BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: Bread Financial Holdings, 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:
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.When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: TMX Finance LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I was out of town when my payment was due and received phone call when I returned. XXXX of XXXX is spoofing a XXXX XXXX XXXX phone number. I had declined that number several times as I have no business with XXXX  XXXX XXXX. The XXXX agent never left a voicemail. But becoming frustrated with calls from " XXXX XXXX XXXX '' I answered and agent introduced herself as a XXXX Agent. 

I don't agree with this practice at all and believe it to be fraudulent. I would have answered the first time if the caller id was identified correctly!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to my local police department to file a claim for a identity theft report but the officers were unable to assist because i didnt know who was responsible for stealing my identity. 

Listed accounts were removed but the credit bureaus put them back on my profile after 90 days. 


XXXX XXXX XXXX  XXXX  XXXX XXXX Both accounts were removed and after 90 days placed back on my credit profile. 
Under the FCRA they violated my rights.

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 2023-07-28
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I used my prepaid ( XXXX ) card to pay a third party ( XXXX XXXX ) via money transfer ( MoneyGram ). The transaction took place XX/XX/2022 for the total amount of {$84.00}. Expecting the money to be applied to the XXXX account appropriately, I waited for it to post to the account. 3 weeks to a month later ( on XXXX about XX/XX/2022 ), is when I was informed the XXXX account had been closed. At this point I was in wait for the refund and once XXXX released the funds back to MoneyGram, i should have been able to get my money back from them.

Moneygram was not being forthcoming with info on how to retrieve the money, so I them filed a dispute with XXXX. At this point I have tried to reopen the dispute thru XXXX. I repeatedly bounced back and forth between XXXX and Moneygram. I simply want back my funds. And truth be told, Moneygram should be the entity to process the refund, but several reps stated that because I filed a dispute, with the bank to my prepaid card, I would have to address them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
They said that someone was trying to open a Chase Bank account using my personal information and they were calling to verify and I told them that I have no dealings with Chase, they recommended you to me for fraud. I haven't had any letters come through the mail about this situation, glad Chase called..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
USAA cancelled my card -XXXX  because they said it was "compromised".I was told a new one was sent. After a month I have not received.I tried to resolve by phone, but would only verify my identity by mobile phone or email to which I do not have access, so agent XXXX  and supervisor XXXX would not continue to resolve this problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have contacted Equifax 4 times a month since XX/XX/XXXX, they keep reporting an address I have never lived at on my credit file. I am always told by them it will be deleted with in 24-48 business hours, I will always receive a dispute confirmation that it was deleted, but then it would be re added to my credit profile the following day. I was told that they would block the address and never did. My last call I spoke with XXXX who had no intention to help me, she put me on long holds to laugh and giggle with her other employees you could hear it every time she un-mute her phone. They do not take their job seriously and I constantly lied to. The address has reappeared XX/XX/2017,  XXXX advised to me it would be removed. I have faxed them XXXX, social security card, and utility bill. I have even went out my way to email the CEO, everyone think this is joke. I 've reached out to all my creditors even the ones that are listed poorly on my account and no one has that address for me, I want this address deleted. This is not my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Prosper Marketplace, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The bank sent me a statement prior to the credit card. I was charged a {$39.00} fee on XX/XX/2022 before I activated the card. I did not have the opportunity to enroll in automatic payments to have the fee waived and did not activate the card until 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 explanation
Consumer complaint received 2019-04-06
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX  has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This the XXXX since XXXX I have made request with Wells Fargo Bank for XXXX XXXX. I have never request for XXXX XXXX neither I have been provided XXXX XXXX. Refusing to provide XXXX report is XXXX violation. 
CFPB has refusal and CFPB should now choose deal with XXXX violation. 
Wells Fargo Bank stated they provided records yes many times and many times records that was provide not related my concern but totally different. Many times, Wells Fargo Bank response was not even related to my complaints. For example, XXXX facing eats the other facing how response received. 
Many response that was received not correct and they were false and inaccurate. My follow accuracy and response not related to my complaint Wells Fargo Bank never has been corrected, ONCE AGAIN FROM XXXX TO XX/XX/XXXX I NEVER MADE SINGLE REQUEST FOR XXXXXXXX XXXX, I NEVER RECEIVED XXXXXXXX XXXX AND REFUSING TO PROVIDE XXXX XXXX IS XXXX VIOLATION AND CFPB HAS TO TAKE ACTION ON. 
Recent XXXX XXXX XXXX fines are not good, and more fines and restitution should be charged to Wells Fargo Bank in violation of now XXXX and committing perjury. 
Wells Fargo never provided XXXXXXXX XXXX because I have never asked for it since XXXXXXXX XXXX XXXXXX/XX/XXXX. 

