BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: MA
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 am writing to dispute XXXX  XXXX XXXX XXXX. The highest balance listed on the account is incorrect. Please delete the 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 2018-12-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citi bank blocked my account and closed my account without consulting me on XX/XX/18. Moreover, they hold my money and dont let me access to my own money. I called and went to the branch on XX/XX/18, still no help at all. They said I have to wait 30-60 days to receive a check from them for my remaining balance in my checking account. This is ridiculous. All my money is in that account, how should I live for 30-60 days without money at all!

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 2019-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Home loan paid off We paid our loan off in XX/XX/2019. 
Bank of America confirmed that the loan was paid in full. 
We sent instructions to Bank of America in writing to stop auto payments. 

Bank of America continues to withdraw payments, sending us a letter that the withdrawals are in error and then to refund the payments. 

I talked to Bank of America staff in XX/XX/2019 to request again that withdrawals stop. 

Bank of American continues the errors : XX/XX/XXXX refund of {$3500.00} for XX/XX/XXXX withdrawal made in error XXXX refund of {$3500.00} for XX/XX/XXXX withdrawal made in error XXXX refund of {$3500.00} for XX/XX/XXXX withdrawal made in error XX/XX/XXXX refund of {$3500.00} for XX/XX/XXXX withdrawal made in error Today I called again to request that Bank of America stop the withdrawals ; so far, no staff can assist me. 
I have called XXXX ( customer service ) ; XXXX ( mortgage ) ; XXXX ( online banking ) Please send me confirmation in writing that addresses the errors and confirms that no more withdrawals will be made in error.

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 2020-05-19
Company: EQUIFAX, INC.
State: NY
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: EQUIFAX, INC.
State: NC
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:
Account was paid in FULL XX/XX/2019. Balance still being reported As of XX/XX/2019 balance still showing on all three credit reporting agencies with one last reported date being XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. 
I am the XXXX  of XXXX XXXX  XXXX  XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX STE XXXX, XXXX, GA 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 2018-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is denying me the right to submit my disputes on line. They have advised it can not be processed on line and there is no reason that they should be hindering this process.

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 2018-06-19
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Talked to XXXX today in regards to debt, refused payment affordable with my agi of XXXX yearly, said they do not set up payment plans that low and will still report debt on credit report with the payment I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: MA
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:
My listed address are wrong, XXXX XXXX XXXX is a single family, Experian has that correct but next to Is XXXX XXXX no such apt number, XXXX XXXX XXXX XXXX Maryland never lived in XXXX Maryland had a XXXX XXXX at one time but the XXXX XXXX was in XXXX ma XXXX XXXX ny never lived there either. XXXX XXXX XXXX XXXX ma XXXX XX/XX/1997 till present.

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 2019-09-11
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpont sent agents to my home. The disclosed to my neighbor that i had not paid the mortgage in over a month. Continue to visit in person a few times a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: NC
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:
Account was paid in FULL XX/XX/2019. Balance still being reported As of XX/XX/2019 balance still showing on all three credit reporting agencies with one last reported date being XX/XX/2019

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 2022-08-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I'm trying to use the insurance feature on the card for delayed baggage and flight cancellation. It is my belief that I've brought them all of the documents they've asked for, but Chase keeps coming up with more hurdles while failing to alert me that they want more documents. It's as if they do not want to make good on their card features.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-11
Company: Dyck-O'Neal, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company called me regarding collecting a debt. After further research, they are not bonded with the state of Texas as required by Tex. Fin. Code. 392.101. With this, these seem to be abusive collection efforts in which falls under Tex. Fin. Code 392.402.404.  Also, I was never notified of this debt and it's not valid. I've contacted the credit bureaus to notify them of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: OneMain Finance Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied online yesterday ( XXXX XXXX ) to get preapproval for a mortgage or loan to buy a foreclosure. I can not remember exactly which website this one was connected with, but I received an email this morning stating that they could help me, and to call their number. I called, and they actually agreed to increase the loan amount to be able to cover the whole price of the house I wanted to buy. We were disconnected because of issues on their end, so I emailed them back. After a few minutes, " XXXX '' called back and asked for my bank login information so that they could " link with their system to deposit the funds ''. I hung up on them, and Ive called the company they were reporting to be from. OneMain didnt even have my application on file. The email the messages were sent from is  XXX  XXXX and the telephone number used to get into contact with them is XXXX XXXX XXXX XXXX XXXX. 
My email is XXXX and my cell phone is ( XXXX ) XXXX. My name is XXXX XXXX, if you have need to contact me, I will save the emails for 2 weeks, if you need/ want them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Financial Corporation of America
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see previous complaint ID. XXXX The debt was now passed on to a different company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened a checking account at Wells Fargo in person. 

I was offered a {$400.00} incentive if I could complete the following requirements. 
-open the account with at least {$25.00} -receive a total of {$4000.00} in direct deposits. 

I completed the final direct deposit on XX/XX/XXXX. I was supposed to receive the incentive within 30 days of completion. 

