BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
There is a XXXX XXXX bankruptcy from 2014 reporting on my credit report. When the bankruptcy was disputed, I received a letter back from the credit bureau stating that the bankruptcy information was verified by XXXX XXXX. I contacted XXXX XXXX and asked them to confirm and validate the record of XXXX XXXX bankruptcy being reported on my credit report. XXXX XXXX responds with a report showing that they do not have a record of any kind of bankruptcy under my name. I was also a part of a class action lawsuit against XXXX XXXX for providing inaccurate information to the credit bureaus and similar entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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 have been trying to dispute these XXXX XXXX XXXX for a couple years due to them engaging in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. I have attached my dispute letter from XX/XX/23 for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
There are HARD inquiries showing on my credit report for accounts I did not inquire about or open. I did report the three inquiries to the FTC and have also attached the three specific inquires showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: Solar Mosaic LLC
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: Account information incorrect

Complaint:
I have called on multiple occasions to verify the account is closed. I have been told it was processed and received an email stating this. The company XXXX XXXX opened a loan in my name that was funded with over XXXX  and I NEVER moved forward with the project. They did NOTHING to my home and I never met with them after the first sales appointment. I contacted XXXX XXXX  MULTIPLE times and was told I had to speak directly with the sales person who placed the order in order to have it closed. I texted, called, left voicemails to no avail. He refused to call me back. I called XXXXXXXX XXXX XXXXXXXX who funded the loan and they said the only way I could cancel the loan is to have XXXX XXXX cancel it. They refused to help as did XXXX XXXX. In the meantime, my credit tanked XXXX points and shows a balance of XXXX  as owed by me. I have spent hours contacting both of these companies and neither will process the cancellation. I believe this is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: NV
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 XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX h

as 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Reliant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Extremely high interest and extra balances being added on all the time, fees were out of control, car was later repossessed and I was fine with that. They continued past the time the car was taken to continuously call. I could not afford the car anymore at that time. Horrible finance company, didn't verify my husband and I income at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: MA
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 complaint concerns inaccurate personal information and fraudulent accounts listed on my credit reports with XXXX, XXXX and Experian. 

All three bureaus have my legal name listed incorrectly. 

All three bureaus have incorrect and/or outdated addresses listed. 

All three bureaus have numerous inquiries that are fraudulent and possible attempts to obtain credit in my name. 

All three bureaus have accounts that have incorrect information listed ( e.g., balanced owed, amount paid, etc ). 

All three bureaus have accounts that do not belong to me. 

I have notified all three bureaus in-writing of the inaccurate information, fraudulent accounts, and that I'm a victim of multiple occurrences of identity theft. 

Unfortunately, the bureaus have classified my disputes as " frivolous. '' I should not have to make multiple requests for inaccurate information to be removed from my credit report, as that is my right per the FCRA. 

Moreover, I should be able to list ALL of the inaccurate information to be removed in XXXX correspondence not having to break them up into multiple letters for fear of the bureaus classifying a long list of inaccuracies as " frivolous. '' To resolve this issue fairly, I am requesting that my correct legal name be listed on my credit report and all incorrect versions be removed. I also request that all fraudulent accounts be removed from my report. 

Thank you!

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 2022-11-30
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: Account information incorrect

Complaint:
As evidenced by the certified mail receipt # XXXX, Experian received notice on XX/XX/XXXX of XXXX XXXX XXXX XXXX XXXXXXXX, Exhibit/credit report to support the violations attributing to the defamation of character claims, and an invoice ; all provided in good faith as a way of resolving this matter without having to proceed with litigation. There has not been any correspondence from the company. Since the year XXXX, Experian has been made aware of inaccuracies on the credit report that have been harmful to the consumer and continues to justify these inaccuracies and other erroneous data based on verification that does not involve the consumer. As provided attached exhibit ; this company is clearly unruly and does not have the best interest of the consumer or the banking system in mind, as there is currently a {$22.00} million class action settlement due to their noncompliance as it pertains to incorrect information on the consumer credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one closed my account. I pay on the account more than what is required. I submitted a payment on Friday and they tried to pull it from my account on Sunday. My bank declined it because I had not put the money in the account. Nobody usually does anything on Sunday so I was completely unaware. The card also had cash back rewards and they just took that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
hello good afternoon i went to a car dealership and they ran my credit and afterwards i had 25 hard inquires on my credit and i tried to get them removed but they are still on my credit these are the the companies capital one capital one auto finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I reached out to XXXX XXXX, Texas PNC branch, and spoke with the Manager on XX/XX/2022, regarding a charge for a Safety Deposit Box. I came into that location, closed the Safety Deposit box, and returned the key in XXXX or XXXX or so before that. The Manager told me that the account was closed, but they needed to take one additional step to finalize the process. This did not happen. She also said she would call me back ; this did not happen. I called on XX/XX/2022, with no successful outcome. I called again today on XX/XX/2022 and no one could help me. The assistant branch XXXX is on vacation. The Branch Manager left early for that day. 

I closed every account at the branch and moved my money out of the bank because no one at the branch could help on any given day. Getting change for {$20.00} through the drive-through took more than 15 minutes. I received a bill during the month of XX/XX/2022 for {$50.00}. I received another bill for {$60.00} on today, XX/XX/2022 for the safety deposit box that I closed several months ago. 

I spoke with someone on XX/XX/2022, named XXXX XXXX in Alabama, and they told me to give you a couple of days to investigate my concern, and they would get back to me. This did not happen. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Ivy Street Development Corp.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called today to get my original bill and itemized invoices. They denied my request and wet every rude. She told me XXXX the manager said I was just trying to get out of paying my bills and I needed to grow up. Told me I was just using some gerrerbish and said I was being sleezey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I received a letter from Wells Fargo claiming an auto loan application was opened under my name. They also requested my credit score from XXXX without my consent. I never opened an auto loan application with Wells Fargo. 

