BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This happened sometime ago, but Equifax was involved in my Identity being stolen and my nightmare beginning. At one point in Life I had A1 Credit scoring, now it is below 500. I lost my job, so I used my credit cards to pay bills and so on, but when my identity was misused and literally stolen. I thought my world came crushing down on me. I beg of you to further investigate this case and let me know if there any possibility that I may have some closure to this. 

Respectfully yours, XXXX XXXX XXXX # ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: IN
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 disputed bankruptcies showing on my credit report with Experian. The results came back " verified '' so I asked the company how was this information verified, at 1st I was told through the US Courts so I contacted the courts and they advised several times that they do NOT communicate in any way with credit bureaus nor any other types of data furnishers.. So I called back and asked again and was told the info came from another data furnisher. I asked Experian to send me their method of verification so that I may dispute it with this data furnisher and they basically are saying they can't.. I advised by law my consumer rights allow me to request this information and that they have a duty to properly investigate anything I dispute according to the fcra. I also advised that per the fcra anything not 100 % verified has to be deleted. So I requested proof that includes any documents or statements from this data furnisher in regards to this investigation. I advised a proper investigation has to be done that includes proof and just taking the word from a 3rd party does not validate anything on my credit report. The end result is Experian basically telling me the dispute is 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 explanation
Consumer complaint received 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
LOAN OPENED XX/XX/XXXX Dispute resolved ; reported by grantor {$1600.00} {$3500.00} Last payment XX/XX/XXXX THIS LOAN WAS REPAID BY THE SCHOOL, I NEVER OWED ANYTHING, LOAN WAS PAID BACK BY GRANTOR, I HAVE LOAN IS PAID OFF INFORMATION. BUT XXXX XXXX IS STILL REPORTING TO MY CREDIT REPORT NEGATIVITY I WAS NEVER LATE ON ANY PAYMENT, I WAS GRANTED FORBEARANCE UNTIL I GOT THIS ISSUE RESOLVED 7 YEAR LATER THIS IS STILL HAUNTING MY CREDIT

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 2021-01-30
Company: XOOM CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX  EST I received an email notifying me of a fraudulent money order transaction charged and processed on my debit card for the amount of {$450.00}. 
Upon inspection, it was made by the company Xoom.com by XXXX. I called to report that this was not me. I do not have a Xoom account. I wanted to know when, where, and how this transaction went through, but the company states they can not give me the information. All they offered was to debate the transaction. I agreed and asked them to send me an email or paper stating that I have a case # so I could follow up the scam. They refused to send me any kind of follow up email, but I recorded the call as proof and for my protection. I have tried reaching them through social media as well to have my case given the proper attention it deserves. I have had my bank notified of the fraudulent activity as well. 
All Xoom customer service stated was that they will restrict the recipient of the money order from further using their company but that does not return or guarantee my stolen money back. I asked for advice from a family friend police but havent reported it yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 AN IDENTITY THEFT, AND THE THE XXXX XXXX XXXX ACCOUNT ONM Y CREIT REPORT IS THE FRAUDULENT ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT. THE CHARGES ON THIS ACCOUNT ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, I HAVE REACHED OUT TO THE BANK AND THEY DON'T HAVE ANY INFORMATION ON THAT ACCOUNT. SPOKE WITH XXXX AT THE FRAUD DEPARTMENT AND EVEN HE HAS NO IDEA HOW TO LOCATE THAT ACCOUNT. THIS ACCOUNT IS FRAUDULENT.

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 2020-09-10
Company: EQUIFAX, 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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Wells Fargo and my household entered into a relationship in XX/XX/XXXX. It began with a small amount of accounts and grew into a larger relationship with three HELOCs, several mortgages, and 22 bank accounts as well as multiple brokerages. There are also 5 credit cards involved.

This banking relationship lacked one primary banker. Instead, I was forced to deal with over 20 different bankers. 

Problem is that aggressive sales tactics created a complicated web of replica accounts leading to issues about making bill pay simple. One example of the abuse is that a property tax payment designated to go out wrongly drew from the wrong default bank account. This problem was because of the multiple accounts and Wells chancing their web site so that the older defaults were no longer in place. 

I wrote to XXXX XXXX in XX/XX/XXXX to ask for his help to resolve the complaints. 

Wells Fargo and I have attempted to mediate the claim three times. Yesterday was the third time. They claim it is non-binding mediation and the mediator last year, based on three accounts, said they should pay {$2300.00}. 

