BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX I submitted a letter to EQUIFAX and XXXX disputing the accuracy of several accounts that showed inaccurate and missing information according to my 3 bureau XXXX report dated XXXX XXXX. On this letter I highlighted several inaccuracies with a XXXX  XXXX account # XXXX. This letter highlighted that there were SEVERAL errors on this record that did not match what was being reported on any of my records or even the other bureaus. Their response twice, dated XX/XX/XXXX, and then again on XX/XX/XXXX, was what appears to be a stall tactic. A template letter applauding me for my efforts to correct incorrect information on my report. This letter is circulating all over social media because they send it to everyone in what appears as an effort to discourage and deprive us of our right to have an accurate profile with their company. I have sent a total of 5 separate dispute letters with detailed information about specific accounts on my consumer report and some haven't even so much as been updated to " in dispute ''. I saw where the CFPB released a report on XX/XX/XXXX of XXXX about the three bureaus and in that report you showed that these companies failed to provide substantive responses to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: MO
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 am a victim of identity theft please remove this fraud inquiry 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 2023-02-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made multiple payments towards the principal of my Wells Fargo loan account and I didn't see a significant difference in the loan amount. My escrow account has more than doubled. I asked for the account to be closed however, I have been getting the run around with Wells Fargo Mortgage representatives. I keep being told that the request was being placed in the computer has we spoke to later call and was told there was no request placed in the system. I'm asking an investigation into my complaint.

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 2023-02-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This is my third complaint and the most serious. 

Wells Fargo is attempting to commit Fraud and lie about what has transpired here. I have fully documented court admissible evidence of all of my correspondence with Wells Fargo. 

I have had NO LESS than 20 calls with them or have returned their call. Dozens of emails as well. 

They are now personally sullying my professional reputation. I will be serving a Writ of Summons next week to demand the court order them to stop.

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 2015-06-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My husband and I got a revolving line of credit loan in XX/XX/XXXX. We bought a credit life insurance policy to cover the loan. My husband died in XX/XX/XXXX. I told the lender about his death many times and asked them to use the policy to pay-off the loan but they ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Bread Financial Holdings, Inc.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of XXXX, I received a monthly statement from my credit card issuer, Comenity XXXX XXXX. I mailed a check, for the full amount, {$670.00} on XX/XX/XXXX. Upon receiving my XXXX statement, it showed that my payment had not been credited and a late fee and interest had been assessed. I called the company on three separate occasions during the next week to see if the payment had been received. My account reflected that the payment had not been credited and I was told it had not been received. At that time, XX/XX/XXXX, I made an ACH from my bank directly to Comenity for the full amount due, {$1000.00} ( XXXX and XXXX statements ). Upon being given a confirmation number by Comenity for this transfer ( XXXX ), I proceeded to cancel the credit card and close my account. Today I received a statement from Comenity informing me that I owed a {$25.00} for a returned check. I find it very coincidental that a check that was mailed over a month earlier " appeared '' on the next business day following closing of my account and payment-in-full of the outstanding balance. Why would a company deposit a check for an account that no longer existed AND was paid in full? In my opinion, what has transpired is simply a ploy to generate an illegitimate fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Account name XXXX XXXX  XXXX  Account number XXXX, Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Account name XXXX XXXX  Account number XXXX Account type Credit Card 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 is 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 2023-04-27
Company: EQUIFAX, INC.
State: NJ
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:
THIS ACCOUNT IS INACCURATE, I DID NOT INCURATE ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi, i'm a victim of identity fraud somebody used my information to obtain vehicle loans and open credit card accounts in my name. for example XXXX XXXX {$1900.00} date opened XXXX XXXX XXXX XXXX {$3700.00} date openeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} date opened XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXXXXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened 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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My new account is with XXXX. XXXX keeps reporting me delinquent when they transferred the loan to XXXX in XXXX or XXXX. I want all XXXX to be removed from my credit report. They are committing fraud and hurting my credit profile. They should also be past the the statute of limitations on reporting.

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 2023-07-13
Company: Waypoint Resource Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no agreement nor account with waypoint resource group llc.Ive previously requested validation of the debt they claim I owe, to which they have failed to perform. They continue to communicate with non- affiliated third parties that I owe a debt to them Ive never given written or verbal permission to report and or communicate any information to anyone .Ive previously sent a Cease & Desist communication on all medium including to non- affiliated third that they continue to communicate with. They are adversely affecting my ability to care for my family due to these violations of my consumer rights

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 2023-07-13
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Since XXXX i have had issues with paying my car note in full. I have had issues where there has been multiple fraudulent bank transactions amongst a company wide theft at my place of employment. To note I have been sick and having medical complications. I have asked that I get an extension due to my information being stolen and used. I am waiting on a XXXX dollar provisional credit from my checking account. I am going through a lot of investigations regarding my personal account information. Others from my place of employment have suffered as well. I asked Regional Acceptance Corp. to hold off from repossession seeing I have been a victim of theft and fraud twice in 3-4 months. They informed me that because I broke my first agreement, due to me being in the hospital, they could not pause the repossession. I stated funds would be available on Friday and within, another 3 business days. The woman I spoke to said try and borrow the money until I get the provisonal credit. This is violation and discrimination against my situation and circumstances. I have documented information and receipts regarding this hardship I have faced and still facing. I need this company to understand if there is an active investigation going on in regards to theft of personal property as well as identify theft, why would you try to still responses. Not once did anyone say let me get a copy of your documents. No one has helped me or tried to. Circumstances happen, and this one is one that I can not control. I need some help getting justice.

