BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT  # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ..XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... 
XXXX XXXX XXXX ACCT # XXXX ... XXXX  XXXX XXXX ACCT  # XXXX ... XXXX ACCT  # XXXX ... XXXX XXXX  XXXX  # XXXX ... XXXX  XXXX  # XXXX ... that are listed on my credit report. 
Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: U.S. BANCORP
State: NJ
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:
This involves a dispute submitted to a XXXX XXXX XXXX XXXX. 
I submitted a dispute to the company which is not claiming I did not submit enough info. 
he dispute involves a transmission Repair Facility XXXX XXXX in XXXX XXXX, NJ XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. XXXX. 
I brought a XXXX XXXX XXXX in with a transmission issue which I was assured was repaired. Since they assured me that they fixed this problem and my cost was under {$1000.00}. I asked them to look at the brakes and a fan that was making noise. I picked up the vehicle even though the cost was {$1300.00}. ( I have included 2 explanation documents here with a fuller explanation. ) The next day I discovered the vehicle had the same transmission issue. I brought the vehicle back and they wanted to charge me for additional work they said needed to be done. I now was into this for over {$1000.00} and the problem still exists ... I filed a dispute with the credit card company ( XXXX XXXX ) XXXX XXXX is the company that administers this card. After submitting my docs including an estimate by another transmission dealer that said they should have recommended rebuilding this transmission at a cost of approx. {$2000.00}. If I had been told that at the beginning I would have never done any of this work. Its a 12 yr old vehicle and not worth this repair. I believe they misrepresented the repair status and the only offer I received was a warranty that did not cover the transmission. The original repair invoice make it seem like the transmission problem is secondary but that is he original reason I brought it in. 
The credit card company is complaining that I need to get another vendor to explain what the original dealer did wrong ... I can not get a dealer to do that they refuse to do that ... The dealer also represented this as an intermittent problem which was also not correct. 
The Docs I have included : 1. The Original Dispute 2. 1st submitted explanation 3. Estimate form another repair shop 4. 2nd explanation 5. Emails exchanged with Transmission shop owner 6. Original Repair invoice 7. Credit Card final

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 2021-08-13
Company: CAINE & WEINER COMPANY, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... 
XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXXXXXX XXXX ACCT # XXXX ... XXXX XXXX  # XXXX ... XXXXXXXX XXXX ACCT # XXXX ... XXXX ACCT # XXXX ... that are listed on my credit report. 
Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Bushwood Capital Group, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX, President of XXXX XXXX XXXX signed a contract with a Company I worked for in XXXX of XXXX and agreed to pay the company a referral fee. In XXXX of XXXX I received a 1099 from XXXX XXXX with my social security number for the fees he paid the company. I never provided or agreed to any contract work with the company. He then apologized, and requested the company 's EIN from me. I was very upset that XXXX illegally searched for my social security number through a skiptracing site such as XXXX XXXX or XXXX to obtain my social security number illegally. I have also had recent inquiries on my report that I have not consented to. My social security number has been compromised and illegally obtained by XXXX XXXX and his company. There needs to be some type of legal action taken against XXXX XXXX and his company to prevent future fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX XXXX XXXX and his girlfriend XXXX used my date of birth and social security number with a false name to obtain a vehicle for his girlfriend. My name has never been XXXX XXXX which is name they used pretending to be his wife. The vehicle purchase was made in Georgia where I have never lived but they did on XXXX  XXXX XXXX in XXXX paperwork for his lease submitted to the creditor. I have never owned a XXXX never needed a car loan as purchased a new car and truck in XXXX and paid cash for it. I still have both of those vehicles vehicle today. They recovered the vehicle ( XXXX ) because I reported it as fraud to the creditor and car dealer. The vehicle was recovered from XXXX in XXXX FL not from me as I have never lived in XXXX FL. I live in XXXX FL since XX/XX/XXXX with my fianc who can verify that everything I have been disputing is fact. They changed the name on the loan to match mine when I disputed on the creditor reports. XXXX XXXX already wrote them an affidavit, as instructed by the Court, and sent to XXXX XXXX stating that he and XXXX committed the fraud. I was given a copy of this affidavit and sent to XXXX XXXX as well. I made out police reports against them and the car dealership in Georgia, in both XXXX and XXXX for Identity theft. Notified all State and U.S. Attorneys, have cooperated fully and agreed to assist in prosecution. The more I dispute this fraud, the more the company harasses and comes after me.

