BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, US DEP ED Company Inquiries : 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 explanation
Consumer complaint received 2020-05-15
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I have tried to dispute this matter several times but have had no luck with Wells Fargo. I have already spoken to several representatives through this complaint system at Wells Fargo and they have not helped me. 

I found a letter dated XX/XX/2017 stating that Wells Fargo communicated that the foreclosure would not occur if payment was received and it was. They extended my reinstatement for the mortgage due to issues with my payment online system. They let me do so and I submitted the payment in full. Per the letter, it states the situation and the representative was helping me recover the home and not foreclosure. However, they made a mistake on their end and miscommunicated to me the date of the foreclosure. Thus, the foreclosure occurred. So, they promised to not have any negative information reported. Please advise. I do not want to talk to another Wells Fargo representative, I just want this situation rectified per the letter that states Wells Fargo was in the wrong. The only thing I ask is for it to be removed 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 2021-02-23
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, Equifax and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: MARINER FINANCE, LLC
State: LA
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:
Hurricane Laura I lost everything requested property claim to be informed that I did not have credit property insurance which I requested. This is hitting my credit monthly. I am unemployed and have no income at this time. I was not I formed that I did not have credit property insurance.

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 2020-08-31
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:
On XX/XX/2020 I purchased tickets from XXXX for {$520.00}. 

On XX/XX/2020 I submitted a dispute to Citi for the full amount of {$520.00} as the concert had been postponed without a future date yet to report. 

On XX/XX/2020 XXXX cancelled the event and stated that I would be receiving a refund. 

On XX/XX/2020 I provided Citi with the e-mails from XXXX that I should be receiving a refund. 

It has now been more than 1 month and CITI still has not credited me with the total amount of {$520.00}. 

All I am asking for is to be refunded the amount that should be refunded to resolve this issue. It is unacceptable that this has taken months to resolve.

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 2020-05-15
Company: Experian Information Solutions 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-11-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a major problem with the credit bureaus. First my data was breached in an Equifax data breach and then someone used my info to get cars, credit cards, student loans, loans, medical care, and many other things in my name. I have filed a police report with XXXX XXXX XXXX and also and identity theft report with the FTC. I also filed disputes with all three credit bureaus and still they have done NOTHING and are trying to hold me liable for stuff I never personally received or authorized myself. There was even names, addresses, and other personal info that is fraudulent on my report as well. I have disputed some of this stuff multiple times and got NOWHERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a mailed pre-approved for an Aspire credit card with a {$1000.00} credit limit subject to verification of eligibility .The pre-approved card offer reportedly provides cards immediately after the consumer calls ( XXXX ) or accepts the offer online with the acceptance code that has been provided in the mailed offer. However, when I called to accept the offer along with acceptance code I was declined for no apparent reason. I was not approved immediately despite my eligibility.I was informed that I would receive a letter or email informing of the results of my application ( which was done con- ducting a hard credit check ) .I thought this was somewhat strange. I called back the next day and was advised by a customer service rep. that my application was declined, Further investigation of Aspire revealed numerous negative reviews fro other comsumers.Most that seem highly questionable and reported as a scam For your investigation of the matter, Aspire can be contacted by calling XXXX XXXX. This number is to their customer service department .This card company should be closed. 

Thank You. 
XXXX XXXX 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 2020-10-26
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX  is double reporting the same debt on my credit file for XXXX XXXX. As per my understanding this is a violation of the FCRA to double report the same debt on my credit file. This needs to be fixed immediately.

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 2020-08-31
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a large check from an insurance company for payment ( {$2900.00} ) and Chase held it for 10 days and that cause not only my personal account to be overdrawn but as well as my business account. I want the OD fees in both account refunded back to me, from the date of deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 been wanting to remove inquires from my credit report for almost 6 months now. I'm new to credit and just now figuring a lot of that i didn't have authorized or gave any consent. i would just like the items i have dispute removed and deleted from my credit profile so i can live a better life.

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 2021-04-25
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to file a complaint against BB & T ( Truist ) This is not the first time I have had trouble with this bank. The first time I tried to pay a credit card account XXXX XXXX XXXXXXXX ) via electronic transfer and was give payment con- formation and assumed all was well ; so I was surprised when I saw a late charge on my statement and that was when I learned BB & T had cancelled payment saying it was a fraudulent transaction costing me an extra {$27.00} and a ding on my credit bureau, I have yet to receive a refund from the bank. 

Then in XXXX. I received funds from what I thought from a company I had been hired by in late XXXX a branch of XXXX XXXX XXXX, XXXX a XXXX plus year old engineering company. I had no reason to suspect from this firm, and I have every conversation recorded on Telegram with their XXXX manger XXXX XXXX as well as my employment contract. 

So once again, I was blindsided by the bank when in XXXX they abruptly froze my account saying I was accepting fraudulent funds. I had done business with this bank for 10 years with no problems, and because I was under the impression I hired by XXXX  and I was receiving funds for items I needed for work so I did not question where the funds came from. 

