BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my XXXX report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, XXXX is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/21 requesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/21. 

As of today, XX/XX/21, this error is still being reporting as it previously was on on my profile ... in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: HireRight Solutions, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Hire Right Background Services are not working in good faith. I am receiving information from representatives that is inaccurate. I have spoken to XXXX different supervisors concerning my pre-employment screen. XXXX started the lying. XXXX and XXXX joined the conspiracy on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dear Representative, I was advised that I could open a checking account ov er the Internet w/ Wells Fargo Bank and for the la st  XXXX  seem to go no were with this simple task. Over this experience there was  XXXX  applications submitted with-out any success . Still four weeks have gone by with no account being opened.

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 2017-06-02
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Applied onlin e at AdvanceAmerica   XXXX / XXXX / 2017  Approved - ema il stated Voice call w ould be necessary to complete transaction Did not accept voice calls Received Email stating Funds were to be deposited on  XXXX / XXXX / 2017  Funds NOT deposited however I still maintain an outstanding bill Emailed company back - have had no response, yet account still shows open ( simple call to be the bank and they could verify funds WERE NOT deposited )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX   XXXX   XXXX  trying to collect a debt they took over the property the attorneys  XXXX   XXXX   XXXX  ordered to foreclosure the property on  XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX  knowing tnere is an active a bankruptcy protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Fay Servicing, LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Fay Servicing llc tr ying to collect a debt they took over the property the attorneys  XXXX    XXXX    XXXX  ordered to foreclosure the property on  XXXX   XXXX   XXXX    XXXX   at  XXXX   XXXX  knowing tnere is an active a bankruptcy protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: SECURITY FINANCE CORP
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collector called multiple times even after i told them to stop .The person they are calling for i do not know told them that several times but they continue calling!!!        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 explanation
Consumer complaint received 2017-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
At around  XXXX   XXXX  PDT on  XXXX   XXXX ,    2017, I logged into my online account associated with a Bank of America prepaid VISA debit card ( California unemployment benefits ). When I attempted to transfer funds from the prepaid card to my person al bank account ( in order to cover my monthly rent check ), I received a message that said that money transfers were " temporarily '' unavailable. The website did not indicate if and when users next could transfer funds.

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 2017-06-01
Company: CURO Intermediate Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a letter fro m Speedy Cash  around the end of   XXXX   indicating I defaulted on a loan. I never applied for a loan. I immediately call ed Speedy Cash after r eceiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called  Speedy Cash and with my permission paid/settled on the balance. I was told the negative reporting wo uld be removed. I even received a letter in RR mail shortly after this other person made the payment.  <P/> Now the item is showing on my credit report and opened for the full balanc e. I called Speedy Cash today and they told me to file a complaint with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been comparing credit card offers and came across the Chase Sapphire Reserve card. After reviewing the information about it, I had a couple questions. One imparticular was that I noticed reward points are worth 1.5x their value if redeemed through the Chase travel site. I was curious as to whether or not the same rate would apply to cash if booking a vacation through the travel site. I searched through the offer details and the pricing & terms for clarification. Unfortunately, I was unable to find any information in regard to my question. I thought it would be best to check with Chase Bank directly so that I 'd know for sure whether or not I wanted to apply. At approximately XXXX XXXX central time today,XX/XX/XXXX, I called to inquire about it. The representative was unsure of the answer, so she asked if she could put me on hold while checking. After a few minutes, she came back on the recorded line and assured me that the same preferred rate applies to cash if I 'm booking through the Chase travel site and have a Chase Sapphire Reserve card. I figured that benefit would get me over the fence about applying since I 'd save enough on annual travel to make up for the {$450.00} annual fee. Immediately after I got off the phone, I applied and was instantly approved. Upon being approved, I logged into the Chase travel site under my new Reserve card only to find that I had been lied to about the cash rate. There was absolutely no discount on the cash value, only on the point value. I called Chase back at XXXX XXXX and was then told that the special rate only applies to points. I even spoke with a supervisor and explained that this feels like a bait and switch method to get me into the card and collect the {$450.00} annual fee. His response was that I had agreed to the terms and conditions and that I should have reviewed them more thoroughly. I explained that I did read through that document and the offer details, but could n't find anything in regard to my question and thus the reason for the initial phone call. Still, the supervisor tried to lean on the terms and conditions document.
<P/>
If, in fact, the terms and conditions document did contain any information in regard to my question, it was well hidden. Not even the supervisor could find the detail when asked! I feel as though this Bait and Switch method of getting me to fork over {$450.00} crosses the lines of UDAAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have given an FTC Report as well as attempted to contact Equifax regarding the removal of inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: IL
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:
XXXX have injuries on my report that I didn't do. I even called car place and they told me it's nothing the can do. Inaccurate info on report. Etc

