BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-29
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: Information belongs to someone else

Complaint:
I have made contact with this bureau and requested a fraud alert on my report also I requested to dispute unauthorized fraudulent accounts and inquiries there was another social security number also being reported under my name. I contacted Experian and instead of removing the fraudulent accounts they merged them under my social security number they stated they would properly investigate instead they are pinning these accounts on me.

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 2019-05-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Afternoon I want to see if I have a case against Wells Fargo pertaining to my mortgage. I have paid an escrow shortage for the past 3 years and they have still went up on my mortgage I recently just paid {$710.00} on top of my new mortgage {$3400.00} new rate. Im on a Fix rate at 3.5 %, I completly understand living in XXXX. County and taxes are the terrible but I have always been upfront with Wells Fargo and asked for them to provide the shortage amount due to the increase of the taxes so i can pay and maintain the same dollar amount of my mortgage. Each time I have written a check they have went up on my mortgage after thier analysis. 

My mortgage went from {$3300.00} to {$3300.00} to {$3400.00}. All 3 years I have paid the shortage also this year I paid {$710.00} for the shortage and they still went up. 

At this rate Im scared to lose my house because they keep lying to me stating pay the shortage and your mortgage will stay the same. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: ALLY FINANCIAL INC.
State: MI
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:
leased a XXXX XXXX XXXX from you, which was subsequently stolen from him from his work parking lot on XX/XX/XXXXXXXX XXXX XXXXXXXX. Apparently, it was not recovered by the police until more than a year later. 
Through no fault of my client, the thief put a lot of miles on the car while it was in his or her possession. When my client had the oil changed In XXXXXXXX XXXX XXXXXXXX, however, the mileage was only XXXX, as the enclosed document shows. When the police recovered the car, on the As a result of the high mileage, which was due to the actions of an anonymous thief, you chose to place a negative reference in my client 's credit report. You claimed he owes you {$3500.00}, due to the high mileage. He did not violate the lease agreement, however, as he did not place the high mileage on your vehicle. These are facts which can be proven. 
Please contact me after you receive this letter, so that we may discuss this matter, further. I am hopeful that we may resolve this matter to everyone 's satisfaction. 
Sincerely, 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 2023-09-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The 2023 Florida Statutes 559.553Registration of consumer collection agencies required ; exemptions. 
( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration.

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 2020-06-04
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 I notified XXXX  through a dispute ( attached ) about two inquiries from Factual Data and XXXX XXXX XXXX. that I did not recognize and did not authorize. I requested an investigation of this information. I received a response from XXXX  dated XX/XX/2020 ( attached ) which did not address the results of my dispute. I followed up with XXXX  with a letter dated XX/XX/2020 ( attached ) which again requested an investigation of my dispute and which also questioned whether the inquiry companies had permissible purpose to access by consumer report. I received another response from XXXX  dated XX/XX/2020 ( attached ) which was substantially the same response from XX/XX/2020. As far as I can tell, no investigation of my dispute was conducted by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am being sued, when I called the number provided, I could not speak to an attorney because I was told There is not a direct line to an attorney and it is not the right department. This is a violation of FDCPA 1692e. False or misleading representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for an auto loan in private and in good faith, and I was denied. I sent a letter to Bank Of America to resolve the issue but they ignored my efforts. I have exercised my God-given right to extend my credit and that has been violated. Also, there is an inquiry on my consumer report, which is proof of a credit consumer transaction that took place. That transaction did not include me, because that was a transaction between Bank Of America and the consumer reporting agencies. That is fraudulent activity. I have never given explicit verbal or written permission for Bank of America to report on my consumer report. With that explained, my right to privacy has been violated as well. The loan denial is proof of discrimination, and the only resolution is for Bank of America to open my credit account for my auto loan and compensate me for violating my rights and causing me emotional distress.

