BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-09
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: Account status incorrect

Complaint:
I applied through XXXX XXXX of XX/XX/XXXXfor a personal loan. I understand XXXX XXXX shops for the best loan offer with outside Lenders. I received an email from XXXX and XXXX XXXX, letting me know I had been preapproved through XXXX XXXX and that XXXX  and XXXX XXXX was ready to make an offer to me. I decided I did not want to go through with either loan, so I did not reply to any emails from XXXX or XXXX XXXX, which meant, I was not interested in moving forward with the approval. I noticed XXXX  sent 7 emails to me, dated from XX/XX/XXXX to XX/XX/XXXX. It was on XX/XX/XXXX I noticed the email said I had been denied the loan. I then checked my credit report and noticed the hard pull from XXXX. I contacted XXXX   and demanded the hard pull be removed from my credit file because I did not respond to their pre approval offer, offered to me on XX/XX/XXXX. The representative apologized and began to ask me for my personal information in order to create a fraud ticket in his system. He then said it would take 30 days to resolve the issue. I told him I did not have 30 days to wait. He continued to ask for personal information but I chose not to give my information and informed him I would submit the complaint a different way.

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 2023-03-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items listed on my credit report. Upon reviewing my credit report, I noticed two negative items that require immediate attention. 

Firstly, I found an inquiry by XXXX XXXX , XXXX on XX/XX/XXXX, which was not authorized by me. I have no recollection of authorizing this credit pull, and therefore, I demand that it be removed from my credit report immediately. 

Secondly, I noticed an account listed under the name of XXXXXXXX XXXX XXXX XXXX XXXX XXXX with an account number of XXXX. I do not recognize this account and kindly request that you investigate whether it belongs to me. If it does not belong to me, please delete it from my credit report. 

I understand the importance of maintaining a good credit score and I am taking the necessary steps to resolve these issues as soon as possible. I would appreciate your prompt attention to these matters and the removal of these negative items from my credit report. 

Thank you for your cooperation in this matter. 

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 explanation
Consumer complaint received 2020-09-18
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, I made a XXXX reservation, it cost {$620.00} I cancelled an hour after, but XXXX did not give me my full refund so I disputed with Amex, Amex sent me two letter saying they issued me a credit then XX/XX/XXXX, they said they would rebill me the {$620.00} I need my money back because this is unprofessional, since XX/XX/XXXX I have been stressed out about this dispute, I cant let go of my hard earned money, its so unfair, apparently they said XXXX wont give me back half of my money because I canceled within 24hours, that is very absurd, I have been waiting since XX/XX/XXXX, now they want me to wait till XX/XX/XXXX, for what, I cant believe they would side a merchant against their customer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Could not utilize The Public Service Loan Forgiveness ( PSLF ) Program because I made to many loan payments and would need to restart my loan payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting 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:
A dispute was made for verification of obligation, when all obligations are the responsibility of the United States Treasury and anything over {$1.00} shall be credited. 18 USC 8 and 15 USC 1681 2 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

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 2022-10-25
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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account number ending in XXXX, XXXX XXXX Bank : Account number XXXX XXXX XXXX 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. 

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 2022-11-24
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: WSFS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My HELOC loan with Wilmington Savings Fund Society was paid off on XX/XX/2019 by wire transfer to them in the amount of {$190000.00}. The loan reflects " paid '' on my credit report.

WSFS ( Lender ) has refused to return to me the overpayment of loan payoff in the amount of {$480.00}. Additionally, lender has not sent to me the satisfaction of mortgage which I need in order to clear the mortgage from the public records. 

Multiple attempts to speak with the lender about this have resulted in malaise and unconcern. Each time I called, including earlier today, I have been told " that department is behind. They'll get this taken care of by the end of next week. ''

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please verify if this is XXXX percent accurate coz I'm seeing inconsistent information across other bureaus such as date last activity XXXX XXXX XXXX Account Number : XXXX Please conduct a reasonable inve $ XXXX, and DELETE if inaccurate, incomplete or unverified.

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 2019-10-15
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I FILLED OUT COMPLAINT WITH FTC,,, I ASKED FOR THIS TO BE REMOVED, STILL NOTHING,,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Bread Financial Holdings, Inc.
State: PA
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:
I initially signed up for the XXXX XXXX XXXX XXXX  rewards credit card for the advertised credit increase program they had. Your supposed to receive a increase to your credit line after your first 3 on time payments, however during this period comenity bank took over the XXXX  card services. I called them see if they would still honor the promotion and they stated they do not offer any of those types of promotions. The credit increase promotion was the only reason i got the card and i planned using it to build my credit. I feel this is misleading and false advertisement. In addition XXXX XXXX  has banned me from their network so i can no longer access the payment portal to make payments on this account. I would like for comenity to honor the promotion i was advertised or void the balance of this card because i can no longer access this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: EQUIFAX, 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 checked my credit report and noticed several fraudulent accounts. Please help me remove these accounts as soon as you can. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: QuickClick Loans of Illinois, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I called XX/XX/2018 at XXXX to talk with a manger to see if I could settle this dept with the company the young lady could not find a manger at the time for me to speak with I was put on hold for 30mins to her coming back on the phone saying the company only has three options for me Is a XXXX dollar offer or 20 payment at XXXX dollers that will add up to XXXX over the amount I own or pay nonthing and theyll going to sue me for the whole loan amount I told the lady I didnt not have that type of money I have XXXX dollers to my name I XXXX and not working and they can have the XXXX I dont even have a place to sleep she said thats all theyre offering I said can I please spread to the manger thats told you that why cant he get on the phone she said he in a meeting I repeat it I did not have XXXX or XXXX for 20 payments Im XXXX and not working she said well well going to sue you and hung up on me than I got a email saying theyll going to pursue any legal action against me the dept is 4years and 2 mos old I was calling for help and I didnt get it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, In XXXX/XX/XX/2017 I opened a checking account with Wells Fargo under a promotion to receive {$200.00} with certain quailfying activities. I met those activities within the required time and soon thereafter, while waiting for my bonus to be issued, my account was closed by the bank. 