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX-XXXX Inquiry from XX/XX/XXXXXXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I called experian to report fraud and to have inquires removed from my report. the representative did not want to help me. Stated because these are hard inquires I have to wait 2 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 2021-11-16
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent & I have advised this company that this debt is not owed, however, they continue place this on my credit report. I have shown proof of such, I provided proof of identification which was ignored, the address this company has on file for me is not mine and I've never lived there. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Final payment of loan amount of mortgage was not properly applied. Overpayment went to a suspense account which was greater that the remaining balance. The actual amount was less than the amount owed. Reach out to Carrington Mortgage  Sevice  and spoken to  three  representatives  (   XXXX   X/XX/17   ,  XXXX    X/XX/17    ,  XXXX   X/X/17     )  had not had an amicable resolution. I was informed that I would need a payoff request that was sent to me prior for final settlement however the pay-off showed a refund to me rather that amount owed. A negative derogative was submitted to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: NC
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2017-06-01
Company: ACS Education Services
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I currently have a hold on my account due to overdue payment with th e ACS for m y loan. I am trying to make a payment to the account ; however, I am unable to register for my account becaus e ACS we bsite states that it does not recognize my social security number.     Since my account could not be registered, I am still unable to view the amount that I have to pay and pay for it. I have been contacting ACS, yet I am unable to get a hold of them.     I urgently need to get rid of the hold on my account because I need to order my official transcripts to register for my   XXXX    XXXX  degree and my job.     yet, it seems like I wo n't be able to have my   XXXX   XXXX   and job due to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Experian Information Solutions Inc.
State: WI
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 submitted a dispute to Experian on  X/XX/17   , for reporting inaccurate information on my report. I stated that the debt does n't belong to me and I also do n't have a contract with the collection agency verifying the debt is mine. The amount of the collection is {$1200.00} from    XXXX   XXXX   XXXX   XXXX  .  Account #  XXXX . The dispute has come back  3 b usiness days letter,  X/X/17   , stating the account was verified. I am positive that Experian did not reach out to the collection agency requesting verification of debt and received a response within  3 busi ness days. They also did not provide physical proof of what was used to verify the debt.

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 2021-11-16
Company: U.S. BANCORP
State: AK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I Who bank information has been leaked by the bank, was trying to get a debt consolidation loan. not only washtingn state XXXX, so did XXXX Washington state. before i even get in the bank people is calling out my info, not the bankers the customers. when i applied for credit card that said i did qualified for it and now 2 months later they wet fro XXXX to XXXX  unless one of te bankers lied. said i qualified for it. on day f application a XXXX and banker saying XXXX word and banker said don worry we wont him get it, we trying to start a race war with him. red line. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX wa us bank mortgage. then yall keep locking my account for no reason so i wont make payments despite meeting the standard ad requirements they denied me cause of my real XXXX not XXXX op XXXX race. 

i know y'all XXXX XXXX XXXX claim y'all want war but y'all need to feed nd absorption profile my system first. that a simple fix.

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 2017-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Received email from Bank of America fake site to input my username, password, name, address, credit information, and personal email login information Here is the scamming link https :  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 2017-06-01
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within their  30 a llowable days.

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 2017-06-01
Company: EQUIFAX, INC.
State: LA
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:
XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within their  30  allowable days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within the ir 30 al lowable days.

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