BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following Items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-10-26
Company: OneMain Finance Corporation
State: MI
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:
My personal information has been compromised and someone is attempting to apply for credit using my information. 

I have reported this to all three credit bureau 's but a fair resolution has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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:
Date of purchase : XX/XX/XXXX Amount : {$660.00} Company : XXXX XXXX XXXX Citi Case  # XXXX Summary : I filed a dispute with XXXX XXXX XXXX  with my credit card after numerous attempts for a refund with them. After many months of communication back and forth, Citibank decided to rule in the merchant 's favor despite hard evidence that the merchandise being returned and their failure to receive all documents needed despite be given to them multiple times. 

I submitted a dispute with the merchant on XX/XX/XXXX after trying to return the merchandise to the store and dealing with their customer service. On XX/XX/XXXX the item was delivered to XXXX XXXX XXXXXXXX. A refund was not issued due to the merchant claiming that the item was not in the box when it was returned. I followed up with the merchant and explained to them it was a mistake on my part and I would need another label reissued to me to send back the correct item. I did receive this label from the merchant with the same tracking #. I repackaged it and received proof from the shipping company that it was returned. On XX/XX/XXXX, I dropped off the package back to XXXX XXXX XXXXXXXX with tracking # XXXX with the item being delivered back to the merchant on XX/XX/XXXX. The merchant insists that they never received the item back which led to the chargeback despite explaining to both Citi and XXXX XXXX XXXXXXXX that they gave me the same label hence the confusion. Citi ultimately decided in the merchant 's favor on XX/XX/XXXX and gave me no recourse and said their decision on the matter was final because the merchant 's bank decided it was closed.

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 2022-01-26
Company: DISCOVER BANK
State: VI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I had a loan with DISCOVER PERSONAL LOANS and due to XXXX XXXX and relocation and provided discover with updated address to receive bills but never arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo 's refusal to reverse fraudulent wire transfer in the amount of {$19000.00}. They acknowleded the fraud by reversing XXXX other transfers from credit card, savings account, and 1 wire transfer. They are refusing to reverse the {$19000.00} and have been denied 3 times so far so far by thier fraud department. Please see all the info on attached docs.

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: Lentegrity Management, LLC
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:
Its Hard Inquiries On My Report I Dont Recognize

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: MO
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Account # XXXX I have been a Capital one customer since XXXX. 
Capital one charge me {$39.00} annually membership fee. 
capital one makes a lot of money from me in inters rate. 
Recently I have been paying off every month the charges the I made. 
but in early XX/XX/XXXX capital decided to close my account. 
they wait until I max out the credit card. 
They claimed that I did not talk to I customer serve rep right and the conversation was from in XX/XX/XXXX. 
So why they didn't close the account from in XXXX are XXXX. 
And they did have the decencies to inform me, so I don't used the card. 
I find out when XXXX alert me that my account was closed. 
by capital one closed my account my credit score went down by XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
3 credit bureaus. are reporting late payments I have never been late on any payments.they stated 1 being mortgage I sent then full copy of all payments they didnt correct. They are Fabracating and reporting to banks credit card cos. etc. THE REPORTS I SEE FROM THEN DONT SHOW ANY LATE PAYMENTS ON ANY 10 ACCOUNTS.THEY ARE REFERING TO.

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 2019-10-30
Company: BB&T CORPORATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage company fraudulently debited bank account for mortgage payment in XX/XX/XXXX resulting in overpayment of account and overdraft of bank account, discussion held with bank representative in XX/XX/XXXX reflecting the overpayment and credit being issued for payment due in XX/XX/XXXX, payment for account had already been sent and should have credited for XX/XX/XXXX which brought account current, notice sent sometime later in XX/XX/XXXX stating that payment had not been received and that account was behind. Tried to contact bank rep that assisted in bringing account current but was advised that no such bank rep could be found. Continuous contact with bank reps have not remedied the situation and late charges and other fees have been added to the account fraudulently since XX/XX/XXXX, have exhausted recourse through bank reps that have all this information in the record but have refused to review it. Contacted XXXX XXXX to help with this matter in XX/XX/XXXX but have had no remedy from the mortgage company now in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Kriya Capital, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my XXXX credit report on XX/XX/2019 and I noticed that a collection in the amount of {$310.00} was reported as a bad debt from the creditor Credence Resource Management. I do not owe this debt, and I have no knowledge of this debt at all. I was not properly notified by Credence Resource Management about this debt at all before they reported this to the credit bureaus. By law, creditors are required to contact a debtor in writing to give them knowledge of the alleged debt. I did not receive such notice to be able to to dispute this alleged debt. This is an illegal collection. This has ruined my reputation and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am having issues getting a hold of someone in Mohela. I qualify for the XXXX administration debt relief for low-income load borrows. It is impossible to get someone on the phone regarding the process and to get knowledge on what will be forgiven. I have called on numerous occasions with the wait time being as long as XXXX hours and no one ever comes on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I wanted to switch to a different card ( to Visa Cash Wise from Visa Signature ) offered by Wells Fargo in XX/XX/2017. Wells Fargo was not willing to switch the product, but rather had me open a second card Now I have the problem, that the new card has a rather low credit limit of {$3800.00}, whereas the other one has a credit limit of {$5000.00}. I would rather have the credit limit on the older card reduced ( e.g. {$1000.00} ) and transfered that credit limit to the Visa Cash Wise. 

I have called Wells Fargo, but they are not willing to accomodate that request. I don't really understand why, as there would be no change to my overall credit line

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 2020-09-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Filed a dispute with the three credit reporting agencies, Transunion, XXXX, and XXXX. I disputed information contained in my report. The information is from XXXX a collection company phone is XXXX. This collection account is on two reports. transunion and XXXX.. Its not on XXXX. I called the creditor and they said I had to call the credit agency to get them to remove the item from my report. The dispute results came back without it being removed. It is being reported as if its a current collection account and it is not. Last date reported was XX/XX/19 on Experian and XX/XX/19 on Transunion. This is damaging my score and hindering me from getting the credit I am seeking to obtain. Also there is a " DISMISSED '' Chapter XXXX case number XXXX on all three reports and it has been 6 years. I am not understaning why a " DISMISSED '' bankruptcy is still on my reports. I did refile the chapter XXXX and it has a different case number. That one is " DISCHARGED '' so I understand why it is there. But not the " DISMISSED '' one.  Why is the law allowing this if at all. I have disputed this called the agencies to no avail to get these items removed from my credit report. I need your assistance please. 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 2023-06-14
Company: YSA ARM LLC DBA Oxygen XL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I parked in a handicap spot and used my XXXX again and initially it said paid. When I got to the restaurant It said there was a problem, so it then said not paid.. I was taking care a person with a XXXX so I was unable to run back to my car.. I immediately used all resources listed in the app to contact but couldn't get any answer or resolution and immediately received a ticket. 

The app didn't work properly and did not provide a simple way to resolve. I feel a little scammed because the app initially said paid, then only later did it say it didn't work. 

'I don't feel that I should pay all these fines because the app didn't work properly and I tried my best to pay. 

I have attached my text conversation with their " customer service '' to show I tried. I didn't take a screen shot of the app saying it was paid because I didn't think this would become such an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Applied Data Finance, LLC
State: CA
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:
Personify ( Applied Data Finance ) knows that I am represented by an attorney yet the continue to contact me to solicit me not once, but twice in XXXX. This is a violation under the California Fair Debt Collections Practices Act 1692 c ( c ) After written notification that consumer refuses to pay debt, or that consumer wants collector to cease communication 1692 c ( a ) ( 2 ) After it knows the consumer to be represented by an attorney unless attorney consents or is unresponsive. 
No lawsuits are filed as if this time. I want this harassment to stop, but it keeps on going instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: NV
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:
There is incorrect addresses showing on my credit reports. The only address I have is XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: JPMORGAN CHASE & CO.
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a new checking account at my local Chase Bank branch on approximately XX/XX/22. To fund this account I provided a series of checks, most of which were reimbursement checks from my health insurance company, XXXX XXXX. Specifically, 5 checks for the amount of ~ {$2800.00}. 

When I went to use this account about a month or so later I discovered that all the money had been withdrawn from my account. Concerned about this, I called Chase to report likely a fraudulent withdrawal. Chase stated that they had discovered the checks from XXXX XXXX  were potentially fraudulent, and therefore had closed my account. They also claimed to have sent me physical mail notifying me of this, however I never received such notification. 

After escalation, Chase stated that they needed a verification for XXXX XXXX  so that they could call and confirm the checks were not fraudulent. The number they had on file they stated was not working. 

There were many back and forth conversations between myself and Chase, and myself and XXXX XXXX, in order to try to obtain this number. XXXX XXXX failed to provide this for me, and eventually I gave up and just requested that the checks be reissued so that I could an account at a separate bank. 

At this point, XXXX XXXX confirmed they could not reissue the checks as the money had actually been withdrawn from their XXXX XXXX account by Chase. Since Chase had cashed the checks, money had been transferred and it was therefore impossible to reissue them. 

I once again contacted Chase to confirm this, and they admitted that they were indeed holding the money. But even after escalation in their customer complaint department, they are refusing to return it to me or XXXX XXXX without a verification number. They have also multiple times stated that it is my ( the consumer 's ) responsibility to obtain this number. I re-escalated this request with XXXX XXXX, however have been unable to obtain a verification number to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My XXXX year old son took my phone without my permission and transferred {$500.00} to a random person on zelle thinking he was buying a XXXX. He told me this person blocked him after and lost all of my money. I was so furiated. had no idea this occurred as I was busy on my laptop. I immediately reacted by calling my bank to say an unauthorized charged occurred. I just want to get my money back. It has already been removed from my bank and I have already filed a dispute. If this dispute doesnt return my money what do I do!? I did not allow for this to happen and i have no idea who the person is he even sent the money to on zelle. I have pictures of their conversation on XXXX. I believe this person is a scammer under a fake name. I will include them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Granite Edvance Corporation
State: WA
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:
Granite State Management and Resources spontaneously stopped processing electronic payments for approximately a 4 mo period between XXXX XXXX and XXXX XXXX ( after 13+ years of not missing a payment ). They then spontaneously started working again. During this timeperiod I made multiple attempts to pay my loans ( above the minimum payment, an adjustment that started the issue ), received confirmation that the payments when through ( there were sufficient funds during this timeperiod ) and then 10-15 days later they failed to process them, didn't communicate directly with me ( as they had when they worked ). They used 3 different electronic communication methods during this time, one of which was a secured notice via an email notification that expired and was deleted from the history page on line within 4 days of being sent. GSMR failed to respond to my queries and then reported my account to the credit agencies as 90 days late. This came in as a duplicated delinquency as it was a consolidated loan, noting here there was no way to separately pay these accounts through GSMR. GSMR has been unwilling to address the issue and customer service has led to the same individual who is incredulous and rejected my request for review before receiving any of the supportive information where I had detailed this issue chronologically. If you had similar issues during this timeperiod please report it to your state attorney general and on this forum. Prior to this issue I had a perfect payment history and a credit score in the mid 800s.

Company response to consumer: Closed with explanation