BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: NC
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 did not consent to, or authorize nor benefit from any of the following accounts and information. I am a victim of identity theft. I am writing to request that you block the following Incorrect information 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 2019-10-17
Company: Ability Recovery Services, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called Ability Recovery Services , LLC to notify them that I had a police report for financial identity fraud. and the debt collector hung up in my ear after calling 3 times. I have reported this to the floor supervisor and will be filling it with the AAG.

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 2022-03-02
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We are trying to sell our paid in full house. During a title search, a HELOC from XXXX with your bank appeared on our title search. This HELOC was paid and closed almost 30 years ago, but no discharge was filed with the county. 

I have attached the title search, along with my daughter 's POA so you can speak with her as she is handling the sale of the property. 

Section 1921 of NY Real Property Law says the mortgagee has 60 days to release the lien, or is subject to a {$1000.00} fine. If it takes 90 days, the fine grows to {$1500.00}. What's the fine for 30 years and causing us to lose our buyer?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I did never open this student loan I have not attended school since High School so please remove this account from my credit report thank you. This is Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Im the end of XX/XX/2017 the lawyer who promised us XXXX help release our kids from corrupted CPS agents and their unwanted commercial, non Federal, not government agency, which nobody voted for or elected, who illegally kidnapped our children and who knows how much they suffering from their criminals activities, which is called in the criminal driven market kids for cash. CPS created fraudulent case against me and my husband name is XXXX XXXX and then, we met this attorney, XXXX XXXX XXXX, who said that he has connection and to release our kids from CPS custody is a piece of cake for him, later as we found out, he was giving courses to white XXXX crimes cyber criminals,, who knows how to live online attacking banking accounts hacked through XXXX and XXXX contacts of other people, like us. So that evening all the money dissipated from XXXX  account and internet banking accounts hacked through XXXX accounts and internet banking accounts hacked through mail fraud transactions, forwarded from XXXX and online banking accounts from XXXX servers to gmail accounts and contacts with XXXX accounts hacked through XXXX and lost in cyber banking transactions online Al they were controlling transactions online and messing with my mind and my husbands name changed to my gmail account transactions online banking, social security number messed up. I filed a police report for identity theft and federal fraud and report fraud transactions online to FTC and calling XXXX support and XXXX and those hackers abusing and threats me online every time I try to reach XXXX XXXX or any legal aid authorities who are not aware of my anonymous family sharing account XXXX mail. Please help us to stop this, cause my husband is a military veteran, who is not well and we are on the streets now, Im not able to break through and contacts and file a complaint online about dispute and fraudulent transactions online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account of {$700.00} from the collection agency listed as Southwest Credit Systems. I have contacted the agency by phone calls, emails and certified mail asking for debt verification and for the account to be removed from my account. I have also disputed this account with the three credit bureaus. I have been unsuccessful and this collection is extremely hurting my credit score and now my livelihood ; I have been denied housing and transportation because of this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan was transferred, Seterus Inc. would not honor the terms, denied being the servicer, found it after 8 months, costing me greatly in legal fees, then told me I had to pay over {$14000.00} in a lump sum. Somehow {$70000.00} has been added to my mortgage, going up from, {$120000.00} to {$190000.00} ... ..last statement was handwritten. I feel that My civil rights have been violated, a direct violation of the 8th amendment. I believe that punitive damages are in order

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a promotional offer from Wells Fargo for a {$300.00} promotional credit on a business checking account, paid out if certain terms were met. There terms were : *Deposit {$1000.00} or more into the new business checking account by Day 10, and *Have a {$1000.00} minimum balance in the account on Day 60, and *Make 5 or more qualifying transactions by Day 60 : Debit card purchases ACH ( credit and debits ) Checks paid Mobile deposits Wires ( credit and debits ) Wells Fargo Bill Pay or Direct Pay I applied and was approved for the account, in a Wells Fargo branch on XX/XX/XXXX. The personal banker even called Wells Fargo corporate to confirm the offer and apply my unique offer code. I met all of the criteria well within the timeline allowed. 

On XX/XX/XXXX, Wells Fargo customer service informed via direct message I would not receive the offer because the code was not applied to my account. I am outraged, ripped off, and fed up with their service. I demand to be compensated in the manner which was advertised.

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 2019-10-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX NC XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 
Sincerely, Name 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 2022-07-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Im the end of XX/XX/2017 the lawyer who promised us XXXX help release our kids from corrupted XXXX agents and their unwanted commercial, non Federal, not government agency, which nobody voted for or elected, who illegally XXXX XXXX XXXX and who knows how much they suffering from their XXXX activities, which is called in the criminal driven market kids for cash. XXXX created fraudulent case against me and my husband name is XXXX XXXX and then, we met this attorney, XXXX XXXX XXXX, who said that he has connection and to release our kids from XXXX custody is a piece of cake for him, later as we found out, he was giving courses to XXXX XXXX XXXX XXXX XXXX,, who knows how to live online attacking banking accounts hacked through XXXX and XXXX contacts of other people, like us. So that evening all the money dissipated from XXXXXXXX account and internet banking accounts hacked through XXXX accounts and internet banking accounts hacked through mail fraud transactions, forwarded from XXXX and online banking accounts from XXXX servers to gmail accounts and contacts with XXXX accounts hacked through XXXX and lost in cyber banking transactions online Al they were controlling transactions online and messing with my mind and my husbands name changed to my XXXX account transactions online banking, social security number messed up. I filed a police report for identity theft and federal fraud and report fraud transactions online to FTC and calling XXXX support and XXXX and those hackers abusing and threats me online every time I try to reach OIG SSA or any legal aid authorities who are not aware of my anonymous family sharing account XXXX mail. Please help us to stop this, cause my husband is a military veteran, who is not well and we are on the streets now, Im not able to break through and contacts and file a complaint online about dispute and fraudulent transactions online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX*CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. 