I called and was told it was closed because the account was " not sufficiently being used ''. After opening a claim with their customer service they said I did meet the qualifying activities and would need to go into a branch to receive my bonus. When I went to the branch the banker had no knowledge of the bonus and said I would not receive it. I since opened a second claim that, upon following up today, they now have no record of it. 

I have to date opened two claims with their resolution department, upon which after follow up, their reps are unable to find any record of.

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 2018-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with XXXX who unfortunately sold it to Capital One. Capital One and I ended up going to court, as they refused to take my payments, stating I owed escrow which was not true. Once that was settled, I tried yet again to make my payment. Yet again, they stated my payment was much more than agreed upon ... they included the escrow. I tried for several months to make my payment. Capital One refused, and kept significantly increasing the amount I owed and the total loan balance skyrocketed!!! I originally owed ( allegedly ) {$70000.00}. They then increased it to {$77000.00}. Now they show {$90000.00} - all in less than a year. After refusing to take my payments again, they sent my loan to XXXX XXXX XXXX XXXX. I went on line to establish an account with them, and hopefully talk to someone. When I tried to pay the {$7400.00} they claim I owe, I was refused to be able to pay it. THIS IS INSANE, CRUEL AND I PRAY ILLEGAL! I called them and was told Capital One 's attorneys are handling this now. XXXX XXXX XXXX # XXXX. I obtained an attorney - XXXX XXXX # XXXX. PLEASE help me get my mortgage down to what I truly owe and let me pay it!! THANK YOU SO MUCH!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/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 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 2019-10-15
Company: TD BANK US HOLDING COMPANY
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:
All three credit reporting companies are reporting my last car payment to TD Auto reflects XX/XX/2019. I have payments in XXXX, XXXX, XXXX, and XXXX, 2019, all of which are above the minimum amount due. These payments would of course reflect positively on my credit scorXXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a credit monitoring alert regarding a collection for Midwest Recovery Systems in regards to a payday loan in the amount of XXXX from XXXX XXXX XXXX.   I was never notified via phone, email, or mail of this debt to dispute this. This debt also is over 10 years old and the company XXXX XXXX XXXX notified me via mail this debt was forgiven over 10 years ago due to how it was obtained without my knowledge. Midwest Recovery somehow got a hold of this non-debt and is attempting to collect illegally let alone report it to the credit agencies without notifying me first. Per my XXXX report it was opened on XX/XX/18 and reported on XX/XX/18 and i got a notice from my credit monitoring on XX/XX/18. I have filed a XXXX complaint and will be contacting my lawyer once I receive notice from this company of validation of such debt and when I was notified as I was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I along with others Suffered drastically during the pandemic of XXXX not only did I get sent from here to there to talk to this person, and that person being told to wait on the phone for hours and hours just to be hung up on from Bank of America prepaid claims , and have my account frozen for no reason along with funds, but they were also stolen from me due to fraud. I expressed my my frustration in a calm, reasonable way hoping I get to a silver lining, but that never happened. I wish I knew about the ongoing lawsuits against them because I would have joined in on them. This is three years ago. I had made these claims out of three claims that were put together by Bank of America claims representative apparently only two out of three were approved, but not the third. Why I dont know why. So I requested that the third one which would be in the amount of {$10000.00} be reconsidered, because it didnt seem right that that one would be declined or denied, and the others approved when they all had the same tracing fraud in the same fashion. I was never given any provisional credit any help whatsoever. I call every day for the past three years to be put on hold, and theres been no work or any type of settlements on my claim. Bank of America claim that the reason why they didnt work on her for the first year and a half or two years was because it was frozen, which is not true because there was deposits made into the account from the other two claims so that is a lie. Let me remind you again. This is three years later after the pandemic and my funda have still not been paid. Ive literally been suffering drowning in even more debt that that money could have or should have helped me with but not only was it stolen in the beginning its being held now by BofA still with no regard or decisions being made. Im struggling so much guys. I feel like Im being taken advantage of. The only account activity that has been made and barley made is for 6 dollars interest funds for funds that have not been paid. And that was paid XX/XX/2023. Ive had enough I dont know who else to go to or speak to because all BofA prepaid says to me is sorry they have no communication to the back office that handles the claims but they do acknowledge the fact thats its taking a long time and they will submit complaints but nothing still gets done. Please I know there is something that can be done. I mean Im freaking homeless pretty much if Im not lucky enough to keep my head afloat from debt and court and lawyer fines I have a little girl here who has to Stay with my parents because I dont have a place for her. I work everyday and the spend 2 hours on top of that with bofa hoping to get to a solution but it doesnt happen.

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