XX/XX/XXXX. No incentive. I called and the rep said wait 90 days from when I oppened the account. 

XX/XX/XXXX. No incentive. Rep told me to wait 30 days. 

I called XX/XX/XXXX and the rep now says my account doesnt have the incentive code. 

I know it was there before because no one else mentioned this problem before. 
More than 6 months of leading me on, now theyre saying I wont get 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 2019-09-11
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:
XXXX opened XX/XX/2019 for XXXX. no knowledge of this fradulent account. over 20 fraudulent inquiries.

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 2020-06-29
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Hi. 

Name is XXXX XXXX. 

I requested closing my US Bank Account because fraud activity : 1. A  transaction with XXXX. 
2. A transaction with XXXX XXXX. 

It shows pending transactions and completed when the third party did not cashed out the money requested by them & me. 

Now they opened the account using those fraud activities so they can charge me for a dispute that was opened a month ago and was rewarded to me ( XXXX - One month charge, one month free, they wanted to charge both months, so not. And I tried to send the information to be done with that dispute but nobody answer in the direct line & called the 800 fraud department and was told account was close, so I did not send the information. 



Name is XXXX XXXX. 

As I said they opened the account and had me negative balance out of evil, because I was calling and calling and dispute with them and requested account closed. 

I called again as of today XX/XX/2020 and they asked for the information again but no guarantee that the account will be positive. 

Then they should had not close my account with the dispute or opened it again with the same fraud activity that made me close it in first place. 

I think it cancels it out. 

I do not had time to deal with them. Need your help. Thanks. 

In fact they lied as you can see in final letter, they send, there was not credit and deposit of {$36.00} Dollars. What it was - {$36.00} Dollars. 

Thanks. 

I need them to reverse that negative balance. And close my account with a positive. And no reporting to any credit bureau. 

In fact they owned me for {$44.00} from XXXX XXXX 

The {$20.00} from XXXX they returned but that was after closed account when it should had not appeared at all as completed because XXXX XXXX XXXX from XXXX, she never cash it out. 

And yes XXXX XXXX order and the confirmation tell me bank authorized, confirmed it, was pending, so it appear like they got it, but it, pending but never received the money because US Bank. 

Thanks.

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 2018-06-12
Company: Utah System of Higher Education
State: UT
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:
I had several student loans with XXXX that were paid in full. Several of the loans were reported as PAID IN FULL while 2 of them were marked as delinquent when in fact they were also PAID IN FULL. I contacted XXXX about the problem and they admitted that it was an error when reporting the accounts and that they would fix it. However, it has been on my credit for a couple of months and has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Earlier this year after noticing some inaccuracies on my credit report, I decided to reach out the credit bureaus to investigate. After further investigation it became apparent I have become a victim of identity theft. I've since sent in disputes, identity theft reports, and several other documents regarding my claim. It has now been over 90 days, and some of the fraudulent accounts still remain on credit file. XXXX XXXX, XXXX/XXXX, and US Dept Of ED/ XXXX are the accounts I've never had any association or received any goods or services related too. XXXX, XXXX, and Transunion has failed to remove these accounts that were the result of identity theft. Under Fair Credit Reporting Act the bureau has 30 days to provide accurate verification which all bureaus has failed to comply with as well as provide a block per section 605b. There also several addresses along with inquiries that were requested to be removed which all still remain on my credit file which is unacceptable and a FCRA violation not to mention each one of the Dept of EDU -XXXX   accounts has mismatching or conflicting open dates which is INACCURATE 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 2018-06-14
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has been calling me multiple times per day. They have also been contacting my mother multiple times per day and have been asked repeatedly to stop calling that number as I can not be reached there. They even told my mother that I missed a credit card payment and thats why they are calling. Not only have they harassed me and my mother, but they have breached my privacy. I told them to stop calling and instead they now just call from blocked numbers and hang up like 4 times a day. This last time I had my husband answer the phone to confirm it was them and sure enough it was. They leave no voicemails, they just call and hang up constantly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: Action Revenue Recovery, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ACTIONREVREC plus they did not provide me with the original application like I asked. 
Account No : XXXX XXXX XXXX : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: BMW Financial Services NA, LLC
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: Account information incorrect

Complaint:
BMW is reporting incorrectly to XXXX   ; XXXX and XXXX a prior delinquency in XX/XX/2017 on the BMW FIN partial account number XXXX. ( Please see page attached from my credit report. ) I make this monthly payment via XXXX XXXX XXXX payment system. I set-up when the payment should be sent and per the customer service agreement, XXXX guarantees payment to be remitted and credited to the account specified in a timely manner. When I was made aware that this payment never reached BMW on or before the due date, I immediately contacted XXXX XXXX XXXX. The representative I spoke with assured me that the payment was sent out and that BMW should have received in on time. Unfortunately, the payment was not sent out timely, which was through no fault of my own, and I was zapped with a late payment. I have an excellent payment history with BMW and respectfully request that BMW contact the ( 3 ) bureaus and have this prior delinquency removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation