BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX the general manager got extremely rude and aggressive towards me over the phone and in person. Over the phone it was due to me asking why I can not log in to my account and pay online, to which he refused to say the website wasn't working and told yelled at me to just pay in person or over the phone. As I had to pay I chose to pay in person and in person when I asked for an emailed receipt, something they said they could do over the phone, He scoffed at me and refused to give me one and remained aggressive until I left.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an auto account with XXXX XXXX XXXX that was sold to Jefferson capital and they offer me an settlement which I had paid successfully on XX/XX/2020of {$1200.00} and it was stated that within 30 days which it has been more than 30 days since XX/XX/2020they would request for a deletion from all my credit bureaus but they haven't completed their end of the word and I need that to be deleted off my reports and my husband report because he joint sign with me on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Placed calls to XXXX, Transunion and XXXX in regards to inquiries that were iniated by me. Was told by represenatives from each company that they were factual. Explained to the represenative that I knew what my credit situation was and that I would not be trying to get more credit with the way my credit was.

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 2022-08-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Amazon store card Synchrony closed my account because they refused to credit my account for refunds on returned merchandise and I filed complaints with the CFPB

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 2021-06-04
Company: EQUIFAX, INC.
State: TX
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 initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the XXXX and XXXX XXXX format method ignoring to report. 

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX-XXXX  updates XXXX. 

It is very serious that you please investigate and resolve as this is injurious to my character and is obstructing my potential to obtain mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Experian Information Solutions Inc.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

