BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-26
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:
There was a collection on my account from XXXX XXXX XXXX for an account with XXXX XXXX XXXX XXXXXXXX XXXX. This collection did not show up on my account until I submitted a request for a home loan through XXXX XXXX. This collections account was recently taken off my profile for it not being me. I spoke with the apartment complex and the collections agency who both confirmed that the SSN, DL ID or complete name ( including middle name ), did not match me. I received a release letter from the collections agency that I sent to both Experian and XXXX who showed this collections against my credit profile. 

However, because I was in the process of buying house, this has caused my credit to go from XXXX to in the 640s. After the credit was fixed, the loan rates had gone up and now I will be paying a higher interest rate. This collections account should have never been on my account and neither XXXX nor Experian can tell me why this was on my credit profile. This is gross negligence and I plan on pursuing legal action.

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 2019-04-15
Company: Experian Information Solutions Inc.
State: NC
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:
I sent an investigation request to XXXX, Experian, and XXXX XXXX on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but they have not.

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 2018-01-17
Company: JNR Adjustment Company, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent them ( JNR XXXX ) a letter telling them to stop contacting me. They ignored my request and continue their collection attempts. 

Also, there is no debt. All my bills are paid in full, including the one they claim is unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
First XXXX and my last name not right on my credit report hard inquiries not matching

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this has been on my report since 2011 .they keep updateing the start date .it, s been almost 9 yrs for a bill i never owed .i had a 2 yr contract with XXXX two years was up when i left XXXX XXXX and went with the company i work for ( XXXX ) which also uses XXXX and i am still with them.if you look at my payment history you will see i pay my bills .this XXXX for XXXX i never owed and will never pay. i don, t  understand how they can keep changing the start date from 2011.this should not be on my report after 9 years.

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 2019-07-26
Company: U.S. BANCORP
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I am working with US Bank and XXXX XXXX XXXX on a {$32000.00} wire transfer. I called US Bank to input the wire transfer numbers into the XXXX  form. The US Bank representative gave me all the routing and transfer numbers. I read each area of form to US Bank representative and they gave me the information to input. IA few days later XXXX actually did the wire transfer. 
Days later I had not received the money. I called US Bank and talked with XXXX and she said there was no {$32000.00} wire transfer on that day ( XX/XX/2019 ) I then called XXXX and they said yes and they have confirmation that US Bank received it on that day, and sent me the documentation. I called US Bank back and talked with the manager XXXX in Wire Transfer in XXXX XXXX, MO. She said she found the wire but I could not get the funds. I said I have multiple bank and loan accounts and I can go in with my drivers license and get it. She said there is an error and only XXXX  can fix it. I called XXXX and they gave me information to talk with US Bank and US Bank said even though my name is on the funds it is not in their policy to resolve this with Affinity. 
I said, isn't the wire suppose to reject if the name and account number don't match? She said she could do nothing. I emailed XXXX and back and forth I went. They both blamed each other and said there was nothing they could do. Now it is XX/XX/2019 and I called a US Bank Branch Manager and asked for help. He called back and said it is on XXXX. I said I talked with US Bank and Affinity and they both say it is each others issue and US Bank would not help at all despite the {$32000.00} being in their hands. 
Many hours and phone calls and days have gone into trying to get this money. At the same time, now I am paying interest on 2 loans! The US Bank Assistant Manager just called me and said he talked with US Bank wire department and with XXXX and he thinks he has it worked out. It is Friday XXXX. If the bank closes I have gone another week without money that legally is supposed to be in my account within a couple days or rejected and sent back to the sending bank. Not only does this break many wire transfer regulations, it is totally irresponsible for the bank to not take steps to get an error fixed when they know there is an error to get it fixed. US Bank Wire Department is just letting the money sit in a US bank account and doing nothing to fix an error that was reported to them.

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 2019-07-26
Company: JPMORGAN CHASE & CO.
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:
I opened a Private Client account at Chase Bank on XX/XX/2019. 
Over the weekend, I applied online for the Chase Freedom unlimited Credit card. I was contacted by phone by Chase Bank at my home number and assumed that this was the call to verify my application. I received an e-mail on XX/XX/2019 approving my application. My credit cards arrived on Saturday, XX/XX/XXXX. I charged 2 transactions totaling XXXX over the weekend. When I tried to charge lunch on Monday, XXXX, the charge was denied. Upon calling the XXXX #, I was told that the card was closed by the bank and i would receive a letter of explanation. 
That letter arrived on Saturday XX/XX/XXXX. As instructed, I went to the bank branch to reapply. After 30 minutes with the bank officer, the reapplication was denied, stating that a 30 day wait was required. After numerous calls to the local branch and credit card center, I was told that I could not reapply for this card for 48 months. 

They mishandled the approval from me on the FTC recommended fraud alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is using stall tactics and stating that a Third-Party is disputing when I am disputing this myself ... You all need to stop allowing these credit bureaus to do anything they want to with regards to peoples credit. I am uploading another letter and I want these my original disputes completed within 15 days and results mailed to me. 

