BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am freaking tired of this company they hang up on me on purpose or they lie about verification. I sent all documents and they did not investigate unauthorized inquires and address XXXX XXXX XXXX needs to be removed never lived there. They are stalling. They are in violation they never investigated. I enclosed the police report they asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Kashia Services
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Called a phone number I did not give them to collect a debt. 
They called my supervisors direct line and left a message to collect a debt, on XX/XX/2018, this number was never given to them which means they invaded my privacy to find it. The attached is the voicemail. 
They have called every 10 minutes while I am at work and leave 3 second  messages until my voicemail full, the messages do not say anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Synergetic Communication Inc
State: OK
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 a vehicle leased thru XXXX XXXX and that vehicle was repoed. The account was sold to several different collection agencies and the most recent being Synergetic Communication. I settled the account with Synergetic and account was paid in full. Synergetic is either not reporting to XXXX XXXX that this account is settled or XXXX XXXX is refusing to report properly to the Credit Bureaus. This still shows as a charge off on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: World Omni Financial Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 
I HAVE NOT GIVING XXXX MY WRITING PERMISSION TO REPORT ANYTHING TO ANY THIRD PERSON, PARTY.I GAVE A OPPORTUNITY TO CEASE AND DESIST FROM SHARING MY PRIVATE INFORMATION & XXXX IS REPORTING TRANSACTION THAT THEY SHOULD NOT BE, TAKE NOTICE OF 15USC 1681-A titles definition and rules of construction. paragraph XXXX of this section, subsection ( A ) and ( I ) states that a transactions are not included in the consumer report.XXXX action is injuring me and is affecting my ability to purchase with credit and it's disrupting my credit score and it's a violation to the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we suffered a homeowner 's loss due to fire at our property located at XXXX XXXX XXXX, XXXX, PA XXXX. Through our public adjuster, we settled up with our insurance company and received an insurance check in the amount of {$86000.00} We have a home equity loan with Truist Bank and they were named as an additional payee on the check. On XX/XX/XXXX, we signed over an insurance check in the amount of {$86000.00} to Truist Bankas per their instructions along with their Affidavit of Damage and Repair. We completed the repairs to our property with our own funds while awaiting Truist to process our disbursement. On XX/XX/XXXX, we received a check in the amount of {$10000.00} and a second check in the amount of {$4700.00} due a contractor for XXXX  services performed. We immediately contacted Truist for the balance of funds and agreed to an inspection per their requirements. Truist never showed up for the inspection and no one from their Loss Draft Department will assist. We have reached out to multiple branches with no resolution. They are holding {$71000.00} of our money and will not release it to us. We ask your assistance to hold them accountable to communicate with us and release the funds they are holding without reason. You can reach us at XXXX should you need any additional information to assist us. Thank you, 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 2018-08-26
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Advcollbur - Advanced Collection Bureau is reporting a debt owed of {$2400.00} on my XXXX  credit report they are reporting inaccurate hold no validation of proof for this debt being my responsibility information and have yet to remove the inaccurate information as agreed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been with Capital one since XXXX. I have 10 accounts with them. I have recently been adding authorized users to my credit card starting in XXXX of XXXX to help friends and family build there credit which is well within my right. Capital one has constantly restricted my accounts for fraud. This card has been open for over 7 years and has never had problems until I have added authorized users. I have sent them all of the documents they have asked for and they still choose to close my account. They wont give me any information as to why after 7 years that my account is being flagged for fraud. They are not taking into consideration that I have been a customer for 11 years with no fraudulent activity. They made me verify the people that were added and than after verifying and reinstating my card a month later asked me to reverify the same people and than closed my account permanently saying that they couldn't verify them. These are real people, with real identification, and real social security cards. When they first asked for verification the friends and family were XXXX people. When there were issues with ID 's not scanning Capital one called back and let me know which ID 's had a shadow and the system would not pick it up. I was instructed to correct the issue and resubmit. They also called and let me know to have the cards resubmitted so that all four corners could be seen. This last time when I added my friend from XXXX they called back with no explanation and said that my account will be closed permanently due to a person that could not be verified. Seems really shady that the first time they were more than willing to offer information but did not want to offer anything and was real quick to close my account. This will drop my credit score at the time I am trying to get a mortgage for my first home. I have worked hard to get my credit where it is and I need my credit history, which can not happen over night.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Experian Information Solutions Inc.
State: CA
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 pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX XXXX XXXX   # XXXX. This account was charged off in XXXX. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8700.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$8700.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows a Credit Limit {$7500.00} and a Charge Off/Close Account must show {$0.00}.

4. Delete this account, because it shows Payment History reported 45 charge-offs, 30 Days Late XX/XX/XXXX ; 60 Days Late XX/XX/XXXX ; 90 Days Late XX/XX/XXXX ; 120 Days Late XX/XX/XXXX ; and consecutively as NEGATIVE in XXXX ; in XXXX ; in XXXX ; XXXX XXXX ; A Charge Off/Close Account must show NO Payment history or consecutively as N - Negative reported on my credit report.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my Experian Credit Report and circled the violations, Experian violated in red color.