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 2021-09-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I OTAIN A LOAN IN XXXX FROM XXXX XXXX XXXX XXXX THEY RETURN FILE IT IN A BOGUS TRUST THAT WAS FAKE THE FEDERAL GOVERMENT SHUT THE MORTGAGE DOWN IN XXXX MY PAYMENT WENT UP FROM XXXX TO XXXX IN A YEAR I MANAGE TO PAY IT UNTIL XXXX, A COMPANY CALL WITH NAME CARRINGTON MORTGAGE TO SEND PAYMENTS TO THEM XX/XX/XXXX XXXX SO I DID IN XX/XX/XXXX I WROTE THEM ASKING TO VALIDATE MY LOANS AND ALL THE PAYMENTS THE SAID THAT THEY COULD NOT ONLY COULD DO XXXX I DISCOVERSD THEY WAS THE WRONG COMPANY THAT I WAS PAYING I STOPED IN XXXX A FORECLOSER WAS FILE I FOUND THAT A FAKE MORTGAGE ASSINGMEMT WAS FILED IN THE COURTS XXXX THEY DROPED THE CASE AFTER LOOSEING A SUMMARY JUDGEMENT CAN BACK IN XX/XX/XXXX CASE NUMBER XXXX IN XXXXI FILED A MOTION TO STRIKE THE FAKE ASSINGMENT FROM THE RECORD THE ASSINGMENT WAS THE SUBJECT MATTER OF THE FORECLOSER GAVE THE STANDING TO FORECLOSE, COURT GRANTED ME THE MOTION BECAUSE THE WERE NOT THE RIGHT PARTY .XXXX XXXX XXXX XXXX AS TRUSTEE IS THE ONE WHO SUPPOSEDLY FORECLOSEING BUT THE TRUST DONT EXIST DBNT HAS A VERY LONG HISTORY OF CRIMES MORTGAGE FRAUD TAX EVASION MONEY LAUNDERING BILLIONS OF DOLLARS IN FINES THE HAVE CORRUPTED LAWERS FILEING FAKE DOCUMEMTS IN COURT THEY FILED A MOTION TO DENY MY RIGHTS TO A JURY TRAIL A YEAR AGO MOTION PENDING, SO THEY FILE A ORDER TOHAVE THE MASTER AND EQUTY JUDGE XXXX XXXX SO HE RECUSE HIM SELF WITH OUT A HEARING DUE PROCESS SO HE PICK A SPEACIAL REFEREE XXXX XXXX XXXX .NOW XXXX XXXX AND THE BANK LAWER WHO ARE TRYING TO FORECLOSE XXXX XXXX WORKED IN THE SAME LAW FIRM AT ONE TIME THE JUDGE SHOULD HAVE NONE THIS THIS CASE SHOULD BE SCHEDULED TO BE HEARD BY A JURY IN CIRCUIT COURT JUDGE THE ARE TRYING TO GET THE COURTS TO DO DIRTY WORK BECAUSE THE LIED AND CANT PROVE THEY HAVE THE RIGHTS TO FORECLOSE THEY ARE SO CORRUPED I FEAR FOR THE SAFTY OF MY FAMILY I CAN EXPLAIN IN MORE DETAILS IF NEEDED PHONE NUMBER XXXX I AM GOIN TO TURN THIS OVER TO THE FBI ITS TO DANGEROUS THE BEEN HARASSING MY FAMILY AND TRYING TO FORECLOSE FOR 12 YEARS I HAVE A LAWER AND HE IS AFRAID I AM A XXXX XXXX  XXXX XXXX XXXX XXXX I FOUGTH FOR MY COUNTRY NOW I FIGHTING TO SAVE MY HOUSE IN THE COUNTRY I WAS WILLING TO DIE FOR THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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, 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 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-09-14
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: Account information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX of inquiry XX/XX/2021 XXXXXXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Last month or so, attempted to open account with SIMPLE bank. A month later, told that they could not read my information in photographs. They told me to take photo of myself outside of my home. Attempted to send, my account was closed before I could send. Re-opened account again, send photos via their website and also e-mailed PDFs for easier reading. They had problems with this, but refused to tell me what the problem was. I resubmitted again. They had a problem and refused to tell me what it was. As they told me to try to send materials again, an actual employee of SIMPLE DELETED my information and altered the information of my account! I attempted to create a new account and their " system '' blocked me from re-creating. Employee at SIMPLE told me there is nothing they can do. That they can not control their system whatsoever. Additionally, employee could not tell me what was done with my very sensitive files. They refuse to tell me whether it was sent to a secured e-mail or whether it will be properly deleted. This process took several weeks and no one at SIMPLE is held accountable. Worst of all is, I have NO IDEA what they are doing with my information. If I can not become a client, why ca n't they tell me what they are doing with my personal information? I am now left at risk to identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-05
Company: Persolve, LLC - Legal - Series 2
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX, XXXX XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash, but crooked auto sales took cash. The Finance charge is suppose to include insurance, but the crooked auto sales made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was affected by a natural disaster and have requested numerous times to have the late fees removed from my account as well as off my credit report. They refuse to remove them. I had it listed on my credit report affected by natural disaster. They need to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm not swayed that XXXX  efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX  are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Navient Solutions, LLC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am the victim of identity theft, someone has taken a student federal loan out using my information. Back in XXXX location XXXX Virginia, I have lost my purse, which pertained my social security card, credit cards, I.D, and other important information, it has been a few days since I've discovered purse missing. I have learned about fraudulent loan whenever I checked my credit report back in XXXX of spring, I have discovered there's over {$85000.00} in student loans taken out since XXXX, this discovery was very surprising and upsetting, I have filed a police and FTC identity theft report and contacted all 3 credit bureaus to dispute false accounts, after explaining and sending them supporting documents, all 3 credit bureaus has cooperated by deleting loans off my file within 30 days, I have contacted Navient to report fraudulent accounts ; I have explained what happened and confirmed with them I am not the account holder of loan, I have also sent police report via mail along with other supporting documents, within 30 days Navient sent me a letter stating they were unable to confirm my claim of identity theft on loan, I have never been so upset. I've also explained to Navient that I've tried calling XXXX   XXXX and received a busy tone, along with research school and discovered school no longer exist and that it's not accredited, not only do I have student loan taken out in my name, but the school does not exist! that's insanity. Navient and XXXX  XXXX has destroyed my life, I just want this issue resolved, so I can get my life back. please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: Experian Information Solutions Inc.
State: LA
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:
Placed calls to Experian, XXXX and XXXX in regards to inquiries that were iniated by me. Was told by represenatives from each company that they were factual. Explained to the represenative that I knew what my credit situation was and that I would not be trying to get more credit with the way my credit was.