XXXX TIME I REQUEST FOR XXXX XXXX IS XX/XX/XXXX AND WELLS FARGO BANK NEVER PROVIDED XXXXXXXX XXXX BECAUSE I HAVE XXXX MADE ANY REQUEST.

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 2020-09-21
Company: EQUIFAX, INC.
State: IL
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:
I have signed up in XXXX XXXX since long time to check my credit score regularly which gives me report from XXXX  and Equifax. I am making all payments on time and my score is consistent. Suddenly, on XXXX XX/XX/2020, I saw there is drop of 6 points in both XXXX and Equifax, and further checked there is a note that Remarks had been added to one of your account if you find something wrong you may contact credit reporting bureau. Then I called Equifax but they are very unprofessional and keep me waiting for 15-20 Minutes and hung the call. And as far as XXXX concern they are worst than Equifax and they did not connected my call and when connected it hung up afterwards. So, I want to get it updated and if something wrongly done then it needs to be fixed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-09-21
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have requested a COVID forbearance three times within the past month and I never heard back from them. They also do not take phone calls regarding a forbearance request. I have the confirmation emails for all. They say they will be in contact in 3-5 business days, and that has not happened.

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 2022-12-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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 this creditor " Toyota Motor Credit '' has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is the second communication via certified mail receipt # XXXX on XX/XX/2022. I gave no written consent or signature on any contract. XXXX requested to delete from my consumer report. I see no affidavit of truth in rebuttal to my requested validation of debt and a contract with my wet ink signature stating the facts from a witness having first hand knowledge and competent to state the facts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Main Street Personal Finance
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I borrowed {$500.00} and a month later I lost my job. I have been unemployed and explained to the company that as soon as I can get a job or find a way to borrow money I will pay them. I have been served papers to go to court despite the fact that I have no job. I can borrow {$10.00} a month from someone and pay but I was told I have to pay the full amount to avoid court. I have no way to do this. Im confused at why if Im willing to work something out why Im still being taken to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My EDD BofA card was one of the ones that happened to be frozen. I noticed on the XXXX of XXXX my account stated I was in the negatives. My account is STILL negative and is continue to take away my benefits when I certify due to the account so called being negative.

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 2020-09-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a {$700.00} cash deposit at the JP Morgan Chase Bank, XXXX XXXX, Branch # XXXX. My deposit was processed by XXXX XXXX, an employee working the drive thru on XXXX at approximately XXXX XXXX. Upon submitting the cash deposit via the drive thru, I received my deposit back, and was asked for my ID. I was advised, rather rudely by an employee who was not XXXX, that their location had been asking for IDs for cash deposits for 2+ years in an effort to thwart money laundering. I provided my ID and requested the other employees name. XXXX provided however, given the weather conditions and the amount of traffic in the drive thru, I elected to leave, rather than confirm the name of the other employee in the drive thru. 

I am not aware of any regulatory rule, or guideline, requiring customers to provide ID for a {$700.00} cash deposit. I am aware that FDIC, OFAC, and other regulatory agencies which provide the framework under which banks operate allow the bank ample and vast discretion to adopt policies and procedures tailored to each individual market. The manner, and demeanor by which Branch XXXX chose to communicate and enforce their own internal policies does not represent existing federal & state anti money laundering guidelines, or processes. Chase has operated under the false guise of money laundering concerns by requiring customers to provide ID to deposit cash for the sum of less than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
I did not initiate these inquiries, and I believe they are 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 non-monetary relief
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: IL
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 account is not my account I have asked for it to be removed several documents stating that its not my account every other credit you have taken it off except for Experian I ask for proof is mine no no update information sent but its keep getting verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: MD
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 XXXX  XXXX Balance : $ XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2022 XXXX 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 explanation