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 2021-09-08
Company: Experian Information Solutions 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:
Inaccurate and fraudulent accounts reported from my 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 2020-05-07
Company: Shellpoint Partners, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage was transferred from XXXX in XX/XX/2020 to Shellpoint. I had been underemployed for some period of time and had just gotten a FT job at a facility as an XXXX XXXX XXXX. Every pay ( bi-weekly ) I have been sending Shellpoint {$1000.00} dollars to " catch up '' with my payments and improve my credit report. Within the last few weeks I have been battling the XXXX as I tested XXXX. I am currently one month behind due to this hindrance. I was just told that Shellpoint had sent an inspector out to my home to check that someone " lived '' there and was charging me {$45.00} for this. 

I have NEVER heard of such a thing. I refuse to pay XXXX for them to harrass me. I have been communicating with them every two weeks. My payment history with them since XXXX shows that I have been diligently adhering to my payments. What is the issue. This is unvarnished discrimination/harassment. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Experian Information Solutions Inc.
State: VA
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 called Experian an told them There are in incorrect inquiries on my credit report And that it need to be taken off my report an they said it can't be fix Incorrect inquiries listed XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXrXX/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 2021-08-12
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
Every time I ask for a payoff amount I am giving a different amount. The fees are ridiculous here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: EQUIFAX, INC.
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:
On XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I provided notice of a compromised XXXX account. The investigation has taken over 30 days and has not fixed the error in my report. My notices were not " frivolous or irrelevant '' ; the error is now causing hardship - AI, algorithms, and predictive analytics are biased, inaccurate and a systematic issue. My credit score goes up and down by 10+ points when I dispute out of retaliation or just plain old bias and ignorance. The investigation did not comply with the statute and CRA did not ensure the accuracy of the information transmitted for inclusion in the report. ( 15 U.S. Code 1681n. Civil liability for willful noncompliance. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX XXXX  XXXX {$380.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$670.00} XXXX XXXX {$61000.00} XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$180.00} COLLECTIONS XXXX {$43.00} XXXX XXXX {$310.00} XXXX  XXXX {$8900.00}

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 2020-10-13
Company: EQUIFAX, INC.
State: OH
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:
Credit Bureau Dispute Affidavit XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ohio XXXX SS XXXX DOB XXXX I have noticed several unauthorized accounts on my credit report where someone has used my personal information to obtain multiple bogus accounts. These following accounts were created without my knowledge : XXXX # XXXX, XXXX XXXX XXXX # XXXX I've requested documents from the companies mentioned above. I never received anything. 


All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is my only number XXXX ) XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: CITIBANK, N.A.
State: CA
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:
Paid a deposit to a Vendor ( XXXX ) for a solar purchase amounting to {$500.00} on XX/XX/2018. Contract stated that this deposit was refundable, until I signed a purchase agreement, that would make this deposit non-refundable. 

I decided not to move forward and requested for a refund on XX/XX/XXXX, which was confirmed on XX/XX/XXXX by a sales agent from XXXX. 

Opened a dispute claiming that the deposit was not refunded as per the agreement, in early XXXX. 

Got a response from the vendor, stating that the charge was legitimate ( which I agree with, since I gave them my card number ). But they did not mention I tried to cancel and a refund was due, as per their own terms and agreements. 

I responded with cancellation email and a copy of the agreement with the vendor on XX/XX/XXXX. to which I got a response that I would have to take up the dispute with the vendor, and Citi would not be solving my problem. 

