BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: CA
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Please Remove these fraudulent items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2021-12-11
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/19 I responded to an online Citibank promotion to earn XXXX miles on XXXX XXXX after spending at least {$3000.00} within 3 months. I spent over {$13000.00} in the first month and paid it in full. When I didn't receive my miles I contacted Citibank on XX/XX/19. They informed me that I wasn't eligible to receive the bonus miles due to having had a Citibank card within the past 2 years. I informed them at NO time was I informed that I was not eligible to receive the bonus miles. When I received my credit card there was NO mention that I was not eligible to receive the bonus miles. They gave me another number to call ( XXXX ) to resolve the problem. I called and spoke to XXXX today, XX/XX/19, and she refused to give me the miles. 

My statement to her was that if they are able to determine I'm now not eligible to receive the miles they should have been able to determine this when I was submitting my application. This is very misleading on their part. If I had known about their bait and switch I would have gone with another company. 

Regards.

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 2023-09-15
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Client has called my wife several times about a medical bill discussing the debt and giving her detail of the debt. I have asked to to stop calling several times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had someone using my name to get edd benefits threw bank of America and I didn't know they were using my name and having benefits sent to bank of America and spending them without my knowledge. 
My claim was denied due to the fact that I reported the transaction over a year from the time they were made. I had no knowledge that my name was being used to get money sent to bank of America and these people using the cards to purchase items, once I became aware I reported it to bank of America but they denied my claim because I reported it over a year after the cards were used. I had no knowledge this was happening to me. 
I sent them proof I was in the hospital at the time these transactions took place and now it's over a year of waiting for this to get resolved and for me to get reimbursed. I have spent countless hours on the phone trying to get this taken care of and still no resolution from b of a. Please look into this and see I wasn't able to make the transactions because I was in the hospital at the time the transactions were taking place. Thanks for you time sincerely 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 monetary relief
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
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: Report provided to employer without your written authorization

Complaint:
I have disputed Inquiries that's on my Experian report numerous of times but Experian have not did anything. I have contacted the creditors and NONE of them have Proof that I authorize the below inquiries ( on the upload documents ). I repeat I HAVE CONTACTED ALL THE CREDITORS AND THEY HAVE NO PROOF I AUTHORIZED THE INQUIRIES. IF Experian have anything with my signature on it that proofs I authorize any of the inquiries I would like to have a copy of them all. If not please delete off my credit report. The inquiries is negative impacting my credit score and stopping me from getting a mortgage.

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 2021-11-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  amount XXXX ; disputed account and requested for it to be removed because this is not my account and it is still on my credit report with all 3 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 2023-04-03
Company: Consumer Adjustment Company Incorporated
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Consumer ADJ CO has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX Compliance. 

I have disputed this several times in attempt to correct the inaccurate information that is being report, however Consumer ADJ Co has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Berlin-Wheeler, Inc. (Kansas)
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 information incorrect

Complaint:
XXXX XXXX is reporting that my account was turned over to a collection agency and they never once sent me a final bill. They came and picked up all of the equipment and I was told Id receive my final bill. I got a receipt for the equipment picked up by the XXXX representative and theres NO WAY that my bill is {$580.00}! It was less than {$360.00}. I have also attached the contact info of the XXXX representative that came on XX/XX/2019 and picked up the XXXX equipment.