Yesterday, I inquired about the payment. They said because I had additional issues, and turned it down, that they did not know to send. " XXXX '' the representative for the bank, did not tell me her role with Wells or her last name. She assured me that there was no releaser to sign and that I had the right, even if I accepted this money for the account ( my XXXX year old son 's account ), that I could still pursue my other claims. 

Well, I need the CFPB to simply get the {$2300.00}. And I need the CFPB to insist they mediate on the mortgage and HELOC issues since they said the current mediations did not encompass brokerage or mortgages.

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 2019-11-13
Company: SYNCHRONY FINANCIAL
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:
Synchrony Bank handles credit transactions for a number of gas stations and retail stores. I enroll in auto-pay with them ( an all my accounts ), but it seems every year they cancel my auto-pay, wipe their records, showing all my online payments as " one-time payments '', and attempt to charge me a late fee. Every year I call and they are very quick to refund the late fee - no questions asked - and I re-enroll in auto pay. 

I suspect that Synchrony is engaging in " digital check shredding '' in order to collect fees from their customers. This should be investigated by the appropriate authority.

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 2020-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2018 my account was compromised, all of my money was transfered from my checking account into a prepaid debit account managed by Fifth Third bank called Access 360. During this time I placed a block on my Fifth Third Checking account. With this block in place automated payments for bills were charged to this account and I was subject to overdraft and item return fees. A total of XXXX  USD was subtracted from my account in reference to these automated payments due to no funds being available after my account was compromised. On the XX/XX/XXXX I contacted customer service the moment I notice the money was stolen and filed disputes. They have told me it is an issue with the prepaid card service Access 360 which is linked to my Fifth Third account. Since this has happened I have still yet to receive my funds back but now I have a total of XXXX dollars remaining in overdraft fees a total of 5 fees were assessed to the account in which 3 have been reveresed or returned, leaving the remaining overdraft balance to be XXXX dollars. I have contacted Fifth Third which they told me I needed to speak to disputes and disputes said I need to speak to customer service. All of which have said they can not reverse these fees. The fees are only there due to my account being compromised I had funds available before money was stolen and even then I blocked my account to avoid any transactions from being made yet they still took place. When speaking with customer service they had no interest in helping me only saying I need to speak to the dispute department which disputes said they can not dispute fees. I have a financial institution that has not been able to assist me with this account takeover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22
Company: ALLY FINANCIAL INC.
State: OH
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 tired to dispute a car loan that was opened/co-signed in my name by a former spouse. During the time the loan was opened I was XXXX so there is no way I can possibly have opened the loan. I have documents to prove that as well and will add those to my compliant. I have tired 3 times now and can not seem to get them to remove it. The documents will show I was in XXXX  on XX/XX/2016. I had trial XX/XX/2016 and my XXXX was XXXX months which would make no sense as to how I would be able to get a car loan

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 2018-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I spoke to XXXX XXXX XXXX for my XXXX XXXX credit account that I have court payment agreement to pay {$40.00} a month. The lawyer at XXXX received a prior complaint, however, he wasn't willing to negotiate removal of the charge-off. I have a payment agreement and I want my credit report to show I'm paying the debt and its no longer a charge-off. He refused. 

In all fairness, I am doing my part to rectify the payment of the debt. However, as a consumer, I want my credit report to reflect accuracy. ITS NO LONGER A CHARGE-OFF. Stop denying me my right to a fair report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022, I spoke with a loan representative of Truist Bank about a home equity loan or a personal loan. She recommended that I fill out an application online at their affiliated company, " XXXX '', for comparable interest rates, easier qualification, and swift approval. on her recommendation, I did so. 

They advertise their rates " starting at '' 3.99 %, though I completely expected a higher rate than that. 

After inputting basic information about loan purpose ( home improvement ) amount requested ( {$25000.00} ) and payment term ( 180 months ), the website showed an interest rate of 6.49 % " with excellent credit ''. A small disclaimer noted " Exact rate within the range is determined by credit profile ''. 

I proceeded with the application. I had pulled my XXXX credit reports and they were all between XXXX and XXXX, a credit score that is considered " excellent '' or " perfect ''. I also accurately estimated my income at {$50000.00}, my home equity at $ XXXX, and my liquid cash on hand at $ XXXX. I know that the credit reports will reflect a consumer credit card balance of under {$2000.00} and no other debt whatsoever. Literally decades of not one single negative credit experience. It is hard to imagine a more " excellent credit profile '' than mine. 