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair  Credit Reporting Act

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 2023-01-31
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America mortgage. I have already filed an existing complaint about them due to a double payment being taken from our account two times! 

Today I spoke to a customer representative who could clearly see the overpayment made, this time though, I was asked to submit copies of our BANK STATEMENT by Fax to PROVE too much was deducted from our account. 
I contacted Corporate on XXXX XXXX 2020 XXXX XXXX, who advised me by email that they were in the process of reversing the overpayment. 
That wasnt done. 

Now I have to find a fax machine, and send them personal information in the hope our details get to the right person. I have no way of getting an acknowledgement that it has arrived and they are dealing with it. 

I am shocked to have to do this but then again, its Bank of America.

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 2020-04-07
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase Card is reporting a debt on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only is it past the statute it's really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have a serious problem with anything that has been posted to my credit, pertaining to Newly Opened account from XX/XX/XXXX until XX/XX/XXXX as I was incarcerated in XXXX County Sheriff 's Department. That being said there is more than one company that is showing up for a collection in that time frame. But it is all public record my friend. You can verify for yourself by calling the XXXX County Sheriff Department. And by law if a man/woman is incarcerated then there shall not be a line of credit given.

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 2020-10-17
Company: World Acceptance Corporation
State: TX
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 contacted this company multple times about A fraud account that is listed on my report. I was informed they sold the accunt to XXXX XXXX I have enail communication from that company directing me to contact qorld finance. It seems as though I am being bounced around. The address the company has is also A flagged fraud address on all 3 of my reports. I have not been able to get this resolved nor removed and would like to take things A step further legally. I have filed A complaint with FTC in regards to the ID theft and also have extended fdaud alerts on all reports as A result of the fraud accounts.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-08-24
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/2016 {$5400.00} ask the company to Delete but the debt Remained

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 2020-07-20
Company: EQUIFAX, INC.
State: LA
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Experian Information Solutions Inc.
State: IL
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:
Due to billing error by XXXX XXXX XXXX and lease end processing issue with XXXX XXXX in XX/XX/2018, a bill for early termination of my XXXX XXXX XXXX lease was not received from XXXX XXXX XXXX until XX/XX/18. On XX/XX/2018, I discovered the early determination bill existed from XXXX XXXX XXXX for {$1400.00}, after it was reported delinquent to the credit bureaus. I contacted XXXX XXXX XXXX by phone and via email, on XX/XX/XXXX. The representative stated a bill had been sent in XX/XX/2018, I stated I did not receive the bill and requested a bill be sent to me. I also discovered that the address on the bill didn't have my apartment number, which can cause delivery issues as I live in a multiple unit dwelling. As stated previously, I finally received the bill on XX/XX/XXXX. After attempting to resolve the amount with the dealership at XXXX XXXX, I paid the remaining balance over the phone on XX/XX/18.

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 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Called Bank of America on XX/XX/23 to report fraud. They will not close the account and even sent a statement to the fraudulent address

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 2022-06-17
Company: Experian Information Solutions Inc.
State: CA
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 noticed several accounts on my credit report that does not belong to me. 
XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Report Act ) these unverified and unauthorized inquiries must be deleted : 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 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 Experian 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 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 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 2023-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank of America allowed someone to open an account in my name with out my authorization on XXXX. I contacted B of A, and they suspended the account. I demanded that they cancel the fraudulent and they said they would after their investigation was completed in 30-day 's. I've been reaching out to B of A to get an update but no one is responding. I'm filing a complaint with the CFPB, to assist me in getting this situation corrected.

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 2020-07-25
Company: MS SERVICES LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MS Services LLC is reporting a debt that is not mine due to identity theft. I have sent a letter of validation to MS Services LLC with no response. MS Services is in violation of the Fair Debt Reporting Laws and the Fair Debt Collection Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I discovered fraudulent activity on XX/XX/28 on my account linked to my debit card ( completely separate from the above issue ). Specifically, a {$150.00} had been charged at a XXXX XXXX in a town north of me ( that I've never been in ). Twice, Wells Fargo has denied my claim for the money that was stolen from me, attesting that - despite my never having been in the area the money was paid to, despite never having any records of going to the veterinary clinic the charge was listed at- I made the {$150.00} dollar charge despite my protests. I had to call many times to get this case moving, and never heard back on the update ( I had to call them to ask the status of my claim after having it appealed ). After months of fighting them, they have recommended I now go to the police to get the funds recovered, when it should be their job as my bank to protect me. Theyve done no investigation or research into how this person got my information in the first place, leaving me in the dust with no advice other than to cancel my old debit card ( which I did do ).

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