BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: SC
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and update these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and update these accounts from my 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Disputed XXXX XXXX XXXX  account multiple times through Experian havent gotten any results come here to provide proof and get these accounts removed from my credit report not fair that its effecting me when i never owned these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have scheduled a payment in the amount of {$170.00} on XX/XX/2022 to be debited from my account on XX/XX/2022. I have attached a screenshot of the confirmation email. Upon returning to the Comenity Wayfair site, it says my account has been closed. I called customer service number and the automated message alerted me that all phone lines are down. I have no way of confirming my scheduled payment and I am worried they will falsely report a late payment to the credit reporting bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been attempting for several months to assume the mortgage on my deceased mother 's home. I am the sole heir, and have been recorded on the title. 
I have made multiple phone calls, and sent several emails to advance this process. 
Upon each inquiry, Freedom Mortgage asks me to submit a mortgage assumption form. I have submitted this form on 3 different occasions. I have also submitted all other required documents ( death certificate, letters of administration, recorded title ). 
After submitting the form Freedom Mortgage completely ignores my request, and I'm forced to submit yet another inquiry to attempt to move the process forward. 

Also, I began asking Freedom Mortgage about removing XXXX from the existing loan. 
They again ignored my inquiries for a few months. Finally they replied that the current mortgage is FHA and is not eligible for an XXXX XXXX, but that I could simply refinance into a conventional loan to remove XXXX. Had Freedom Mortgage responded in a timely manner, when mortgage rates were in the 3 % range, this would have been a feasible option. However, due to their egregious delay, mortgage rates have doubled making a refinance option untenable. 

I believe this shows purposeful bad faith on the part of Freedom Mortgage, and would like the issues resolved immediately.

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 disputed a credit card account with transunion and it said that it was going to be deleted but its still on my 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 non-monetary relief
Consumer complaint received 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I was charged two unauthorized amounts of {$29.00} ( total of {$59.00} ) for XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX and immediately filed a claim with my bank, Bank of America XXXX They gave me a Temporary Credit Adjustment on XX/XX/XXXX for the claim # XXXX I cancelled my debit card and was issued a new one since this was a case of fraud. 
On XX/XX/XXXX I was charged from Bank of America yet again for the two amounts of {$29.00} ( total of {$59.00} ) under the charge of Temporary Credit Reversal I did not make these original transactions and do not know why my claim was denied

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
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Please remove all the fraudulent items in my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Repeated complaints in writing have only partially resolved the issue with the Capital One credit card company. Capital One has previously admitted in writing that it can not establish that the card holder authorized the contested transaction. Previous complaints contesting the fraudulent charge, fees, interest, and requesting the account be closed resulted in reversing the charge and interest and fees, but then new cards were issued without authorization or request of the card holder, and the fraudulent charge plus interest and fees carried forward in newly created accounts. After more complaints of this unfair business practice, the original charge was credited to the currently still-open account and some of the additional fees and interest based on that original fraudulent charge were reversed, but not all ; the account remains open with a balance consisting of fees and interest based on the fraudulent transaction. The card holder has repeatedly requested in writing that the balance be reduced to XXXX and instructed Capital One to close the account and not issue any more cards. But the card holder is continually harassed with monthly statements seeking payment of a balance which is illegal, because credit card companies may not seek collection of fees and interest on fraudulent transactions. The most recent statement dated XX/XX/2022 shows a balance of {$490.00} WHICH IS ENTIRELY FEES AND INTEREST accrued on the reversed fraudulent transaction, plus another interest charge on that balance of {$9.00}. Essentially, Capital One attempts to extract from the card holder fees and interest that are not owed, which by law can not be collected, and persists despite repeated protest and complaints. The author of the complaints and correspondence is an advocate, a licensed attorney, who has been assisting the card holder pro bono because the credit card company is outrageously attempting to take advantage of a hard working honest immigrant with this unscrupulous business practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, and 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 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: Fuel Capital Group
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report says someone used my personal information to loan a car and the car was repossessed and now it says i owe the lender {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: CA
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:
The inquiries below need to remove due to unrecognized on my Equifax personal credit report. 