I called repeatedly and sent an email to the executive team to figure out why they did not accept my proof of cancellation, but haven't received a response. People on the phone reacted with emotions ranging from disbelief to total agreement, but nobody helped me get a response from the agent who decided against me in this regard.

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 2018-03-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have disputed these accounts and Equifax refuse to remove them. I have submitted the required documents several times. XXXX and XXXX have removed these accounts months ago. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called my mortgage company to ask for help to avoid foreclosure around XX/XX/XXXX. I spiffily asked for a modification package they advised me it was to late because my account was in foreclosure. My daughter -n- law told me on XX/XX/XXXX to print package off and send in because they can't deny a complete package. We called them on XXXX, XXXX, and XXXX trying to check status of package. My daughter-n-law sent authorization to help with me and they told her it would take 30 days to confirm written authorization. They were giving me the run around for a week and they finally spoke with her and me XXXX and said they declined the package. They said I didn't print my name on the XXXX page of financial page but my signature was on the paper. They said I didn't send XXXX form no one called to advise me of this, but we spoke with supervisor and emailed documents XXXX. They said they are not sure if they will have time to look at package I advised you have a complete package on XXXX how long will it take to review. Supervisor advised she didn't know but to callback on XXXX by XXXX. I'm doing the complaint because if she would have told me I could print package on XX/XX/XXXX we wouldn't be going through this. Also, because they say their process is 30 days to confirm authorization and most companies take 24 to 48 hours. Also no one told me I could have gave my daughter-n-law verbal position for 30 days until XXXX when she asked how to get authorization on the first conference call we have on XX/XX/XXXX. Please help in any way you can. Me and my husband are elders and my I lost over 2000.00 in income and my husband just got out of hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTACHED IS DEBT VALIDATION LETTER AND SSC I don't know what account this is and how this company got my personal information which they commited identity fraud to get that. I also don't have a contractual obligation to pay this fraudulent account CAPIO ACCOUNT # XXXX *Please see attached documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
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: Their investigation did not fix an error on your report

Complaint:
I spoke with XXXX XXXX XXXX and they stated that I have a Perfect payment history with their company and I have no deliquecies. Equifax is reporting my account wrong and refuses to fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: TX
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 contacted XXXX ( XXXX ) and XXXX ( XXXX ) they have removed the additional hard inquiries from my report. Experian ( XXXX ) will not even look at them and several of them are duplicates. They refused to investigate until I get a letter from the same company I did not give permission to pull my report. 

Experian has ( XXXX ) different hard inquiries on my credit report that are not accurate.

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 2018-08-02
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase Credit Card Company. 

My closing date for the period was XX/XX/2018. Payment of {$6600.00} was due XX/XX/2018. I had enrolled in online auto payment of full amount. On XX/XX/2018 I purchased something at XXXX XXXX for {$100.00} and returned it two days later. On XX/XX/2018 I received credit from XXXX XXXX for the full amount of {$100.00}. On XX/XX/2018 they deducted {$6500.00} from my checking account for the auto pay ( full amount minus a XXXX XXXX credit ). I had attempted to modify this payment so that it would deduct the full {$6600.00} that should have been deducted. Due to some technical errors they deducted both XXXX and {$6600.00} from my checking account ( the current month balance was approximately {$3000.00} therefore I was in the plus over {$3000.00} on the account ). 

If there are protections in place to force me to stay within my credit limit ( a hold is taken against my credit before the transaction posts ) then I believe there should be protections in place that prevent me from paying twice. They need to take a hold against any payments that would allow me to double pay my account and prevent me from paying twice or overpaying. It is ridiculous that they have a process in place to protect themselves from the consumer over using credit ( their detriment ) but nothing in place to protect the consumer from over paying ( their benefit ). 

I only asked them to change their practices to prevent future harm to consumers but I was scoffed at and belittled. Please, you are the only people who have the power to help me change this unfair practice by Chase Credit Card.

Company response to consumer: Closed with explanation