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 2023-03-03
Company: EQUIFAX, INC.
State: MD
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 fourth 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 items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Balance : {$9700.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX  XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: NRA Group, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018 I contacted National Recovery Agency by certified mail to inform them that they had listed some incorrect items on my credit report. 
They have missing information for my account number and they have the status as open, when that account is closed and has been for months. When I contacted them they did not respond. All of this is in violation of the Fair Credit Reporting Act. They are supposed report correct information on my report and they have violated several laws, including not responding to my letter within 30 days. If that were not enough, with no action taken I reached out to them again on XX/XX/2018 by certified mail. But to no avail, no response again. Enough is enough! Improper reporting, missing info and incorrect status of my account is severely damaging my credit. I also reached out to the 3 bureaus where it was listed incorrectly and XXXX  deleted that account. I have enclosed copies of receipts of the certified mail, letters of communication to National Recovery Agency and a copy of my XXXX  report where it was deleted. Also I am writing the Attorney General Office and the XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: OneMain Finance Corporation
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
As many people are hitting on hard times, so am I. I was reaching the point of not being able to make payments, so before I missed any payments I applied for hardshihp status through a Debt Restructering Program and I was approved. One of my debtos was One Main Financial - I removed my Auto Pay, talked to my local branch rep, XXXX, and advised that I had entered the hardship program. I cancelled my autopay in XXXX. I talked with XXXX at XXXX XXXX in XXXX. I explained to her that I had cancelled my Auto Draft, provide my Case # with XXXX XXXX, who is handling my Debt Settlement Case. I advided XXXX that any future payments and communications would be through XXXX XXXX - XXXX took the case number and contact info and did contact GRT Financial to confirm. I had removed my Auto Draft Information from the One Main Financial Portal and talked directly with my representative at One Main Financial. On XX/XX/XXXX, XXXX Main took a payment from my account in the amount of {$300.00}, which caused an overdraft of over {$100.00} and cost me an Overdraft Fee of {$30.00} - I immediately contacted One Main Financial, my branch had already turned my file over to the Main Office that handles these Debt Settlement Cases. I contacted that office at XXXX - and talked with a supervisor there who denied my refund request, using some policy loophole they seem to have in place, saying I did not specifically state to One Main Financial that I wanted my Auto Pay canceled - She also stated they work with XXXX XXXX EVERYDAY ALL DAY - so that tells me she knows and fully understands the process. She claimed XXXX at the Branch did not note that I made that Verbal Request - My argument to her was : I did make that understood, very clearly, that I had cancelled the auto draft, and that all future payments and communications would need to be communicated through XXXX XXXX. Apparently, according to this supervisor, I had to state directly to XXXX - " I want YOU to cancel my auto draft. '' They took unauthorized money from my account, and they claim its my fault because my communication with them did not meet the criteria of their written policy. The fact she acknowledges they work with XXXX XXXX also tells me she knows the legality of that process, and what One Main Financial did by using some verbal loophole is predatory and to my understanding, against the law. I am requesting that One Main Financial reimburse me {$330.00} immediately. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Back of XX/XX/XXXX  I applied for XXXX unemployment, I was told by the XXXX to keep certifying My benefits online, which I did as time went on I never received my Bank of America card. Its two years later I have not got anything, my card was used I made a police report and they still will not give me my funds.

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 2022-01-29
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
To AMERICAN EXPRESS : Credit Decline Application # XXXX OFFER REJECTED NOTICE ATTN : AMERICAN EXPRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Application means : A putting to, placing before, preferring a request or petition to or before a person. The act of making a request for something. A written request to have a certain quantity of land at or near a certain specified place. The use or disposition made of a thing. A bringing together, in order to ascertain some relation or establish some connection ; as the application of a rule or principle to a case or fact. An appeal or petition, especially as written or presented. 