Diputes : XX/XX/XXXX XXXX XXXX services XX/XX/XXXX XXXX XXXX services XX/XX/XXXX XXXX XXXX services {$3700.00} Paid on XX/XX/XXXX Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$48000.00} Balance updated XX/XX/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 2017-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
company will not contact use directly the keep contacting family members leavening messages 3 to 4 times a day. But they will not contact the card holder. they need to contact me or my wife directly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
After getting a copy of my report that I ordered a credit report with Experian.com XX/XX/2022, I called Experian since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with these accounts listed below, so please help me remove these CHARGE OFFS and COLLECTION, from my personal profile. A copy of my Utility Bill, drivers license, and W-9 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I Was using Chime to receive my direct deposit Its. Everything was going fine until I was incarcerated in 2020. I had A little over {$5000.00} it's in my chime account until I was incarcerated While spending time in jail I could not give anybody my Personal information such as my social security number to access my account I account and of course I could not access my account my account myself. When I Was released from jail the 1st thing I did was try to log into my bank account and I was told that my account was closed I have been sending email after email after email to chime customer support months later I finally received a response and they told me they would look intold me they were looking to my problem until finally after some time XXXX after some time they responded and told me they determined I was uneligible to receive my own money. I have no idea how this could not be illegal I need my money. there was nothing I could do about my account Not being used for that period of time either way it was my money and when they close my account I should have been sent that money immediately please get me my money return to me thank you. I will attach whatever emails I have what what please note the email I use now is different from the email address I had when I opened the time account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 fair credit reporting act 12USC 1681, Account # XXXX XXXX  # XXXX, Account # XXXX,, Account # XXXX  XXXX XXXX, Account # XXXX XXXX # XXXX, Account # XXXX XXXX XXXX inaccurate, not verified, Account # XXXX XXXX XXXX  # XXXX, Account # XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected 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 non-monetary relief
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX Bank # XXXX reporting paid as agreed, but showing XXXX 30 day late payments, reporting payment status worse delinquent none reported, inaccurate, Account # XXXX XXXX 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 an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit furnishers are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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  Account Number : XXXX XXXX  Account Number : 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 2021-04-15
Company: FIRST NATIONAL BANK OF OMAHA
State: RI
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:
I received a notice from another credit card company this morning who gets their information from XXXX and the alert was that my credit card with First National Bank of Omaha was closed due to inactivity. First of all, the company has not issued me a letter stating they closed my credit card on me, secondly, I have been a customer of theirs since 2016 and have never missed a payment or have been late. Third, I called the company and I was advised that theres nothing they can do that I would have to reapply. Lastly, I was saving this credit card to use on an upcoming trip. In the meantime, I was trying to pay down the balance. Apparently in the United States credit card companies dont want you to use cash. They want you to use credit cards with high interest rates or else you get penalized like in this situation.

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 2022-03-02
Company: Chime Financial Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I filed a dispute and requested a new card saying my card was lost chime sent me a replacement card same information why I have no clue next XXXX said I have to contact my bank the company further inconvenienced me by having to wait on another card again and to be denied my claim as a banker I would not treat my customers this way and this is not proper dispute procedures I am not accepting this as a loss I want my money back your company dropped the ball by not giving me a new card and not stopping that transaction again with having me go back and forth I want to be compensated for the lack and my funds stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Genesis FS Card Services, Inc.
State: IL
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: Overcharged for something you did purchase with the card

Complaint:
I'm XXXX and was a member of XXXX. I was advised to attend until fully vaccinated. I called, explained, and was disenrolled over the phone from an associate within XXXX in XX/XX/XXXX. I received vaccine XX/XX/XXXX and XX/XX/XXXX, and have not yet gotten a chance for the booster. On XX/XX/XXXX, XXXX began charging XXXX monthly fees to my credit card while sending advertising emails for me to sign backup for new/ reenroll membership. The credit card that PF fraudulent stole money from only had a credit limit of {$300.00}. I now owe {$600.00} due to fees and limit charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This should be linked to case # XXXX As this remains an unresolved issue between myself, Rushmore Loan Management, and XXXX XXXX  XXXX please see attached response

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed the XXXX account that is on my credit file numerous times with Equifax. They have refused to update the information causing my credit score to suffer. XXXX is reporting the account as a charge off with the amount. However when I disputed this item with XXXX they sent me a letter advising that they no longer own the debt and that it is owned by XXXX XXXX. If this is the case the account can not continue to be reported as a charge off. It should report as a transfer or sold. Equifax has completely ignored my request to dispute this information. Each time I 've disputed Equifax just comes back ans states the information has been verified.

Company response to consumer: Closed with explanation