A couple of months ago I received a copy of my credit report I saw that there was a lot of information and accounts on my Equifax credit report that I have never seen before. I later found out that my personal info was hacked in a few of the mass data breaches over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Covington Credit refused to stop making phone calls after I told them I was filing for chapter XXXX bankruptcy ... The phone calls got so bad that I had to contact their corporate office to get them to cease and desist calling me ... Their aggressive collection activities made me sick from XXXX ... The stress was so bad for me that I developed XXXX   symptoms from XXXX XXXX on my XXXX XXXX XXXX  on my XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Credova Holdings Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Credova illegally sold my account to two other companies. My agreement clearly stated that if my account was to be sold, i was to be notified in writing. That did not occur. They sold my account immediately and I have now been harassed for more than 6 months. The new company has no record of my payments made and can not provide me any information as to who they are or why they hold my account without permission. Additionally, credova tripled the amount due to them in that first 30 days of the installment plan. I have gotten the run around since XX/XX/2022 and no one seems to be able to answer my questions. Additionally, the illegal account holder at the new company also sold my information to a company called XXXX who is now harassing me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was directed to a forbearances several times through out my loan woth navient increasing the overall interest of the loan and growing the loan total. Also the interest seems to build always even while repaying making it impossible to pay off the actual loan to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I'm a victim of identity theft. I have been working with XXXX and the FTC. My checking account with Wells Fargo became overdrawn after someone tried to get payday loans and credit cards in my name. This happened before and Wells Fargo did nothing and just closed my account and opened a new one without investigation. This time I was afraid to bring my account current because the person might work for Wells Fargo. I found this out from a conversation from an outside source. The outside source may have misstated the information, but I could not risk it. I made deposits to bring the account to $ XXXX. I felt safe with this amount, while the investigation was going on. Then on XX/XX/2018 Wells Fargo closed my checking account and sent it to collections and reported it to XXXX XXXX XXXX, a consumer reporting agency When I asked Wells Fargo in new accounts my closed account is listed as a " Charge Off '', even though I called and paid in full today XX/XX/2018, and was told my account was never sent to collections. So now Wells Fargo sent to to executive section for an investigation because an employee might be involved. Wells Fargo can not investigate this issue, it needs to be assigned to an outside entity because I already know Wells Fargo will decide in their favor and not mine. I'm the victim.

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 2022-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I have had a BOA Visa credit card for approximately 28 years. When married, my husband had charging privileges. In XXXX I deleted him from the card and started divorce proceedings. I have been paying the card down since then as he has run it up substantially. I have not been charging on it lately. 

I save my mileage for trips, plane tickets and rely this as I am on a limited budget. BOA credit cards have always had a " no expiration '' on mileage policy. They have never taken back mileage from me until now. I looked at my mileage on XX/XX/XXXX and noticed that my mileage was less than 50 % of what it should be. I called and spoke with their customer service rep and was advised that I have only been a member since XXXX, which is 100 % false. I was advised that each month they have been taking mileage from me once the mileage hit 5 years of age because they expire. So basically, every month in XXXX, BOA takes my earned mileage back when it hits XXXX XXXX XXXX. I was told that I should have been notified of this each time. I HAVE NEVER BEEN NOTIFIED THAT THEY ARE TAKING MY EARNED MILEAGE BACK. I would have used the points! The representative claims that this is the type of credit card that I have. I have never had this type of credit card with BOA, whereas they take my earned mileage back. I googled BOA mileage expirations, and my research indicates that BOA mileage does not expire. I was told that my current non-usage of the card has nothing to do with them taking my mileage back. I really need my mileage back as I plan to take a trip soon.

