BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-15
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX has repeatedly called me over a debt that is not mine. This debt is owed by a relative, and they specifically say on their voice mail messages to me that they are calling looking for my relative, and they use the relative 's name. They have been asked to not call me, as I am not that person, it is not my debt, and I am not going to provide them any information as to how to reach this person. They are also very deceptive in their tactics, stating that I was used as a " reference '' for this person, when they are clearly only trying to get information to hunt down a debtor. They have also contacted me AT WORK, and contacted my sister AT WORK about this, after they were told not to. This is in direct violation of the Fair Debt Collection Practices Act, which states that a creditor may reach out to a debtor 's relative 's ONE TIME to try to find them. I have been called multiple times over the last few months. So far this month, they have called me on XXXX XXXX, XXXX at XXXX XXXX, and XXXX XXXX, XXXX at 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 2018-06-18
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We have a licensed loan originator who has 0 respect for law or compliance and has been named as a top originator in the country several times. The public is being harmed as well as United States Tax payers. 

It has been brought to our attention that this loan originator has been buying business from real estate agent and giving TV 's, Refrigerators, and other things of value for business in return and has been done publicly via XXXX and other social media sites.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: SECURITY FINANCE CORP
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:
A company that I have a loan through, Security Finance, has done a hard inquiry on my credit report several times since the initial loan. The original loan was applied for and started in XX/XX/XXXX. Since then they have done a hard inquiry on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I spoke with someone in the office and they insist that they have only done soft inquiries, which they are allowed to do. However, it is obvious to me that they are routinely performing a hard check on my credit without my permisison. Because they refuse to accept their error and cease this action, I am filing a complaint to have these removed immediately by them.

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 2017-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX aka XXXX XXXX XXXX aka XXXX Bank, account number ending in XXXX On XX/XX/XXXX XXXX. sold the alleged debt of {$2000.00} and ownership of said account to XXXX XXXX XXXX. In XX/XX/XXXX I reached a dispute settlement with XXXX. in regards to the account. On XX/XX/XXXX XXXX. changed the account balance to {$0.00} and then closed and deleted the account from my credit reports. Please see attached letters from XXXX. and XXXX for verification. Over 30 days later on XX/XX/XXXX XXXX recalls ownership of the account from XXXX. Then on XX/XX/XXXX XXXX relist the account on my credit reports under their name with the old balance of {$2000.00}. The letter from XXXX. clearly reflects the account balance as {$0.00}. Closed and Deleted.

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 2020-02-04
Company: SYNCHRONY FINANCIAL
State: MD
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:
Dispute Case ID : XXXX Transaction Amount : {$6.00} USD Dispute Amount : {$6.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 I disputed a transaction from XXXX  who had two accounts from me for 10 months taking out from me by Pay pal credit. Pay pal credit refused to assist me to get my money return from XXXX XXXX. Pay pal told me that I had to get my money to return myself from XXXX XXXX. 

I called XXXX on XX/XX/2020 and they told me that I had another pay pal account and my pay pal account I paid the both of the XXXX XXXX  is the XXXX account. XXXX claims that they can't verify that I paid XXXX a month out of my pay pal account and they need Pay pal to contact them, However, pay pal refuses to assist me contacting XXXX at their request to get my refund as I am their customer. 

I want Pay pal to get all my money return from XXXX XXXX  because XXXX is abusing me and Pay pal is abusing their powers as well. Attached you will find the transactions of the XXXX accounts and payments from the pay pal accounts. XXXX owes me XXXX from the XXXX accounts. The second account XXXX I paid XXXX, therefore, I will be paying on two accounts and pay pal been taking it out. of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Have contacted all 3 major credit bureaus via phone and letters to challenge accounts that are not reporting to my credit report correctly either these are not my account or information is invalid either way they need to be removed and blocked. I received a letter indicating refusal of removal for the following accounts that need to be removed immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy, XXXX  and Chapter XXXX bankruptcy.

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 2021-08-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I notified chase of suspicious activity with my accounts. There was a new checking account I had never opened. There was also a strange email address associated to my accounts. When I called chase they told me they were canceling that account and restricting my accounts. On XX/XX/XXXX, {$24000.00} had been withdrawn out of my savings. This happened in XXXX New York. I live in XXXX. I also learned that chase mailed out a debit card to an address in New York when they are fully aware that I have lived in XXXX for the past 32 years. I have called them to file numerous complaints and to get my funds back but they keep closing my claims and not providing me with reasoning or updates. This has been the most stressful month it has even affected my performance at work, my mental health and not to mention I have had serious financial problems due to this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-16
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/18 : Opened a checking account via a webpage promoting a {$300.00} bonus for opening the account after a a {$2000.00} deposits within 60 days. 

XX/XX/18 : Deposited {$5000.00} into the account. 