XXXX XXXX on XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Account through chase. I was scammed or victim of fraud, a total of {$2000.00}. Two separate XXXX dollar transactions on XX/XX/XXXX and XXXX. I was trying to buy a monocular online through a site called XXXX. Once the money was sent the person XXXX XXXX then he kept telling me something happened or a bunch of excuses and he couldn't send. I started looking into his feedback on the website and realized he had set XXXX fake accounts to make his profile look honest but they were all fake and found the same item/ pictures for that same item on sale 8 months prior under a different profile name and that profile was shut down for suspicious activity. I filed a police report and notified the bank of the issue as soon as these things were brought to my attention. After trying numerous times to get my banks help on this to try and recover some of the losses they have not helped or tried assisting me in this at all so far. Police report # XXXX. If additional information is needed I have all the proof documented in email form upon request. I have a lot more evidence in email form but this site is limiting me to the file size I can upload but I can provide everything upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After noticing fraudulent charges on my account I spoke with a banker on the phone and they started a claim. These were for charges from XXXX and I e never had an XXXX as well as other online charges of services like payments over time that I've never used or never been familiar or know how to use. I wasn't even able to log in and check my online banking until a few weeks ago when my daughter showed me. This is after multiple attempts for them to show me how to use the online banking. They were always busy or required an appointment. 
After filing the claim I filed a police report over the fraudulent claims. I was assured by the banker I would be credited the money on the charges within ten business days. The only ones he wasn't sure would be refunded were the ones over 90 days old. Ten business days passed and nothing happened no word no credit. It was nearly 3 weeks that I called and told my claim was denied and nothing would be credited and nothing else could be done or appealed over the charges I never made. I feel taken advantage of and stolen from and the bank promises to protect from fraud and they just say denied and nothing further can be done. It's not right. I'm XXXX XXXX XXXX and never thought the banks could let your money be stolen and say too bad.

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 2022-09-21
Company: Credit Karma, LLC
State: WI
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:
Credit karma falsely advertised offers saying that i would be approved for sure credit which was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: FL
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:
Unable to access account online to make a payment - website down for days. Tried making a payment via telephone and when you call the number, get a message that say " due to unforeseen circumstances we are closed '' and then you get disconnected. Payment was due XX/XX/2022 and I have been trying to make payment since the XXXX to no avail. I am concerned that if and when they get up and running late charges and interest will apply. I ALWAYS pay my balances- not just minimum, so I never have interest charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30
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: Account status incorrect

Complaint:
Experian is incorrectly reporting a charge-off on my account with XXXX XXXX XXXX XXXX I have contacted Experian as well as my bank and even have documentation that it is fraudulent but they still wont remove 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: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Balance on XX/XX/XXXX - Original loan amount {$500.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan The bank continues to add this report back to my credit file over and over, which continues to bring my score down!

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: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Balance on XX/XX/XXXX - Original loan amount {$500.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan The bank continues to add this report back to my credit file over and over, which continues to bring my score down!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is attempting to collect debt from an XXXX account that was opened under my social security number. This account was opened up using address XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I have lived in TX all my life.

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 2022-06-07
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I owe the VA approx : {$1800.00}. the IRS set it up that they would take monthly payments out of my social security to apply to this debt, they have been doing that for a number of months. I received a Letter dated XXXX from the IRS informed me that they owed my wife and I, {$1800.00}. They also informed me {$750.00} would be applied to my medical debt with the VA. With this I received a detailed list of all the charges and who they went to. I need his amount to be paid toward this bill and I will be paying whatever is left with check or debit. The VA never informed me they would be turning this over to collections, otherwise this could have all been taken care of. I don't need this messing up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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