BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$0.00} and US BKPT CT XXXX XXXXXXXX XXXX Reference XXXX : XXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$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 explanation
Consumer complaint received 2018-04-15
Company: Trident Asset Management, L.L.C.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a settlement letter from the company, called to let them know this bill was paid to the original creditor back in XX/XX/2014. The Representative was very rude and boys that I should not have paid XXXX I should have paid them and its a valid da representative was very rude and boys that I should not have paid XXXX I should have paid them. And although I have disputed this matter with validation they continue to claim to credit bureau this is s valid debt, which negatively affect my rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
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: Account status incorrect

Complaint:
Looking over my credit report I noticed there was a late payment showing and due to the pandemic/hardship I was not able to make those payments on time. The following account that shows late payment for XX/XX/2020 XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX. Due to the Pandemic shutdown I was effected financially.

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 2018-10-14
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX a letter was sent requesting amount stated that was owed as well as assurance that payment would be accepted in exchange for the original instrument of indebtness in its original form. 

XX/XX/XXXX received letter from American Education Services/ XXXX also dated for same date with a " payoff amount '', after receiving letter then sent a letter readdressing request for acceptance of full payment in exchange for original instrument of indebtness in its original form XX/XX/XXXX letter was dated by American Education Services/ XXXX with loan amounts, dispursement dates, statuses, interest amounts, delinquency days, also ignoring request for original instrument of indebtness in its original form XX/XX/XXXX sent letter to XXXX stating if they were unable to comply matters are legally and financially settled XX/XX/XXXX American Education Services/ XXXX sent a MPN for Bank of America/ XXXX with the date of XX/XX/XXXX and a typed name on the signature line, on the front of one page with the back dated for XX/XX/XXXX for XXXX XXXX, the following pages have no dates, signatures, account numbers or page numbers XX/XX/XXXX a final letter was sent to American Education Services/ XXXX asking for an original letter of indebtness between the parties listed on the credit report. 

XX/XX/XXXX letter was dated from American Education Services/XXXX with loan disbursement dates, amounts, interest rates, repayment terms, and installment amounts also ignoring the request made in the four letters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Experian Information Solutions Inc.
State: WI
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:
There is a mortgage in the name of XXXX XXXX XXXX held by XXXX XXXX. This mortgage is the responsibility of my ex-wife to pay as part of our divorce. About a year ago this appeared on my credit reports. I had no idea what it was at the time, and reached out to the company. This is a 50 year mortgage, and yes, you are reading that right, a 50 year mortgage on my former home in Virginia. 
My ex-wife has been frequently delinquent in making the payments. In all these years, I have never seen or heard of this. It has never before appeared on ANY of my credit reports before last year. 
First, to clarify, my legal name is XXXX XXXX XXXX, not XXXX. As these credit reporting agencies can confirm, I have never been late or defaulted on any of my payments to anyone. There were a few negative entries on my report, which I satisfied in 2015 or there about. Since then, my credit has been spotless in regards to meeting my obligations. I do have a sizable credit card debt, which I have been paying down, and again, have never missed a payment, not on a card, my home or my car loan. Never. 
I have tried to get clarification on this 50 year mortgage from XXXX, which apparently took over this mortgage from their acquisition of XXXX XXXX. I always received the same reply. That they were looking into it. Besides the fact that this could be construed as a predatory lending practice, that is another issue, but tied to this, as they reported this mortgage to the major credit agencies attached to my reports. 
Just to explain why it has taken me so long to do anything about this, I have no desire to cause injury to my ex-wife, or my daughter, who also lives in the home. Basically, in regards to this mortgage, I am in kind of a XXXX situation, as I know nothing about this mortgage, nor any other detail other than the length. No origination date, interest rate, nothing. 
To come to the point, I want all references to ANY reports with the name XXXX XXXX removed from my credit. This is not my legal name, nor are there any obligations that I have in the name XXXX. I go by XXXX on some ( if you went through life with the name XXXX XXXX, you would appreciate why. ) but mostly XXXX, my legal name. I have tried to work with the big three reporting agencies, but to no avail. 
This reference to XXXX XXXX has totally trashed my FICO score unjustly. They can go back and see that this XXXX reference NEVER appeared on my credit report prior to last year. 
All I am asking for is anything in the name of XXXX or XXXX XXXX XXXX be removed, and my credit score revaluated based on my true and current credit 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 non-monetary relief
Consumer complaint received 2018-04-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've repeatedly, over the last several years, been unable to pull the free annual credit report from Experian. Every year I get " A condition exists that prevents Experian from being able to accept your request at this time. '' and suggestion to send a letter in the mail. 

