BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-29
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX, I became aware that my identity was stolen. I filed a police report with the XXXX Police Department in Georgia on XX/XX/XXXX. I have lived in Georgia since XX/XX/XXXX. There were numerous loans and accounts opened using my IL license and social security number. A XXXX XXXX XXXX account was opened on XX/XX/XXXX. A secured loan of {$2600.00} was applied for and accepted fraudulently in my name. Since the account has been open, I have called XXXX XXXX XXXX a countless number of times to dispute and make them aware of the fraudulent activity.  When I first started making contact with XXXX XXXX XXXX, they didn't have a customer service support team neither a fraud department. The only person I was able to speak to using the telephone number ( XXXX ) XXXX was the receptionist. Therefore, I sent my Identity Theft Affidavit and other supporting documents to the XXXX XXXX XXXX in XXXX, SC XXXX listed on my XXXX  report. On XX/XX/XXXX, my mother sent a letter to XXXX XXXX XXXX in my defense. I was not contacted about the documents and no one notified me to let me know that they were received. On XX/XX/XXXX, I disputed the XXXX XXXX XXXX account on XXXX. The results of my dispute were disclosed on XX/XX/XXXX. My dispute was denied by XXXX XXXX XXXX  and the account has remained. On XX/XX/XXXX, I called XXXX XXXX XXXX, and to my surprise, they now have a customer service support team. I spoke to a gentleman on the team to inquire about the denial. He was able to lookup the fraudulent account by using my name. He let me know that my documents were received from a year ago, however, there were notes in the account saying that there were missing documents, therefore, the account has remained open. I inquired about the missing documents and he stated that it wasn't notated. He said he would pass my case to his supervisor and would make it of upmost importance, and she would contact me. On XX/XX/XXXX I, again, contacted XXXX XXXX XXXX because I had not spoke to a representative from this company since XX/XX/XXXX. The receptionist, answered and transferred me to a voicemail. I left a message, and as of XX/XX/XXXX I have not been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Commonwealth Financial Systems, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Known Alias : XXXX XXXX XXXX Received notification on XX/XX/XXXX by XXXX ID monitoring that new Collection has appeared on XXXX Report. Collection shows Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX, PA XXXX for amount of {$1200.00}. Original Creditor was XXXX XXXX XXXX. 

Contacted on XX/XX/XXXX XXXX Ext XXXX at Commonwealth Financial Systems. CSR was  unable to locate the debt with my Name, Adress, or telephone number. Reluctantly provided my SS # to find out what this was about. XXXX asked for my date of birth to confirm Identity. Stated that Date of Birth they have on record does not match. CSR asked my legal name and if I knew a XXXX. I stated that it is my middle name. CSR stated that debt was not mine, the only match they had was a SS #, and it was for a person with a different name and birthdate. CSR stated would be removed from credit profile in 2-3 weeks. 

Contacted XXXX to make sure was properly disputed as well as to place a fraud alert on my account. Was told by XXXX that Commonwealth Financial Systems, is reporting the Debt for : XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX MO XXXX. Disputed the debt with XXXX as I have lived at my current address for XXXX years and have never had the alias XXXX XXXX XXXX. 

XXXX dispute was completed as the debt is accurate on XX/XX/XXXX. Contacted XXXX to redispute. XXXX states that Commonwealth Financial Systems has updated the debt to my current address at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. Reopened dispute for debt with XXXX on XX/XX/XXXX and Dispute name XXXX XXXX XXXX as not a known alias and the address for XXXX XXXX XXXX that will still showing on my profile. 

On XX/XX/XXXX open the mail and have a letter addressed to XXXX XXXX XXXX Marked personal and confidential from XXXX XXXX XXXX XXXX, NC XXXX. As this is not me I have put back in Mail as return to sender. 

Am beyond exhausted and frustrated. I have never recieved care from XXXX XXXX XXXX nor do I owe any known entity. Frustrated that the collection agency is slowing changing the debt to where it has more and more of my information and am concerned that they may have updated my birth date to the debt when I contacted them for verification. Was part of XXXX breach and am concerned that Commonwealth is using information contained within to attach a debt with a person that has a similar name to mine. 