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 2021-09-14
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing an ongoing issue with XXXX, Experian, and XXXX that has been going on for well over a year. XXXX, Experian, and XXXX are reporting a bankruptcy on my credit report that is clearly unverified. I have disputed the egregious information as well as sent documentation supporting my claim as to why the information should be deleted from my credit report. I have also filed previous Consumer Financial Protection Bureau reports and XXXX, Experian, and XXXX continue to report the information as accurate and verified. At this point, it is evident that either a proper investigation is not being performed or they are being willfully negligent. XXXX, Experian, and XXXX are in violation of XXXX. XXXX ( XXXX XXXX. XXXX ) and I am requesting that the information referenced in this complaint be deleted immediately from my consumer credit report.

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 2022-10-04
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I accessed my credit report XX/XX/2022 and realized there were multiple inquires on my account that I did not authorize. Ive reached out to XXXX, XXXX, and XXXX on numerous occasions about this matter and was directed to call the those who inquired about my credit. I then reached out to CBNA, and XXXX XXXX via telephone and written letters. I never gotten an explanation or a response for that matter pertaining to this situation.

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 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNT LISTED BELOW IS A FRADULENT ACCOUNT- DOES NOT BELONG TO ME. TRANSUNION & THE CREDITOR/DATA FURNISHER HAVE REPEATEDLY FAILED TO VALIDATE & PROVIDE METHOD OF VERIFICATION AS REQUESTED SEVERAL TIMES. THIS IS A DIRECT VIOLATION OF MY FCRA CONSUMER RIGHTS AND I HEREBY DEMAND FOR THIS INFORMATION TO BE REMOVED FROM MY TRANSUNION CREDIT REPORT DUE TO THE AGENCY 'S INABILITY TO SUBSTANTIATE THEIR CLAIM THAT THE ACCOUNT BELOW BELONGS TO ME : XXXX XXXX |Acct No. 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 2021-06-04
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Wells Fargo. I called trying to set up automatic payments. The customer service person on the phone asked me to make one manual payment and following payments the next month will be made automatically. I asked for auto payment immediately but they said that can not be done without one manual payment. So I set it up exactly as they asked. However, wells Fargo performed 2 monthly payment transfers for the month of XXXX without any warning.

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 2020-07-31
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$190.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$420.00} XXXX XXXX  XXXX {$970.00} XXXX XXXX XXXX   XXXX {$390.00}

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 2021-07-05
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: BBVA FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
At the beginning of XXXX, I noted there was a charge for a full {$600.00}. I disputed it not long after since this is not my main bank account, and promptly filed a dispute. More than 10 business days passed, and I asked for a provisional credit since they were taking forever to solve. The dispute was promptly denied with no legitimate reason and seemed as though they denied it due to me asking for a provisional credit because not long after I sent the message, immediate denial and it wasn't even in the review stage. I had them reopen it almost immediately. It has been two months since the original dispute, no response other than " We are working on it '' and no provisional credit, which per guidelines is 10 business days after the dispute is opened. Still no response. 


Also, while the dispute was active. I received two notifications from Simple Bank that two transactions were attempted for the amount of {$17000.00}. I promptly froze my card and notified them. I also asked for the business that attempted the withdrawal and they would ignore the requests since it furthers their agenda of not giving me my money back. This proves my card was fraudulently used, and they are doing nothing to resolve it, nor giving me any information regarding the denied fraudulent transactions.

Company response to consumer: Closed with explanation