I've tried calling Experian in the past and gotten frustrated by the hold times, operating hours, etc. Never gotten through to a human, don't trust that a letter sent blindly will succeed, and don't like the idea that my credit report, with all that information, might be sent to me in the mail in the first place. 

I believe Experian has done this to prevent me access to my *free* credit report, trying to get consumers to pay for something they should not have to pay for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX XXXX XXXX sent me a letter certified mail I received XX/XX/2018 for the amount of {$3200.00} plus costs. they wrote " FAILURE TO COMPLY WITH THIS INFORMATION SUBPENA MAY RESULT IN YOUR ARREST AND INCARCERATION ''. I never received a court order or anything directly from the court requiring me to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions 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:
I see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.

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 2021-08-17
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I have reached out to XXXX  multiple times to notify them they are reporting inaccurate items on my consumer report. In addition, I have advised them I have NEVER given written consent to them or any other agency or third party agency to report any items on my consumer report. I have also provided them with FCRA laws that they are violating and advised that they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/2013 REASON : UNAUTHORIZED REPORTING OF LATE PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Diversified Consultants place from XXXX XXXX XXXX a XXXX debt that is not owed. Diversified Consultants also had place by XXXX XXXX XXXX on my credit file as to there was no notice mailed to me in any way to dispute the debt within 30 days by Diversified Consultants as they claim they sent the debt back to XXXX XXXX XXXX as spoke to them on XX/XX/XXXX as stated by the person I spoke to. 

Attach is a copy from the Consumer Financial Protection Bureau complaint # XXXX Submitted XX/XX/XXXX company response XX/XX/XXXX that the disputed account was removed from my credit report. 

Attach is a copy as proof from the Company 's response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently had my mortgage loan refinanced by another company. My original lender was Bank of America. I was told that my loan will be paid off XX/XX/XXXX or XXXX 2020. I went online to check the progress of the pay off of my Bank of America loan and they had removed my online account the very following day preventing me from seeing the payoff and any additional information. I contacted Bank of America and I was told that they have 15 days to send me correspondence. Today is XX/XX/XXXX and I still have not received one letter stating that my loan was paid off, and there is no payment due XX/XX/XXXX, or when my escrow account would be returned to me. 
I had a second mortgage also that was paid off and they kept my account online so that I could see the payment activity and they sent me correspondence to notify me of the payoff. 
I feel like Bank of America is withholding information and delaying the return of my escrow account which I need to pay taxes in 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 monetary relief
Consumer complaint received 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX XXXX XXXX XXXX my laptop and other belongings were stolen from my vehicle that was parked outside my partners home. On XX/XX/XXXX my credit card from Bank of America was charged for a amount of {$1700.00} from a company named XXXX. I had previously used this site to purchase sneakers but the person that stole my laptop used my account and the saved info of my previous purchase to order something. What i didnt know was that they sent it to my house. For a while my sister and mother had dozens of packages that were going missing from our porch and I concluded that there was someone going around stealing packages. Maybe it was the person who stole my laptop and was trying to recover the order they had made. 
Bank of America is still not wanting to credit my account since this was a fraud and I have now filed the same claim 4 times over the course of 4 months and still no help. I dont know what to do no more and they are even charging me late fees for not paying the monthly payments.