Do not know when original service was provided, but can provide further details of my schedule to prove that I was not provided the services by XXXX that Commonwealth is trying to collect. Also upon request can show Utility bills starting with when I moved into my current address to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Experian Information Solutions Inc.
State: MI
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 initiated a correction with XXXX, XXXX and Experian regarding the status of a student loan that is showing 90 days past due on all three of my credit reports. I have submitted documenting twice to all three companies to show there was an approved forbearance. After the initial 30 day investigation, nothing was updated and I was told to resubmit the paperwork for all three to re-investigate. All there have requested the info for the re-investigation via mail, on line and fax. I am unable to access an account information that is sent to me, the sites keep saying my information is not correct and while speaking with each company no one seems to understand and or provide any information. When asked to speak with supervisors I am wither hung up on or transferred to a line no one answers. 

I understand that opening an investigation, the companies are supposed to investigate, when asked how they conduct the investigation they have no answer and seem to loose or misplace the documentation that is sent directly to them. The work is already done for them in providing the documentation, which I had to do to actually fix the issue. 

I have received emails from all the companies setting the dispute is completed but when I call they state they are still investigating. How can both be true? I am just looking for my credit report to be accurate. It is a shame that the reporting agencies actually have the power to provide details about an account under the guise of we investigated.

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 2020-02-04
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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2023-04-05
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A fraudulent XXXX transaction for XXXX USD appeared on my Chase checking account on XX/XX/2023. I filed for fraud with Chase on XX/XX/XXXX, and was given a temporary credit of XXXX to my account. The claim was then denied, and the XXXX credit was reversed on XX/XX/XXXX. I called Chase fraud center on XX/XX/XXXX to ask why, and they said it was because they had no evidence to suggest it was fraud, end of story.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian forces their customers to cancel an account via telephone, however the wait time to speak to a representative is consistently over one hour. I waited nearly two hours before speaking with someone ( see attachment documenting the call-time via my wireless provider ). 

The wait time is unreasonable and is clearly intended to draw frustration in the hope that consumers do not follow through in canceling their account. This experience is not unordinary and has become common enough that it's likely a customer retention strategy.

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 2018-09-29
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, On XX/XX/2018 I attempted to open a checking account at Suntrust bank at the XXXX location in XXXX XXXX, Maryland. There is an offer online where if you submit your email they will send you a promotional code for a bonus of {$500.00} dollars upon opening the account and receiving a direct deposit of {$2000.00} within 60 days as well as complete 10 debit cards purchases. I brought my code in to the branch and spent an hour with the bank manager setting up the account as well as submitting a {$100.00} opening deposit. Everything seemed well until the banker could not see the offer attached to the account after opening. She reached out to her headquarters where no explaination was given as to why it didnt work. She then closed my account and refunded my {$100.00}. I have tried to reach out via phone to suntrust customer service and they give no answer as to why I could not open 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 2018-05-16
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This loan started out as a direct loan Parent Plus and then it was sold to someone else-? XXXX ? then it came to belong to Navient. i have made so many payment and the loan has not reduced at all. I have called them multiple times. I have been told over and over, in a few more payment it will start to reduce the prinicpal. Well as you see the principal has not changed an iota. i owe more on one loan than I even borrowed. My other loan is higher than it was when I got my last statement from the Federal student loan servicer. I am attaching the original loan amts from XXXX XXXX. The first sheet is not necessary, but the next 2 sheets are what i owed on the 2 loans I borrowed from XXXX loans BEFORE Navient took over the loans. My complaint is not with Direct loans per se, but I think this information is necessary. I am not sure why the bill does not show anything for XX/XX/XXXX or XX/XX/XXXX. I am almost sure Navient took over in XX/XX/XXXX but it could have been another provder, but I cannpt find any bills for me from anyother servicer and I KEEP my bills. ( so maybe only my son 's loans went to XXXX ). I  am almost 99 % sure it was navient that advised me in XX/XX/XXXX not to pay if it was difficult and no interest would accrue while the loan was in forebearance. I was unemployed for a while. That was a Flat out LIE!.  Then I set up payments when realized interest was accruing. I am attaching all payment that were on website. i have set up automatic payments, because I was told it would decrease my interest rate. My loans have always been 7.9 % and that is what it still is. Main concern is that I have paid approx {$8600.00} to navient and my loan principal has not decrease by even a dollar. It would be fabulous if there is any answer to this nightmare!!! I get so upset every time I look at this stuff. i have been making student loan payments since XX/XX/XXXXwith several large sums paid to other service provider. Navient says it will be paid off in XX/XX/XXXX- I can not believe this!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have two items on my credit report for XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. I have not gotten any notices in regards to these two bills from either the original creditor and the collections company. I am also getting harassing phone calls and repetitive calls as well from multiple numbers. Voice mail is a automated recording playing as a employee leaving personal information on a voice mail when one is left. The item on my credit report should not be reporting as one its not mine and two my daughter had two medical insurances and they should have been charged to them. I want these removed from my credit reports as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
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:
Experian, XXXX, and XXXX are all reporting fraudulent accounts on my credit report. these need to be removed immediately. I have attached the copy of the police report for fraudulent accounts on my report. there are XXXX accounts showing with the creditor being XXXX XXXX XXXX XXXX XXXX there are two accounts with the same balance which is {$310.00} each. One of the accounts is reporting from XX/XX/XXXX, and the other is reporting from XX/XX/XXXX. Please have all bureaus remove these accounts from my credit report immediately. 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 2023-08-24
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've tried on numerous occasions to pay off this charged off account with XXXX XXXX in the amount of {$330.00}. Because I don't have an account number/credit card number I can't reach anyone to pay the debt. I've tried calling several times between yesterday and today at several different phone numbers. The last number I was given to call is XXXX. There is no option to hit 0 to speak with a customer service representative. How can I pay a debt that I can't even speak to anyone about?