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 2019-10-29
Company: Premier Student Loan Center
State: WI
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:
I set up a repayment plan through Primier Student loans center on XX/XX/2018. I set up autopay, and have been paying each month on time. The first 6 payments being {$220.00} a month and {$20.00} a month since. However, they have not made even 1 payment towards my student loans. My loan holder ( XXXX XXXX XXXX ) is now contacting me because loans are back in default and payments are now late. I have tried calling premier student loans, but they are currently not answering calls or e mails.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-04
Company: Payward Ventures Inc. dba Kraken
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
From XXXX to XX/XX/2021, under undue influence from a guy I met on XXXX XXXX  app, I started using Kraken  ( Kraken.com ) to purchase Crypto currency to send to investment platform ( https : XXXX ). However, I later discovered that the investment website is scam because they kept coming up with excuses to asking me to pay for more taxes and fees while denying my withdrawal. I contacted Kraken to report being scam, and told Kraken customer support that I reported the incident to FBI, SEC, and FTC already. Kraken customer service immediately closed my account and gave me support ticket number XXXX. They won't allow me to access my account unless the police requested. Kraken has not done any investigation to protect customer and blamed customer 's fault for fraudulent transactions. 
The total amount of money I transfer from Kraken to scam investment platform is {$690000.00} XXXX. And yet they do not take any action to investigate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax continues to show an in accurate public record ( Dismissed CH XXXX Bankruptcy ) despite repeated disputes that I have made. They keep saying they have verified the information as coming from XXXX. This item was removed from my XXXX report in XX/XX/2020. XXXX # in reference is : XXXX removing XXXX case # XXXX from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I sent Receivables Performance Management LLC in regards that, I am invoking my specialized remedies as a consumer under federal law 15 USC 1692 of the Fair Debt Collections Practice Act. As a federally protected consumer My privacy has been willfully violated ( 15 USC 1692 ( a ). Receivables Performance Management LLC is attempting to collect a debt that has not been verified or authenticated by me. Further i have not given Receivables Performance Management LLC the access to have my personal information, nor contact me, 15 USC 1692c ( a ) Below are the violations i've due to the injuries they've caused me. 
Fact, Affiant  is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692b ( 5 ) Fact, Affiant  is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692b ( 2 ) Fact, Affiant is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692b ( 2 ) Fact, Affiant is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692c ( A ) Fact, Affiant is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692d ( 2 )

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 2020-02-06
Company: Chime Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I was trying to send XXXX USD to my sister but by mistake I send to wrong person, I try to escalate this issue I contact the Sendwave they promise me refund back to my account in 1 day latter they text me and tell me that they cant Reverse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: GA
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of deroPlease remove these fraudulent accounts from my report as soon as possible DEPTEDXXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 repeatedly contacted all 3 Reporting agencies advising them on erroneous errors on my Credit Report including names, addresses, and accounts that are not mine.

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 2020-02-06
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$320.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is no outstanding balance. This account needs to report a {$0.00} balance and the collection/charge-off needs to be removed. This account is in good standing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We having been paying our mortgage for years, and the balance hasn't come down. We recently notice that all payments hasn't been applied. Calling and writing hasn't gotten their attention. Who can help? My company is Wells Fargo. Please email answers 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 2020-02-06
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We have been a Discover Card holder for over 10 years. Whenever I have paid the previous month 's balance off the following month I have never been charged a Finance Charge. Now Discover Card is trying to use some kind of " computer '' magic to say that the daily balance is assessed a finance charge on any unpaid balance over the term of the month. I have asked several times for this in writing w refusal. I called and they said they would not send to me. I have been online with their chat person and this person says they can not send to me the " computer figures it out. '' This is impossible, if I pay the statement balance off from the previous month. There should not be an interest charge. 
Also, today is the day they issued the statement and mysteriously my statement on their website is NOT available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XX/XX/2013 I financed a vehicle through Santander Consumer USA. At the time I had poor credit and the loan terms were obsurd. 
On XX/XX/13 I entered into. TRIPP ( temporary modification agreement ) which cut the monthly payment in half, however I was not told the ramifications resulting from this agreement or that interest only payment would expand the life or cost of the loan. I was also never provided written documentation, as promised in the TRIPP agreement as to how this would affect the payoff date for the loan. I have now paid over $ 21k in interest for a car that has a staled price of $ XXXX. As of calling last week, I was told I still owe over $ 10k on the car, which is beyond obsurd. Santander Consumer claims they wont settle my loan or allow me to pay or a percentage to get out of this predatory agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CONTOUR MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Too much to type it all out as this has been an ongoing issue over 8 months, but I've been trying to close a refinance with Contour Mortgage since XX/XX/XXXX. Just this week ( week of XX/XX/XXXX ) I was informed that a final decision has been made to not refinance my mortgage. I was not given an official reason and I supplied every piece of information that was requested of me in a very timely manner. I have not received a refund for the over {$2000.00} in appraisal fees that I was charged, and my credit was checked multiple times without my approval to do so. These inquiries will negatively affect my credit for the next 24 months. What is happening to me should be illegal. I fear it may be discrimination, as there is no other logical excuse or reason this is happening to me, when loans for other people have been getting closed since XXXX without issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit score was lowered by 19 points due to XXXX raising my credit score, and when I did not use the available credit, they lowered the credit line which caused my credit score to drop. It look as if the company lowered my credit line. My payments have been on time for the entire time the account has been oprn.

Company response to consumer: Closed with explanation