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 2020-06-27
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm trying to link my PNC account to XXXX XXXX account to transfer funds, and it seems that PNC is not allowing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a ROTH IRA account with Capital One 360 ( originally XXXX before it was purchased ). It is not displayed under my account log in, and there is no way to access it through the online banking portal. I would like to take a qualified distribution from the account. I am not being allowed to set up a distribution over the phone and I can not get them to mail me a letter to make the distribution. They are telling me I need to do it online, but there is not option to make the distribution online, nor is the account even listed online. I have been on the phone with them for 2 hours and been 'verified ' multiple times but continue to transfer me and put me on hold in an effort to get me to give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Capital One Venture Card via capitalone.com and was approved instantly. The card was advertised as carrying an annual fee of {$95.00} but waived for the first year. I took sceenshots when I applied and even after I was charged the annual fee upon the card activation, since the annual fee disclosure was still on the application page. When I called the customer service to complain and tried to get the annual fee waived, I was told that the annual fee was " just advertisement '' and there was " no option to do anything ''. I wonder whether this is a violation of the Truth in Lending Act? How can a credit card company use unambiguous words like " {$0.00} intro for the first year, {$95.00} after that '' and then still charge full annual fee for the first year?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-16
Company: BB&T CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I applied for a credit loan and then paid in off on XX/XX/2018 through First Virginia. After it was paid off, First Virginia allowed someone to call over the phone, impersonating me, and apply for a second loan with my knowledge, consent, or a signature. Now, I'm stuck paying a loan off that I didn't ask for because they said they did nothing wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: JPMORGAN CHASE & CO.
State: WY
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/XXXX, I purchased petroleum products with my Chase Credit Card worth INR XXXX from a merchant with the promise of delivery within 7 business days of the payment. ( SEE MERCHANT DECLARATION ATTACHED ) Despite repeated attempts to reach out to the merchant after 7 business days, I have not received the promised products TILL DATE. 

I filed dispute in XXXX for non-delivery of the said products with Chase Cardmember Services, Chase Bank however despite repeated attempts to reach out via Chase Message Center, I did not hear back. ( SEE ATTACHMENTS ) On XX/XX/XXXX, Chase wrote that they have decided the case in favor of the merchant ILLEGALLY WITHOUT- a ) PROOF OF DELIVERY b ) TRANSACTION CHARGESLIPS ( Thus transactions are not bound by card-member agreement ) c ) MERCHANT RESPONSE ( No merchant signed response has been shared ) In addition, the Dodd-Frank Wall Street Reform and Consumer Protection Act, 2010 's Regulation Z and TILA, includes prohibitions on mandatory arbitration and waivers of consumer rights however Chase has refused to abide by the same in it's responses ( SEE ATTACHMENTS ). 

A COPY OF THIS COMPLAINT AND ITS OUTCOME WILL BE SHARED WITH SEC, Federal Reserve Board & DEPARTMENT OF JUSTICE FOR MONITORING & REGULATION PURPOSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : 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 2019-09-17
Company: SYNCHRONY FINANCIAL
State: FL
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:
I was hacked on XX/XX/2019. As soon as I caught on what was happening, I shut everything down and contacted all credit cards involved. I filed an IC3 ( FBI ) report by the suggestion of my local law enforcement because they no longer handle internet crimes. Since then I have been fighting with Synchrony/Walmart Bank ever since. They are refusing to take this crime seriously because of how it happened. The hackers were holding my computer hostage until I complied with their demands. They had locked me out of my computer, I was threatened and coerced continually. The hackers sent me an email with a copy of a ( fake ) check stating they were going to pay me back for the purchases. The hackers were identifying themselves as XXXX Tech Support. They had my computer license number and were able to get into my computer where they started charging on some of my cards. So because I was threatened and coerced to go buy these game cards to get my computer back, Synchrony/Walmart is refusing to say this was fraud. I tried disputing the charges and I would get the same answer. They are flat out refusing to take this crime seriously! My Amazon account was hacked also but after months and months, they finally settled the issue because they finally understood the purchases were fraudulent. My Amazon account is also with Synchrony. I have given them everything regarding this issue and they still refuse to settle this. In the meantime I'm being charged late fees and interest. This has impacted my credit score in a negative way. I have all the documents that were sent to them numerous times. I am a XXXX person and I live on a fixed income. I still pay my bills and pay them on time but I don't feel I should have to pay for what the hackers did to me! I did everything I was suppose to do but Synchrony/Walmart is not!

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