Thank You, 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 2019-07-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Less than 3 weeks ago I first applied for a personal loan with ONEMAIN FINANCIAL and was denied. Approximately 1 1/2 weeks after that denial I received an email from ONEMAIN FINANCIAL soliciting me to request again for a personal loan. I did apply again and received a call from " XXXX '' from ONEMAIN FINANCIAL on or about XX/XX/XXXX and he informed me after asking numerous questions that I was " APPROVED ''. XXXX asked me to submit ( 1 ) Pay Stub ( 2 ) Phot ID ( 3 ) Authorization to release information form. XXXX told me I was approved for {$7200.00} but I told him I only needed {$7000.00}. XXXX told me how much my monthly payment was going to be, interest rate, & the term of the loan ( 60 months XXXX. On or about XX/XX/XXXX I was notified by ONEMAIN ( name of rep unknown - did not write it down ) my loan was denied but the following day XXXX called me and said it wasn't denied but rather it was approved by underwriting but the fraud department of ONEMAIN needed more information. XXXX asked me to provide a copy of a voided check and my W2 from XX/XX/XXXX. I told XXXX that I felt uncomfortable providing so much private information. XXXX told me " your loan is approved don't worry it's that the fraud department needs my information because of my fraud alert on my credit ''. I submitted the documentation XXXX requested and the following day I was conducted by XXXX stating that the fraud department has verified and confirmed all the documentation I provided but needed more. XXXX asked me that I need to provided a copy of my social security card, utility bill, & a copy of my most recent bank statement. I displayed my concern to XXXX regarding feeling uncomfortable providing such private information ( 9 DOCUMENTS IN TOTAL ). XXXX told me " your loan is approved & the fraud department needs this information because of the fraud alert in your credit ''. I emphasized to XXXX that I will only provide additional documentation if he is certain my loan is approved. Without hesitation XXXX stated " It is the only thing holding the funding into your bank account if for the fraud department to have the documentation because it is in the best interest of ONEMAIN to have it because of my fraud alert on my credit report ''. Although I was very hesitant and uncomfortable with the additional documentation being requested of me I told XXXX I will provide this additional information only because he has assured me that the loan was approved. Approximately 3 days later I got a phone call from a ONEMAIN representative telling me my loan was denied ( very unprofessional & rude ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: BSI Financial 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 information incorrect

Complaint:
Dear XXXX, Thank you for your attached response letter dated XX/XX/2021 to CFPB Complaint # XXXX. 

What is the basis for your advisement as to the Counsel of the Trust, XXXX XXXX XXXX XXXX being : XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Thank you for the information to the link regarding the role of the Trustee. 

The Role of XXXX XXXX XXXX XXXX XXXX XXXX has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including XXXX, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the XXXXervicer.

The link you provided reads as follows : The Role of the Corporate Trustee As Trustee, XXXX has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including XXXX, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the Servicer. 

What authority if any does XXXX, D/B/A XXXX not in its Individual Capacity But Solely as Trustee for the XXXX XXXX XXXX XXXX have under the Trust Agreement. 

Please advise. 


Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I HAVE BEEN REVIEWING MY CREDIT FILE AND HAD NOTICE SOME ERRORS AND FRAUDULENT ADDRESSES. THE FOLLOWING ADDRESSES ARE NOT MINE. PLEASE REMOVE THE FOLLOWING ADDRESSES THEY ARE INACCURATE : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THESE NUMBER LISTED BELOW DO NOT BELONG TO ME. PLEASE REMOVE FROM MY CREDIT FILE. : { 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
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:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i  ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX, account number XXXX ; 8. ) XXXX XXXX, account number XXXX ; 9. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of  the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
After the horrendous Equifax breach that consumers had to learn from the news months later. Equifax promised free 1 year credit monitoring, credit report and social security number monitoring to those affected through Trusted ID Premier. Once you enroll in Trusted ID it has been over a week of runarounds and hours on the phone with Equifax who just gives you a runaround access to this service is unavailable. It tells you are already activated enter username and password. I never activated, Equifax advises to click forgot password and create a new one. I never created a password or username to begin with! Was able to change password and then get a message ca n't create your account wait 2-3 hrs try back again or call XXXX which is Equifax who ca n't help you just runaround about system crashes, inundated with calls told to call other number for Trusted ID and literally  have been on hold from 4-8 hours with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
those are not my account

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 2019-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a call at my job after I have already set up payment arrangements with them in the past. I have notified them that they are to only contact me at my cell phone. They have still contacted me. They are practicing unlawful methods of obtaining information and the government should be ashamed of themselves for letting companies like this get away with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
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: Public record information inaccurate

Complaint:
I used an attorney to pay off credit card debt after divorce. I paid off XXXX XXXX bill of XXXX dollars in XX/XX/2016 to close account. My ex wife is trying to sell the home she was given in the divorce. Unfortunately XXXX XXXX has placed a lien on the mortgage, despite the account being completely paid off.

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 2021-07-10
Company: Phoenix Financial Services LLC
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I filed a disputes with XXXX, XXXX, & XXXX  in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Experian Information Solutions 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:
I have been a victim of identity theft.

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 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THESE ACCOUNTS ARE SHOWING UP ON MY CREDIT REPORT WHEN I HAVE NEVER DONE BUSINESS WITH THESE COMPANYS

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