As a result, I have racked up late charges With XXXX XXXX and reports of late payments on my credit bureau, and as result of this XXXXXXXX XXXX has lowered my credit limit twice and reported such to credit bureau further destroying my credit rating. I had no other source of funds to pay my creditors. 

As I told customer service and the branch manager, a simple phone call to me ( which I feel I was due as a simple courtesy after 10 years ) and I would have nipped in the bud, and even after I contacted the bank customer service they refused to reverse their decision saying the manger of this department does not like to be overruled ; well as a customer I don't like being treated the way I have been and watch my credit being destroyed through no-fault of my own. 

I am requesting this bank be heavily fined, me be reimbursed for lost funds and destroyed credit, and the bank be made to help repair my credit bureau, my XXXX XXXX account and my XXXXXXXX XXXX account. The manager of XXXX operations for XXXX has stayed XXXXnTouch still saying their account was hacked. 

I will be glad to provide you any of the Telegram conversations and a copy of my employment contract. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia 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 explanation
Consumer complaint received 2020-05-15
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I can not acquire another bank account due to US Bank sending me to collections. A transaction occurred through a third party payment solution company called XXXX. This transaction put my account in a negative standing of about $ XXXX in XX/XX/2020. I was completely unaware about this until I received a letter in the mail in XXXX stating that if I dont pay I will be sent to collections so I immediately took action and payed the negative balance along with a late payment totaling about {$400.00}. Once, I paid in full I decided to close the account at that time. I then found out in XXXX of XX/XX/XXXX that US Bank had put me in XXXX. This has hindered me from getting a checking account and to further my credit. I paid the amount owed and the late fee the same day I received a letter warning me. I need this to be removed. Ive contacted US Bank and they said it shouldve never got sent to 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 2021-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Chase bank banned me for life in 2012 and ever since I can not open an account there. I tried to find out why many times they refused to say. It's 9 years later and I am sure they just made a mistake and I don't think it's fair to anyone to shut down their accounts like that without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Allied International Credit Corp., (US)
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2021 I received a letter from Allied International Credit Corp stating they are attempting to collect a debt from XXXX for {$910.00}. This debt does not exist. After looking into this, I saw others have received the same notice. I am not contacting XXXX or XXXX because this is fraud and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by someone who knew everything about me. Name address social security number and phone. They frightened me, saying I would be served papers on a collection account ... and be subject to wage garnishment, tax interception, property liens. There is no such thing on my credit report. They sent me a contract to pay via e-mail. It has no physical address. It is very fishy. I'm scared because they know all my vital stats and feel it is probably data from a breach being used to trick me into paying money on a collection issue which has been long since resolved. I can forward you that document to look at. I at least would like professional second set of eyes on it. 

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 2020-10-26
Company: Experian Information Solutions Inc.
State: NC
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 never been late on this account 2019, please provide physical proof of late payment. Also, please provide method of verification. 

XXXX # XXXX This in information is inaccurate Fair Credit Act # 611

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 2021-02-23
Company: Santander Consumer USA Holdings 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:
Problem 1 : I am unable to get a letter confirming my car has been paid off. When I call I am left online pressing buttons and get caught up in a loop. Unable to speak with anyone. 

Problem 2 : Late payment incorrectly reported for XX/XX/2021 and XX/XX/2021. 

Problem 3 : The last statement online is showing that there is still a balance. This is incorrect. I need a statement showing this loan has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX at XXXX. I made a deposit using cash app of XXXX. The deposit appeared in my BB & T account and then I heard reports on the news of a bank failure. I checked my account and I saw multiple over draft fees and that my transation was no where to be found. I checked with cash app and indeed they did transfer the money at XXXX. I personally saw the funds there. When contacting the bank, I was told that they have no record of the transaction. I have asked if they would like me to send them any records I have and they have refused to acknowledge that they ever had the credit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Account opened XXXX Previous deposit went through fine. 
Deposit of XXXX on XXXX all funds were held due to " back office hold '' for new account. Again- previous deposit went through with no holds. 
Contacted bank to release hold and they said no. No access to money until XX/XX/XXXX ( 10+days. ) Mobile deposit info says that if a hold will be placed- you will be given option to cancel deposit. This was not offered. 
This is absurd. Bank is holding my money that I need for no apparent reason since previous deposit went through without " new account '' hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I would like all of my student loan accounts removed pursuant to 15 usc 1681 ( b ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, 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:
The following fraudulent accounts are on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX A {$240.00} XXXX XXXX XXXX XXXX {$380.00} Account number XXXX ( no name provided ) {$120.00} I have been trying to get this resolved since last year with no luck. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Consumer Portfolio Services, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX**** Balance Owed : {$460.00} Chargeoff XXXX/XXXX XXXX**** Balance Owed : {$0.00} Chargeoff CONSUMER PORTFOLIO SVC XXXX**** Balance Owed : {$17000.00} Chargeoff XXXX  XXXX**** Balance Owed : {$18000.00} Chargeoff XXXX  XXXX XXXX XXXX**** Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX**** Balance Owed : {$700.00} Collection Chapter XXXX Bankruptcy Discharged XXXX Chapter XXXX Bankruptcy Dismissed XXXX These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation