BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
Delete all the fraudulent inquiries. as listed below. 
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 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 non-monetary relief
Consumer complaint received 2023-11-29
Company: Wolf River Development Company
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Two years ago, I needed a quick payday long to pay off a bill and I was approved for a loan. At the time receiving the loan, I didnt realize how high the interest rate was and how much more money I ended up paying. the alone I was approved for was {$300.00} yet I ended up paying over XXXX XXXX back to this company. Definitely do not recommend anyone getting a payday loan through this company. I did see that they do have a lawsuit filed against them and when you look them up to go on their website, it is blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: American First Finance, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XXXX XXXX XXXX  I recieved an alert from credit montitering that a new was opened. XXXX XXXX XXXX. Called company and stated that it was opened fraudently, got a form to fill out did so, also filed a Identity theft report with FTC. Disputed account with XXXX. Still company states its my account. They wont tell me my account number, the city the fraud was commited, the product recieved from the fraud nothing. It sounds likethis company is a fraudenlent company. Unfortunetly I have filled out the fraud pappers with my info in the report. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.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 reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: VA
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
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:
This is my 14th 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 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 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 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 non-monetary relief
Consumer complaint received 2021-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am following my old complaint # XXXX which is closed now. So I created a new one. 

I want to close an account ( # XXXX ) that was fraudulently opened without my permission in the USAA bank in XXXX. I know that USAA Bank has already declined my request because of a lack of evidence of bank error. 

Also, I want the USSA bank to provide me with what kind of evidence the bank has that I personally opened this account. 

Also, I want the USAA bank to provide me with information about what type of document the bank accepted as proof of address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) for opening an account # XXXX thief provided. If it's possible I'd like to receive this document I am asking the USAA to provide me with this information because from XX/XX/XXXX to XX/XX/XXXX I wasn't in the USA at all. That means that in XXXX when account # XXXX was opened I could not be legally in the US at this period of time and I could not provide any legal US documents to open this account. That's why I'm sure that the document " Proof of address '' that the thief provided ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to open this account was fake. 

So I am asking to answer these questions : - How did the thief open this account with fake documents? 
- How did the USSA bank accept this fake document in XXXX ( when I wasn't in the US and didn't have any legal status to live here since XXXX ) - Why the USAA bank doesn't want to close this fraudulent account without any evidence that I've personally opened it - Why the USAA bank doesn't request evidence from me that I am not liable for this account? I can provide scans of all the pages of my old and new international passports with a XXXX XXXX I had in XXXX ( when I received my SSN ) that expired in XX/XX/XXXX, and other traveling history in XXXX till XXXX when I again came back to the US with a new legal status to live in the XXXX for UXXXX  XXXX XXXX XXXX. Just let me know where I can send it. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: AES/PHEAA
State: VA
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Keith D. Weiner & Associates Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Starting from the top. I registered for classes at XXXX XXXX XXXX University for the fall of XX/XX/XXXX, tuition and fees came to approx. {$2700.00}. I paid the school and for some administrative/clerical reason I was given a refund check and now owed a balance. I never signed up for a loan. Fast Forward my debt ballooned to approx. {$4000.00} by XX/XX/XXXX. I am giving approx. amounts because the Ohio States Attorney General has placed a hold on my records, and I have not been able to access my original statements from XXXX ( currently waiting to see if my request filed XX/XX/XXXX will be accepted ). Fast forward again to XX/XX/XXXX. After multiple moves including one out of state, I contact Wiener Law and Associates after receiving a notice ( can not remember date ) that my debt was given to them, and now has a balance of over {$7100.00}. I reached out to them to see if we could come to a reasonable settlement amount, and I made the mistake of telling them I needed my records released to continue my education. I was instructed by representative XXXX XXXX ( she has been my contact person throughout this process ) to send an email with an offer to begin negotiations. I sent an email on XX/XX/XXXX offering a {$1000.00} lump sum to settle the matter thinking that starting low would give me some room to work with. After not hearing back I reached out multiple times waiting on a response to continue negotiations, I finally got a response and I was told by XXXX XXXX that the lowest number they could accept was {$5800.00} and she continued to tell me that XXXX told them this is the only amount they would accept and that I had until XX/XX/XXXX to accept or the offer expires. I then made multiple calls to XXXX and the Ohio State attorney general 's office. I was making these calls to circumvent having to deal with this collection agency that has gotten terrible reviews online and is not negotiating in good faith. But I got the run around and basically was told that I had to deal with them. On XX/XX/XXXX after multiple calls to the Ohio State AG office demanding records of my account, I was finally told by staff that no one from Wiener Law contacted them about my account, nor was a {$5800.00} minimum amount given. I called Wiener Law on XX/XX/XXXX in another attempt to continue reasonable negotiations but was told by XXXX XXXX that she will not continue talking with me because I mentioned a lawyer and she hung up so here I am today, contacting you to see if you can assist me. I still have not received my original statements from XXXX nor any information on who was heading my account leading up to it going to the OH AG.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: JPMORGAN CHASE & CO.
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:
ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting 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 disputing a few accounts that's on my credit profile that belongs to my father. The accounts Im about to list do not belong to me and i need them to be removed. I become aware of these accounts after starting the process for a home. 

XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXXXXXX {$460.00} XXXX XXXX XXXX XXXX XXXX {$260.00} These accounts belong to my father not me.

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 2020-02-12
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My Name is XXXX XXXX I receive government XXXX  XXXX  In XXXX, AL on a GO Program pre-paid card. On Saturday, XXXX, XXXX, 2020 there were five unauthorized purchases that were made on my account in XXXX, Georgia. I have my physical card and have never lost procession of it, so someone has skimmed my card to get the numbers. The purchases were at XXXX # XXXX for {$82.00}, XXXX  XXXX # XXXX for {$39.00}, and XXXX XXXX XXXX XXXX, GA for {$20.00}. Two were made to a " XXXX XXXX for {$4.00} and XXXX XXXX for {$7.00}, they were credited back to my account. I was successfully able to speak with someone on XX/XX/2020 when the initial charges were pending. I was told that they could not do anything until the charges posted. I then canceled and re-ordered a new card which I receive on XX/XX/2020. I have been trying to get someone on the phone so I could dispute the charges. The automated operator would not allow me to talk to a real person until I got the new card on today XX/XX/2020. I am now able to speak with a person but they have to transfer me to the fraud department which keeps me on hold for the longest 2hrs or 30min and then after that time the call disconnects. I am very angry with this process it should not be this hard just to talk to someone to dispute these charges this is very unprofessional. I am currently on hold as I am filing this complaint and it has now been 45 mins and counting. I have no money at this time for my child of which was waiting for this deposit to buy groceries and diapers. I really hope that you can help me recover the money that was lost. My Number is XXXX my e-mail address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRUIST FINANCIAL CORPORATION
State: NY
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:
I started seeing inquiries on my credit report that I dont recall making

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 2019-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writting to report multiple violations to my rights as a consumer. I tried to solve this matter with Bank of America the past, but they have failed to give me a fair solution to my issue. I have a Bank of Americar account, America XXXX. Opened : XX/XX/XXXX. Limit : {$3600.00}. Balance {$0.00}. Status : Closed. Bank of America has been reporting incorrect information to the credit bureaus. 

This company has failed have failed to provide me with an answer to my letter sent back on XXXX XX/XX/XXXX. They did not listen to my demand and the did not even acknowledge my time spent in sending this correspondance to them. As of today, the account is not under investigation since they did not remarked it as disputed. This is a violation to the FCRA.

They are being Unfair and Negligent. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. This account is related to fraud and they are still reporting it. 

This is affecting me physically and mentally and I want a fair solution to this issue. I am demanding a deletion letter from Bank of America and I want them to stop collection activity on this account. If they dont provide me with the deletion letter that I am demanding, I will not hessitate taking this to a court so a judge decides. I am sure that when I sat down with my attorneys the list of violations will go up.

Thanks to whomever reads my complaint. See attached documents sent to Bank of America, which they ignored.

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 2018-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, my wife and I opened a savings account at Chase Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, California XXXX. We have had a checking account at this bank since XXXX when Chase acquired XXXX XXXX XXXX, the original bank that opened the account ; our account at Washington Mutual was opened at least 10 years prior to the acquisition. On XX/XX/XXXX we went out of town for 2 weeks. Upon return on XX/XX/XXXX, I had trouble accessing my bank accounts on line and went to the bank branch above for help. I was told that both the checking and savings accounts were closed and could not be reopened due to some difference between the account name and our revocable living trust documents that were submitted when we opened the savings account. The checking account has always been in the name of our trust. The bank said that they sent us a letter on XX/XX/XXXX regarding the account closing that said we needed to contact them before XX/XX/XXXX to keep our accounts open. However, since we were out of town this entire time, we had no knowledge of the closings and no notice until our return. No phone calls or other attempts to notify us in a timely manner were made by the bank during this time. When we returned home and received this letter on XX/XX/XXXX, it mentioned only the savings account and did not mention the checking account at all. The checking account was frozen sometime between XX/XX/XXXX and XX/XX/XXXX for debits, including ACH debits on XX/XX/XXXX to the IRS and California Franchise Tax Board which made our tax payments late and will probably incur penalties and interest. However, my social security deposit was accepted and was posted on XX/XX/XXXX. The bank branch said that a check for the account balances in the amount of {$76000.00} would be mailed XXXX XXXX XXXX on XX/XX/XXXX. However, the check, although dated XX/XX/XXXX, was not received until XX/XX/XXXX. Where was it for a week? This meant that we had no access to our cash for a week. We believe that Chase bank 's actions are at best unethical and at worst illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I received notice from my prior mortgage servicer that my loan was being transferred to Shellpoint Mortgage Servicing ( " Shellpoint '' ) effective XX/XX/2019 and payments should be accepted by Shellpoint on or after XX/XX/2019 ( the " Notice '' ). The Notice from my prior servicer did not contain a new loan number, but rather referenced Shellpoint 's customer servicer phone number and address. Since such time of receipt the Notice, I have attempted to email and call Shellpoint approximately 20 times to locate an account number to process my mortgage payments. Many times I wait on hold for longer than 10 minutes, and have no success in obtaining an account number, being identified as a customer or successfully being escalated to a specialist for further research. Most recently on XX/XX/2019 I waited on hold for 42 minutes to only have the phone disconnect ( without any fault of mine ). I have also attempted to establish an online account with Shellpoint ; however without a loan number an account to process a mortgage payment can not be established. Additionally, I have connected with my prior servicer and lender over the phone and both confirm my loan has been transferred to Shellpoint. Moreover, my home owner 's insurance policy has been updated to name Shellpoint as the lienholder, which was communicated to me via US mail and contained an incorrect reference loan number on the communication. Lastly, on XX/XX/2019 Shellpoint requested I coldcall many other mortgage servicers to see if they had my loan and I was provided by a Shellpoint representative with 3 other phone numbers. Upon my calling of other mortgage servicers I was unable to locate a loan number.

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