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 2018-09-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Wells Fargo is gouging people on interest, continuing their unethical business practices. I have been a cardholder for approximately 1 year. I have a credit score of approximately 710+. I have no late payments or over limits with Wells Fargo. Wells Fargo has insisted on charging me their highest interest rate, nearly 27 % on my credit card once my promotional period ends. It is completely unacceptable to have a rate this high, especially with my credit profile. I have asked repeatedly for the rate to be reviewed and lowered to the range of my other credit cards which are 13 % to 20 %. They have refused - in what seems to be violation of US federal law which requires rates to be periodically reviewed. Their customer service pretends to care but really just gives you the run around so they can continue to gouge you. It is appalling.

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 2019-06-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, I deposited a insurance claim check for a family member. Before depositing the check I verified the account and routing number. After depositing the check on XX/XX/2019, I received a email stating the funds were available for withdrawal in the amount of {$7500.00}. With this information I withdraw the funds and gave them to the payee of the check. On XX/XX/2019, I received another email from Chase Bank stating the transaction had been reversed because a stop payment order was in effect. I contact the insurance company and was to that their Bank which also is Chase had a stop payment order issues 9 months ago and the bank should not have honored it. I then contacted Chase corporate office and told them about the stop payment on the check that they honored. I was told that I was liable for the funds. I then went to the UCC Code for Banks honoring over a stop pay order and found under code 3-4, that a bank is liable because they do not act in good faith by causing a loss to my account. Had the they inquired within THEIR OWN RECORDS they would have ascertain that a stop payment order had been issues and not to honor the check. But because they did not inquire or research their own files of another account holder of their Bank it caused a check to be honored through my account. Their actions place a loss to my account which never seen have happen. The bank is liable under the UCC Code because it honored over a stop payment order. This order included anyone who deposit or try to cash the check it is to be not honored. Also under the UCC Code a holder in due course law needs to be enforced. Businesses do not follow or have knowledge of these codes and they need to be enforced. Under your account agreement with Chase it states if they honor a stop payment item they are liable. It doesn't state who had to place the stop payment order. Who is liable now?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: RI
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:
Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus.I need these inquiries verified and proof provided for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed Here are the companies and dates of occurrences : XXXX : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Experian 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/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 2018-05-16
Company: Experian Information Solutions Inc.
State: OH
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 have placed 2 security freezes with all 3 Bureaus and I am still having inquiries. I have also been informed I was part of the breach where my info including my license number was exposed.

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