When I called Wells Fargo to investigate what was going on, they wanted all manner of personally identifiable information before they would proceed to answer my questions. I refused to give them my Social Security number, and they said they could not help me. The call ended there.

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 2021-08-03
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that IC SYSTEMS would verify the debt. So I took it upon myself to ask IC SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2022-06-28
Company: Catch Financial Inc
State: HI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
We used a financial service called " Catch Benefits '', Catch Financial , Inc., found at catch.co which withholds specific amounts from the paychecks of freelancers in order to help save for retirement, healthcare, travel, etc... 

On XX/XX/2022, we initiated a request with Catch to close our account and specifically send us a check for the total amount in our retirement savings so that we could move it into a different retirement account. The amount we have is {$16000.00}. As of today, XX/XX/2022, we are still waiting for that check with our money. I have attached chat transcripts. At every turn, they have avoided having to give us our money back. Their app store is full of reviews along the lines of " holding our money hostage '' - others with the same complaint. 

According to their own website, our account should be closed and we should have immediately received a check for any remaining money in our account. 

Additionally, they are in violation of their terms of service ( https : //catch.co/legal/terms ) which states : " b. Your Funds and the Catch Account. Your funds will remain in your Catch Account until you instruct us to transfer any or all of your funds from your Catch Account by indicating a withdrawal within the Website or the Application. We will generally transfer the requested funds from your Catch Account to your Bank Account within three ( 3 ) Business Days of when we receive your request. We may transfer funds from your Catch Account to your Bank Account without notice to you upon the closure of your Catch Account as Described below and at any time if required by applicable law or if we, in our sole discretion, suspect the Services are being used for illicit purposes or otherwise in violation of these Terms. '' AND " f. Catch Account Closure. Upon the closure of your Catch Account for any reason, we will transfer the funds in your Catch Account, if any, to your Bank Account. If your Bank Account is closed or we are otherwise unable to transfer the funds in your Catch Account to your Bank Account, we will send you a check for the amount of the funds to you at your street address in our records. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: U.S. BANCORP
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US Bank XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Promotional Offer Demand Letter To Whom it May Concern : On XX/XX/XXXX, I applied for a XXXX XXXX XXXX online in response to a promotional offer to earn a big {$500.00} bonus. 

I met all offer terms but have not received the bonus. 

Now, I respectfully demand that US Bank pay the advertised {$500.00} bonus. 

Otherwise, this matter will proceed to trial with all costs and fees taxed to the Bank. 



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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a general complaint at this point. Comenity systems have been down for a week for a " scheduled maintenance '' that is " taking longer than usual '' according to all of their social media channels. Customers can no longer use any Comenity cards for purchases, access online services, contact customer service via telephone, contact customer service via social media, or make payments. Even scheduled auto-payments are not processing and individuals are being assessed interest and late fees and some are receiving derogatories on their credit reports. I possess more than XXXX Comenity card. I have an auto-payment that will trigger for my XXXX XXXX XXXX XX/XX/22 that will not process according to comments from other customers on XXXX and XXXX and I will be assessed both interest and late fees because of Comenity 's negligence. I also have a credit card reward that has now mysteriously disappeared during the " update. '' This needs to be investigated. A system update never takes this long and all of their various customer service phone lines are closed, eliminating person-to-person assistance. Have they been breached? Why are phone lines closed? Why are they refusing to provide an estimated date of completion? Why is all online account access blocked? Why are auto-payments not processing and yet accounts are being assessed fees and credit bureaus being contacted? Why can customers not use any of their credit cards?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX l have a loan with XXXX XXXX, service by Rushmore Loan Management services. 
I have been suffering a nightmare since the first day my loan was sold to you. 
In XXXX of this year, I bought a condo in XXXX Florida, and it was financed by XXXX XXXX. 
All my documentation was submitted and registered by them, including 1 year in advance condo insurance, and the flood insurance from my building. 
Since XXXX this year, my loan was sold to XXXX XXXX, and the documentation was apparently never submitted, by the previous loan owner. 
They start adding money to my balance without even notifying me, when they finally told me, I let them know that was wrong because I did have full insurance, paid in advance for the full year, including the flood one. 
I submit everything by email several times, and even by regular mail. 
And the last time I was able to actually speak with someone over the phone, he said that the information was received, but, never processed. 
I submit it one more time, but still shows a deb that I dont own! 
It is not my fault that the previous loan owner did not submit it completed! 
I have been trying to get the message to the people that call me harassing me for something that is not right! 
And now for the past 2 weeks, I have been trying to speak with someone on customer service, and is absolutely impossible, that customer service line XXXX XXXX XXXX became only an automatic system, and is not possible to speak with no one. 
Please help me, I need them to register the insurance information from day one in my loan, delete the amount of money that was a wrongful charge to my balance, and clear my loan. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection Bureau Inc. 
XXXX XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX XX/XX/18 This collection bureau did not verify amounts owed to them before suing. If they had they would have found I owed nothing to the client they were trying to collect for. I contacted them to resolve the issue only to be transferred to their " Law Office '' who again tried to state there was an amount owed. I informed them I called the debtor to verify amount owed prior to contacting them. At that time their representative from their law office was very rude. 

I have also received several harassing calls from this collection agency which I do believe is a violation of FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: NV
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:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No - XXXX XXXX. Amount Owed {$200.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks 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