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 2022-11-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed below : XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Date : XX/XX/XXXX Bank : Chase Amount : XXXX + XXXX totaling {$10000.00} Action : I received email notifications about tickets purchasing on XXXX on XX/XX/XXXX that I did not make, on my chase freedom unlimited credit card ending XXXX. Those tickets were for events happening on XX/XX/XXXX. On XX/XX/XXXX, I immediately called Chase to report the fraud transactions. I was told by the customer representative that the transactions have been marked as fraud and a new card was issued. However, after about a month, Chase reserved the charges and claimed those were valid. I opened a new investigation with Chase fraud department, but still hear back that the charges were valid, because my name, email, and home address were used. However, those information could be compromised easily these days. I did my best, by calling Chase right after noticing the fraud charges, a couple hours after the fraudulent charges were being made on my credit card. But Chase still claim those charges were valid. Those charges are standing on my credit card balance and starting to accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received a solicitation from Citibank to open a Checking Account with a special offer to receive XXXX American Airlines AAdvantage with 30 calendar days of completion of certain " Required Activities. '' I opened the account on XX/XX/2023 and it has been over 30 calendar days since I have completed the Required Activities ( as confirmed to by over the telephone by a Citibank customer service representative ) but have not yet received my XXXX points. I have called Citibank customer service line multiple times and they opened an investigation. However, they concluded their investigation and sent me a letter stating that I would receive the bonus within 90 calendar days. This is directly contradictory to their written offer - an excerpt I have copied and pasted below : " Your American Airlines AAdvantage Bonus Miles will be credited to your open, eligible AAdvantage account within 30 calendar days from the date you complete Required Activities. '' Here is a link to their offer : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX I also have the emails they sent me with the same language which I have attached.

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 2020-04-30
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.

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 2022-12-24
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: Information belongs to someone else

Complaint:
I am relieved that you removed some information related to my complaint earlier this year. But there is still an inquiry that lingers to my report that has yet to be redacted. 
This is the Inquiry that I'm Talking about : 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 2023-02-04
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Many years ago we banked with Wells Fargo in XXXX XXXX, WA. and we were charged numerous overdraft fees when half the time we had money XXXX day and the next it was gone and they ended up closing our account and charged us a ton off money so we didnt have to owe.

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 2023-04-14
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I tried to pay off Loan B ( # XXXX ) completely but my payment was not applied correctly. I paid {$2000.00} on XX/XX/12 and was told that was done as that was the correct payoff amount. However, after checking my account the next day, they split the payment between Loan A and Loan B. I tried calling and was hung up on twice. After being on hold for 20 minutes, I was told that they had to look into that. Payment adjustment ticket # XXXX was issued, and that the interest would continue to accrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Account Control Technology, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ACT aka Account Control Technology , Inc., called my father and left threatening messages and where I was about a student loan serviced by XXXX. The person really upset my father, as not only did he know where I was, he was being called and threatened. My father is willing to make a statement about the constant phone calls threatening him and I. I got the number of the ACT collector, and he told me I had to pay {$18000.00}, with a total due of {$19000.00}. I was at the time homeless and in XXXX  with the Veterans Administration.

I had also applied for Federal Loan Forgiveness, ( XXXX Discharge ) and it was approved. I negotiated two payments of {$3200.00}, ( {$6500.00} ) which was debited from my savings by XXXX not ACT. 

This was all a shady collection tactic because I believe they knew that XXXX was about to forgive all of my private loans once they were contacted by XXXX ( XXXX XXXX XXXX ) & The Dept. of Veteran Affairs. I think that ACT new this was the case but still took the money which is unfair. My father is still traumatized by the nasty collections tactics they did, in which nasty and threatening conversations were threatened towards me via my Father and directed at my Father, with threats that if he is harboring me then he is liable. I was getting treatment for XXXX and XXXX  XXXX  from XXXX XXXX XXXX ( XXXX ). 

ALL other XXXX Private Loans were forgiven as soon as they were contacted by XXXX that I was awarded a XXXX ( XXXX XXXX XXXX XXXX XXXX ) and XXXX was also contacted by the Department of Veteran Affairs. I was homeless and then at the VA 's XXXX at the time. I spent 21 years intermittently homeless due to untreated XXXX from 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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
THIS ACCOUNT IS INACCURATE, I DID NOT INCURATE ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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