Yet, my " loan offer '' came back to me today ( XX/XX/2022 ) at 7.99 % APR. Given my credit profile, is completely ridiculous for my rate to come in at a full point and a half above what they advertise as the rate for " excellent credit ''. Maybe a quarter-point, to give them the benefit of the doubt. 

Their underwriting algorithm is a black box ; they have no phone number to call to discuss their underwriting, and their email " support '' is a joke... i received a boilerplate " we are sorry for the inconvenience '' reply. 

I realize that the rate offered to me, in the current lending climate and overall scheme of things, is much better than the ridiculous rates charged by predatory payday lenders and such. However, it is still a consumer rip-off. 

This strongly smells of deceptive trade practices, bait-and-switch, and false advertising. I don't actually " need '' a loan so I have a choice to decline it, which I may do. But they prey on people who do need the funds and are lulled into accepting a rate that is substantially above what they are lead to believe it will be. I suppose that the law is weak and they may be able to get away with it, but that doesn't make it right. 

Their correspondence is boilerplate and non-responsive ( see attachments ).

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 2020-06-01
Company: EQUIFAX, INC.
State: FL
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:
See attatched Equifax Report XXXX Account XXXX reported by XXXX as Certifed Accurrate XX/XX/XXXX. ERRORS : 1 ) THIS IS NOT MY ACCOUNT See statement MC end XXXX XX/XX/XXXX. 2 ) Clearly as reported THIS DID NOT CLOSE XX/XX/XXXX and has a different account # 3 ) See XXXX Account XXXX Opened XX/XX/XXXX THIS WAS OPENED FRAUDULENTLY REPORTED AS ID THEFT case XXXX in XXXX & CLOSED XX/XX/XXXX *THIS IS NOT MY ACCOUNT. I DEMAND EQUIFAX DELETE THESE ACCOUNTS OR PROVIDE DRS LICENSE AND ORIGINAL WRITTEN SIGNATURE TO VERIFY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Validation letter was sent, company refused to delete fraudulent information from my credit report. I do not have a contract with this company please remove this harmful fraudulent account from my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

ENHANCED RECOVERY CO L XXXX Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Bread Financial Holdings, Inc.
State: WI
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:
On my XXXX  credit report, an account with Comenity BankXXXX  appears twice, with both items open and reporting different balances, monthly payments, and credit limits. The inaccurate information shows a last payment of XX/XX/2016 - when the XXXX account switched to XXXX XXXX and has now switched back again to Comenity. XXXX  and XXXX BOTH report this information accurately, but XXXX   does not. I filed a dispute with XXXX, who has not been helpful. I contacted Comenity and they said they show only 1 active account and will not assist or contact Equifax on my behalf as they believe there is no error. No one will listen to me or help me. I want the inaccurate information OFF of my credit report with XXXX. I want my XXXX   report to look the SAME as XXXX and XXXX, which both have the correct information. Neither XXXX  nor Comenity will take responsibility for this error!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On or about XXXX XXXX I asked XXXX XXXX to send me XXXX checks as I only had one check left in my XXXX XXXX checking account. I learned to from Schwab employees that my checking account had been closed! This without my authorization or knowledge! XXXX from Charles Schwab brokerage called late this morning to tell me that BOTH my checking account and my brokerage account had been closed! He told me, " This is a Schwab mistake ''! He said that my two accounts would be restored. 

Why though were my brokerage and checking accounts closed? 

Who closed them? 

Why did Charles Schwab employee XXXX repeatedly tell me my checking account was closed by me when I repeatedly told him that I had not closed it? 

How confident can I be that this will not happen again? 

How confident can other Charles Schwab Bank customers be that this will not happen to them? 

This is a scandal and not just a " mistake ''!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I was offered a grant from HESAA and was asked to accept or decline the offer, after I accepted it and started school at XXXX. I was surprised today by an email telling me that NJ state higher education has cancelled my financial aid. Now I'm stuck with the school is charging me XXXX % of the tuition fee even if I drop the classes as I have to take a loan or pay out of pocket. I feel like that I was trapped by HESAA to take the loan. I'm sure that this inconvenience was not from my part and I think somebody made a mistake on HESAA by offering me the aid and cancelling it few months later after I accepted it and I would be happy if I can get help from you to fix this issue by reviewing my FA application again.

Company response to consumer: Closed with explanation