BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: WA
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:
To Whom It May Concern : I sent a request for the method of verification to Experian via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the account XXXX I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.

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 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX- Based on these alleged facts, the Complaint asserted a single cause of action for violation of California 's Automobile Sales Finance Act. The Complaint also alleged that XXXX XXXX XXXX was liable for XXXX XXXX 's conduct because it was the assignee of the XXXX XXXX Several XXXX XXXX companies violated consumer protection ... would be waived or forgiven if they accepted certain settlement offers XXXX  : n XXXX of 2017, XXXX  announced a data breach that exposed the personal information of XXXX XXXX people. The company has ... 

other Major violations : The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies XXXX XXXX XXXX XXXX XXXX inquires : the dealership violated institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] ... information from the consumer report will not be used in violation of any applicable Federal or ...

XXXX XXXX XXXX XXXX XXXX is fair debt violation XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ftc violations XXXX XXXX wife was affected also same above ss last 4 is 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 2023-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
My credit report was accessed without my permission. Bank was instructed to run credit report only once at starting of credit. Credit was accessed and decisions was made to close account without my permission.

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 2023-05-26
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
Dear Consumer Financial Protection Bureau, I am writing this letter to report a violation of the Fair Credit Reporting Act ( FCRA ) by a creditor. I recently checked my credit report and found that the creditor had listed inaccurate information, which has negatively affected my credit score. The creditor did not follow the regulations laid out in the FCRA, which mandates that creditors must report accurate information to the credit bureaus. 

According to the FCRA, if a creditor fails to report the correct information, they have committed a violation that can be reported to the Consumer Financial Protection Bureau. I hereby request that an investigation be conducted into this matter so that the creditor can be held accountable for their actions. Additionally, I urge the bureau to take necessary action and ensure that the creditor corrects the inaccurate reporting to the credit bureaus. 

I believe the creditor has violated the law and my rights under the FCRA, and I request appropriate legal action to be taken. Thank you for your attention to this matter, and I look forward to receiving your response. 

Credit Report XXXX XXXX Inquires Dates XXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed all inquiries 5 times Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by cash app. I had XXXX took out of my bank account. Someone called my phone acting like customer support from cash app and got my debit card number. Once I woke up all my money has been drained from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The bank who has my mortgage is being unfair because they are expecting me to pay {$5300.00} of monthly payments for the next 12 months. I am a single mother with XXXX kids. I am currently on a repayment plan of {$5300.00} monthly for 12 months that started back on XX/XX/2017. Ive made four payments of {$5300.00} already totaling {$21000.00}. I simply cant afford to pay {$5300.00} knowing I am solely responsible for my XXXX young children who live with me. My ex-husband XXXX XXXX abandoned me and my children leaving us to fend for ourselves. I pay my utilities, provide food for my children, school supplies and clothe them when needed as they continue to grow. Sadly, I had to replace the Hot Water Tank, fix the Boiler, and repair the leaking sealing of back basement entrance that was causing mold. These expenses along with taking the difference from my savings to cover the short fall between my income and the {$5300.00} has depleted my savings. I can afford my normal mortgage payment with my children expenses, utilities but to pay {$5300.00} is very difficult. I was put in this position because of my Ex-Husband. I am heading back to Family Court to file a violation against him for not paying the child support. He is supposed to pay {$1200.00} per month. I work two jobs along with my mother giving me money monthly helps me a great deal. I have been with my first job 20 years and my second job 3 and years. I am a good strong independent woman who just made a bad judgement of marrying the wrong man. I comfortably afford to make my mortgage payments and still give my children food. Note I am now the Sole Owner of the Property as it was signed over by my ex-husband the deed to me and I have the deed in my hands now. The deed was sent to the bank back in XX/XX/XXXX to review me for a modificiation in which they are refusing to offer. Its like they rather me end up on the streets that to give me a chance to do the right thing here.

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 2018-07-28
Company: AMERICAN EXPRESS COMPANY
State: CT
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:
A dispute was filed for charges including two XXXX transactions on XX/XX/XXXX,  amounts of XXXX and XXXX. Additional charges from another merchant, XXXX of XXXX XXXX, were resolved directly, without any help from American Express as they denied claim for all charges. Items from XXXX remain unresolved, I've spoken with numerous XXXX reps, was advised to dispute charge with American Express and that they have not received any charge back or thereof from them. It appears American Express had done nothing at all to dispute any of the charges, just flat out denied the claim without investigating. I believe they merely verified billing address with merchant ( s )  and considers that enough to deny claim, which is unfortunate as they will continue to receive complaints until credit is issued. XXXX will not reimburse/refund charges, they refer me back to American Express. As you can see, the two banks have me bouncing back and forth, neither party has provided any proof these charges were authorized, which they were not. XXXX XXXX XXXX replies on behalf of American Express, this person has never shown any evidence whatsoever that XXXX transactions were authorized by myself or that I received anything from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is a collection agency that continues to report an account that is a result of identity theft. I did authorize the account they're are attempting to collect nor do I own or have the vehicle connected to this debt. I have submitted an identity theft report and disputed the account as fraud with the credit bureaus but XXXX XXXX continue to verify a debt they have not and can not validate with my signature in a contract owning up to this debt. it has caused me damages and continues to ruin my credit and defame my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020, I had a fraudulent charge to my account by Amazon. I called the bank to notify about the unauthorized charge. I got my card cancelled and my money returned. On XX/XX/2020 the same amount was pulled from my account showing a " reversal claim ''. Chase Bank claims that XXXX has proven to them that it was something that I " did purchased and that it was sent to my home ''. I don't know how that was proven when it was not my purchase. I went to my local branch and they told me to send a fax with what I have to proof. I have sent a fax ( XX/XX/XXXX ) with my proof to Chase bank Claims and shown them that even XXXX  accepts that that there was a fraudulent activity in my account on this order number. I've called the bank 's claims department on several occasions ( XX/XX/XXXX, XX/XX/XXXX ) and even before these dates, and they tell me that I have to call XXXX. I've called XXXX  several times, ( XX/XX/XXXX, XX/XX/XXXX ) and have been texting with them even before this time. At the end, XXXX, told me that they don't do " claim reversals ''. I called Chase Bank again to reopen this claim again and investigate showing them my proof and again they sent me a notice ( XX/XX/XXXX ) saying that nothing will be done about it and my money will not be returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-28
Company: WELLS FARGO & COMPANY
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
On XX/XX/18, I made a payment of {$1000.00} to my Personal Line of Credit at Wells Fargo, intending to pay down the loan. On XX/XX/18, while attempting to make a transfer on Wells Fargo 's website, I accidentally transferred {$1900.00} into my Personal Line of Credit. This was not intended to be placed there and I called Wells Fargo as soon as I noticed this didn't go to the correct account. Wells Fargo reversed the payment on XX/XX/18. Also on XX/XX/18, Wells Fargo lowered the limit to {$400.00} ... leaving {$370.00} of available credit prior to refunding the accidental payment. When they refunded the overpayment, the balance shot up to {$1900.00}. I feel that if my overpayment were not considered, my line of credit would have been reduced to the balance on the account or around that amount and not to {$400.00} which resulted in my utilization on the account being 492 %. I have spoken with numerous departments at Wells Fargo who have refused to assist me and don't seem to grasp the issue.

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 2019-11-02
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:
data breach ftc sent inaccurate information must be removed by CRA laws Equifax XXXX and XXXX does not want to comply with LAW inaccurate information that can't be corrected must be removed CRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XX/XX/XXXX my mom in NY was contacted from a California Phone number XXXX in regards to a court summons Iawsuit for me. I called the the number and was told I was being sued on an old bank account. I had 2 choices, to pay them over {$3000.00} for the amount owed to the bank and their lawyer fees. I called the bank and they said that the account was overdrawn by {$80.00} and was sent to collections, the company went out of business and the debt was settled. I was currently in good standing with the bank. The account was settled in XXXX. I called the county clerks office and there are no pending lawsuits against me. This company XXXX XXXX doesn't exist anywhere, and they have my social security number which is very concerning. I was able to get a payment agreement document which I didn't sign as proof. 

When asked about the debt in question they stated I'd have to go to court to get any proof of the debt. When I asked why I wasn't served in person, they said because of COVID, they weren't going door to door.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was a customer of former XXXX. I have a personal checking account with them. XXXX sold its US business to Citizens Bank. In XX/XX/XXXX my XXXX checking account became Citizens Bank checking. Since then Citizens Bank has charged various fees without the appropriate disclosure. In XXXX I have no monthly fee as long as I maintained a certain amount of balance. Citizens Bank 's opening email said nothing is changed, but charged me {$9.00} monthly fee and {$3.00} statement fee. This is predatory behavior that probably made an unfair profit for the bank. I called Citizens bank and told them I wanted to close my account due to excessive and predatory fees in XX/XX/XXXX, and they used various barriers to stop me from closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
LOAN # XXXX First and foremost we only and mainly fell behind because without notification out mortgage was increased due to an error that was on Carrington part I believe. We have never paid property taxes because we are exempt from taxation being that my husband is a XXXX XXXX XXXX XXXX military veteran. Carrington said that they received a bill in which is false but sent a payment to XXXX XXXX county property appraisals office and after waiting about 3 months to correct the issue they indeed received the money back that was paid out. I did not agree with the increase and instead of paying increased payment I wrote a letter of explanation and sent in what my regular payment would 've been in to them for a couple of months. By the time the issue had been corrected and funds returned 3 1/2 months had gone by and they refused to go back and lower the payment for those month leaving my family completely overwhelmed. Now we have been trying to do a modification and are having our document declined and saying it 's not correct even after documents are coming directly from official government entity like social security department of veterans affairs and department of children and family even getting departments supervisor involved. It is my belief that Carrington Mortgage Services is trying to maliciously sabotage our loan for their own reasons like selling our home to themselves for {$1000.00} and thamks to the VA A RESCISSION was granted and we moved past it. We are in great need of help and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting XX/XX/23 I have been receiving phone calls every day and morning for the past 3 weeks I block one and they then call me from a different one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax Equifax has not updated my XXXX score since XXXX of XXXX. It is still reporting my XXXX score in the XXXX. I am contacting the agency only to get the run around. All my other credit score are in the XXXX. It seems as though this is a part of the erroneous credit scores that were uploaded in late spring ; early summer. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Financial Corporation of America
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
FINANCIAL CORPORATION OF AMERICA HAS CALLED MY JOB ON SEVERAL OCCASIONS AND I HAVE ADVISED EACH TIME TO NO CALL MY JOB AT XXXX BUT STILL CONTINUE TO CONTACT ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: EQUIFAX, INC.
State: MI
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 respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on my credit report.

The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX  Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT It is my understanding that under law you have 30 days from the receipt of this letter to verify this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. CHAPTER XXXX BANKRUPTCY DISHCARGED CHAPTER XXXX BANRUPTCY DISMISSED

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 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on my credit report.

The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX COLLECTION Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT It is my understanding that under law you have 30 days from the receipt of this letter to verify this item.

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