XXXX Spoke with a representative via chat who stated I needed to wait longer for the bonus. After further inquiry the representative stated my account had no promotion attached to it. Stated she was unable to resolve this issue. Refused to close the account. Refused to escalated to a superior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Risecredit, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found an inquiry related to a cash advance loan that was applied for XX/XX/2018 using his information without his consent with Rise credit services. An official dispute of this information was mailed, certified with return receipt ( XXXX XXXX XXXX XXXX XXXX ) to Rise ; this dispute information was received and signed for XX/XX/2018. An additional dispute was faxed XX/XX/2018 to Rise. Rise has an obligation to conduct an investigation of this issue once the dispute is received and as of this date, per the original mail received Rise has failed to do so. This action is a violation of the FCRA and my clients federal consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/XXXX Bank Of America commenced assessing a {$12.00} account maintenance fee to my personal checking account. Per their policy, an account maintenance fee will not occur if a minimum of {$250.00} is directly deposited into the account monthly. 

From XX/XX/XXXX to XX/XX/XXXX my account received weekly direct deposits in which the monthly total was greater than the minimum of {$250.00}. However, Bank of America still assessed my account the maintenance fee of {$12.00} for each month.

When I contacted them making them aware of this error and requested the fees totaling {$140.00} be waived, they advised they can only waive the most recent fee.

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 2018-11-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I pulled my credit report on XX/XX/XXXX. I found several errors and items I disagree with. I proceeded to contacXXXX XXXX   Experian, and XXXX in writing about these issues in an effort to get them corrected and removed. On XX/XX/XXXX I mailed a written notice to XXXX, XXXX and XXXX. The following items were not properly investigated, in my opinion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I mailed another letter to XXXX Experian and XXXX requesting a re-investigation be done as I believe strongly that if they actually investigated this account, it wouldn't have been able to be verified. On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX for which they did not properly investigate the account either. XXXX XXXX continued to refer to the account as an auto loan when there was no advancement of article or monies ; just as well the agreement states it to be a credit sale in accordance to the retail sales contract. 

I then contacted XXXX XXXXXX/XX/XXXX when they supposedly investigated the account yet deemed it as reporting correctly and then again on XX/XX/XXXX when I noticed more errors regarding account XXXX which I never agreed to. The transaction history shows a new account was open on XX/XX/XXXX although it reporting to XXXX  as being opened XX/XX/XXXX. XXXX claims their reporting to be correct yet have not provided an agreement for the alleged account number XXXX nor will they correct or remove their incorrect reporting. 

XXXX has also failed to mark these accounts as in dispute as required by FCRA.

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 2020-10-13
Company: Experian Information Solutions Inc.
State: PA
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:
This complaint is against Experian credit reporting agency. On XX/XX/2020, they downgraded my XXXX score by 22 points ( from XXXX to XXXX ). Theretofore, my score had consistently hovered around XXXX for YEARS. The only change to my credit portfolio was a recently acquired XXXX credit card for the purposes of 0 % financing of a whole-house generator. Note : my scores for the other two agencies, XXXX  and XXXX, were not affected ( XXXX and XXXX, respectively ). 
I'm very suspicious of Experian 's actions given that they promote their EXPERIAN XXXX service which purports to " ... raise your XXXX  Score* instantly ''. 
I can not fathom why such a draconian reduction in XXXX score would be warranted by the procurement of a credit card given that I have stellar credit otherwise.

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 2021-07-08
Company: Bread Financial Holdings, 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 have these accounts that does not belong to me and i want them to be remove from my credit report. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Santander Consumer USA Holdings 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 have these accounts that does not belong to me and i want them to be remove from my credit report. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX  This is not mine. 

4. Identity Theft XXXXXXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The phone rings, business phone, caller ID will say A Hospital, or MD St Gov or XXXX XXXX. I will answer the phone and it is a computer call from Bank of America wanting me to hold for the next available person. 
This is extremely misleading. 
I do not have a Bank of America Credit card, they soliciting.

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 2021-07-08
Company: Consumer Adjustment Company Incorporated
State: CA
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the inaccurate items on my credit report. It has been well over 30 days, and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi my name is XXXX, i recieve dissability check from my deceased mother from chime, i have been with chime since XXXX would get paid early or on the date i was supposed to get my check it never showed up, now i may be getting evicted for non payment of rent cause of Chime, my money is missing and they will not give me any money at all and claims Social Security never paid me my check, i called SSA and they said they paid me even says so in my portal that they paid me and the money is not there, now i have to get a emergency check to not get kicked out at the SSA office, i will never ever go through a bank that is not FDIC insured, i am now at a physcial bank and still trying to fix this mess

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal has illegally withheld funds from me and have not released it to my account. I provided proof that the buyer was satisfied with my service and paid for my service in full in return. PayPal continues to hold to my funds illegally. 

Buyer information XXXX Transaction amount {$140.00} USD Refund requested {$140.00} USD Transaction ID XXXX Date reported XX/XX/2020 Buyer notes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN WITH MY PHOTO ID AND SOCIAL SECURITY NUMBER SOMEONE USED MY INFORMATION WHICH I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX XXXX Credit Card accounts are paid off but there still being reported as derogatory with all the credit bureaus. I have called them on several occasions and nothing has been done..

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