Means For purposes of this part, an application for a loan or other service is as defined in Regulation C, 12 CFR 203.2. in CFR This correspondence is in regard to the application denial of credit on XX/XX/2021. The adverse action offer is hereby rejected, credit application is a financial asset according to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 17 CFR 240.10b-1, 15 U.S. Code 78ff, 15 U.S. Code 1691 ( a ) ( 3 ), 18 U.S. Code 241, 18 U.S. Code 242 Reconsideration : Open end consumer credit card pursuant to 15 U.S.C.1602 ( m ) with maximum allowable by the applicable law, 15 U.S.C 1602 ( j ). Balance will be zeroed out on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ). Once it is available.

Final offer is non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under Regulation Z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* This is your opportunity to cure as well as your notice of default for the servicing of the credit application. 


You meaning AMERICAN EXPRESS and any of its agents, affiliates, subsidiaries, assignes, etc. may NOT contact me by any means other than written correspondence. Failure to comply may result in billing.

Legal proceedings may be enacted if dishonored. 


Notice to agent is notice to principal Notice to principal is notice to agent By Accommodation : Without Recourse

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Student Loan Financial Assistance
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am writing this complaint about a company Student Loan Financial Assist. 
This company is defrauding the government. This company is telling barrow that they can assist them with there student loans, and they are taking upfront fees that are not being placed into an escrow account. This company is telling barrows that the fees that they are paying are going to the balance of their student loans. This company is also charging barrows monthly fees that range from 8.00 to 75.00 a month. This company is also signing documents that are being sent to the Department of Education on behalf of the barrows. This company is also sending forbearance that is not signed by the barrow but is actually being signed employees of the company. SLFA is also calling the department of education collection pretending to be the barrow and providing them with incorrect information to ensure that the barrow is placed on a XXXX a month rehab plan, The documents that are beings sent to the collection are also not being signed by the barrow but employees of the company. The employees are told to do this by the Manager of the company. This company is also creating online accounts with services such as XXXX XXXX, XXXX XXXX, At one time this company was login on XXXX to complete the application, but that has now stop, and they are just sending paper application using an expired form and signing the application as the borrow without the barrow knowing. They are also using incorrect family size they are also stating that the barrows are unemployed when they actually have income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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:
I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've been trying to update and dispute the address and name on my credit report since XX/XX/XXXX. I reached out again XX/XX/XXXX because every time I apply for credit it comes back that equifax is frozen, I haven frozen anything and the address they have on file is not mine. I reached out again to dispute online XX/XX/XXXX and no response yet and their process is 3-5 business days and within 30 days they will send me a letter in writing. I don't have 30 days. I need my credit information today. I reached out again only to go through authentication and pass but still can't update my information, i faxed over documents again today. Equifax said they received the current address which is a NJ address from lenders which is impossible because i live in GA and no lender and XXXX  and XXXX XXXX have the NJ.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-01-29
Company: JPMORGAN CHASE & CO.
State: NV
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 received an alert that my Chase card ending XXXX that someone was trying to charge {$1100.00} from a company called XXXX. I called immediately and report the fraud and closed the account. The amount stayed pending and I called because I was getting emails to confirm the purchase. I was told to ignore the emails and delete them because it could be virus or hacker. On XX/XX/XXXX Chase posted the amount. 

I have been calling at least once a week regarding this. The customer service representative are polite, but I keep getting letter saying that the amount of {$1100.00} is my responsibility because services were rendered. I can not get a hold of XXXX and the last representative I spoke to on XX/XX/XXXX, could not reach the company either. 

I have done my due diligence in protecting my card and reporting the fraud. They said the company had my email, XXXX and information. I told them that on had received alerts that my email was compromised. My husband on XX/XX/XXXX had someone try to charge travel on his XXXX card, he called and that situation was handle. 

My question is why would I use a company I have never heard of to purchase airline tickets on XXXX? I would use the companies website. I never boarded a XXXX flight to XXXX and never confirmed the tickets. I just know I am responsible for a purchase I did not make and they are now asking me to provide evidence. I don't know what evidence I can provide and I need help. Thank you so much.

Company response to consumer: Closed with explanation