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 2020-09-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am unable to collect {$600.00} bonus offered as a new chase customer. I went into XXXX branch with bonus offer on XX/XX/XXXX. My banker was XXXX XXXX XXXX. Prior to opening accounts with him I pointed out fine print and asked him to confirm if I am eligible since I did not remember when I closed my last account with XXXX. He pulled up my information and told me to wait while he confirms with the manager. When he came back he told me I will not have an issue collecting a bonus. So we proceeded and opened chase total checking and XXXX savings on XX/XX/XXXX. I set up direct deposit from my job and deposited {$15000.00} cashiers check on XX/XX/XXXX. I have not checked if I received a bonus till XXXX, this is when I found out that I did not. Since then I had multiple conversations with my banker that they were trying to submit for bonus but I kept getting denied. The explanation I received in last conversation went pretty much like this. Him You were denied because you closed you last account in XX/XX/XXXX and it went less than 2 years since then. Me : I have asked you specifically about this fine print and asked you to make sure I qualify, and you went to a maneuver and came back with good news that I qualify. Now I had my money locked into to you bank while I could be earning better interest somewhere else. Him : I understand, but when we opened account there was no issue, it is a back office, it is not us. Me : So Im not getting any bonus, even that {$100.00} bonus for opening both accounts together that you printed out for me? Him : No. So I dont know what happened, but I started reading posts from other people and they actually get a message that does not allow Them to open  account with bonus offer Until they meet the 2 year Requirement. So I suspect that my offer was not applied to my account and I was intentionally misled, or there is a plain error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Consumer Adjustment Company Incorporated
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the XXXX XXXX of XX/XX/2023, I reviewed my credit report and saw that I had an unknown collection account from Consumer Adjustment Co. for an alleged debt in the amount of {$660.00} from a creditor XXXX XXXX XXXX. The information claims I opened the account in XX/XX/2023 and was 4 months late before transferring to collections. First and foremost, I have no idea what this debt is and who is Consumer Adjustment Co. I have informed delivery for my postal mail and have never received any communication from this agency whatsoever regarding this debt., so I am unsure how they were able to report this erroneous information to my credit file without any type of notification to the consumer of their intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. U S DEPT OF ED/XXXXL/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 explanation
Consumer complaint received 2020-09-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a truck fianced with Chase Bank and the vehicle was totaled in XX/XX/2018. I had full coverage insurance and also gap insurance on the vehicle. My insurance company paid most of the loan off but then I got late payments on the loan because they didn't tell me what to do about the gap insurance.. After getting the paper work to the gap insurance company they sent the money to Chase Bank and now the loan is a charge off on my credit reports and they won't take them off.. the company was paid for the vehicle

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking and savings account were opened in my name with Bank of America as a result of fraud. An individual obtained my email address and SSN and opened the account online on XX/XX/2022. I noticed the account opening on XX/XX/XXXX and called Bank of America right away to have the account closed and obtain appropriate documentation that the account is fraud and not mine. Per the FTC 's website, Bank of America should provide me with a written statement that states that the account was opened as a result of fraud, that I am not liable for the account, and that the account will be removed from my credit report. After tirelessly attempting to get in touch with Bank of America, I have still not received any type of written correspondence. Each time I'm able to get ahold of someone, they pass me to a different department, and then I end up being passed back to the original department I called into, check fraud. I have yet to get a straight answer from anyone. The last person I spoke with told me I'd receive an email from an analyst on next steps within 1 to 5 business days, that was 7 business days ago. At this point, I'm just trying to get written documentation that these accounts aren't mine and that they have been closed so that I can get the accounts removed from my credit report. I fully do not understand why it has been over a month and why Bank of America doesn't seem to have a formal system in place to handle bank fraud of this nature.

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 2019-01-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges or open the accounts that are on file. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hinder me from moving forward in my life. It is my aim as the head of the household to get a house for my family in the near future and continue to lead as an example for my loved ones.

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 2020-09-18
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a loyal customer of Macy 's for a long time. I make my payments on time always. I was very ill with COVID-19 in XXXX and XXXX but have continued having memory issues and health issues. I thought I had made my payment already to Macy 's. I didn't receive a courtesy call but instead had my credit score ruined because of a missed payment during my recovery. I have paid off the card and will likely terminate my business with Macy 's because of 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 2023-03-16
Company: EQUIFAX, 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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX ACCOUNT WITH RECENT LATE PAYMENTS REPORTING FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, AND I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF COVID 19 AND THE HEROES ACT THIS HAVE NOT SHOULD BEEN REPORTED. 


I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX XXXX XXXX WITH RECENT LATE PAYMENTS REPORTING FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, AND I DONT RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF COVID 19 AND THE HEROES ACT THIS SHOULD HAVE NOT BEEN REPORTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to dispute Convergent Outsourcing ( XXXX ) from my credit report due to Ive never had an account with them ever. Someone else had to of used my identity and Im just now looking through my credit report and trying to dispute all that Im able to thats not mine.

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 2021-03-09
Company: Applied Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've recently discovered this debt on my credit report as invalid and requested to have this removed. Security Collection Agency located at XXXX XXXX XXXX XXXX, NC XXXX has been contacted at ( XXXX ) XXXX by both myself and XXXX XXXX XXXX  repeatedly with requests to remove this from my credit report and that it was reported in error and paid in full with a XXXX balance. Security Collection Agency is refusing to remove this from my credit report with all credit bureaus causing me to be denied credit. Please help me to have this collection agency to remove this from my credit report. They have refused previous requests from XXXX and XXXX of XXXX XXXX XXXX whom have tried repeatedly to work with me to have this removed.

Company response to consumer: Closed with explanation