BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: GA
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:
ATTN : CEO/XXXX  XXXX & CFO/XXXX XXXX XXXX. Hello I am XXXX XXXX. NO E OSCAR disputes. A week ago I received a notice alert on my consumer reporting file. I mailed over certified documents on XX/XX/2021 to be exact I sent it with the USPS and it was signed by XXXX XXXX. The green certified number is XXXX. I've called in to get an update on the status of my disputes only to be told that there were no documents received. Here we are a month later with no response. I was lied to and was told that no documents have been received, in which I knew I clearly sent the documents and received receipt returns and a green card back. This is my proof to show that the consumer agencies are actually lying and ignoring me. I am distress and I have reach the capacity where I no longer have the patience to accept this as a consumer. There are inaccurate accounts that are reporting on my credit report that were removed an inserted back on my consumer report this was the first cause of action that I gave notice to the consumer reporting agency that they are refusing to correct information on my consumer report after providing proof that the inaccuracies are over to be removed. My reputation and character is being ruined due to inaccuracies of XXXX XXXX, XXXX XXXX listed and re inserted on my consumer report in which I've given evidence to back my claim. I am sure you are aware that in fact I can sue you for defamation and willful injury Pursuant to FCRA section 623 Recovery extent of damages incurred by the wronged party, as deemed by the courts in federal court. Second cause of action, The consumer reporting agency in fact re inserted a removed item from my consumer report without notifying me in writing within 5 business days, in fact I will sue them for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$100000.00}. Third cause of action is where the consumer reporting agency fail to respond to my written disputes, and try to respond online which I asked for them not to do. Also they didn't respond within 30 days, I will be suing for violating FCRA section 611 part ( A ) ( 1 ) which carries a fine of {$1000.00} per violation. Must remove from reporting within 4 business days of receipt I am not allowing E OSCAR disputes only manual human being.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a settlement offer letter stating a deadline of XX/XX/2021. I contacted Synchrony yesterday XX/XX/XXXX, but was told that was no longer an option.

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 2021-05-13
Company: Self Financial Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I opened the Self Inc loan on Monday, XX/XX/XXXX. My automated payments have always on been the XXXX of every month and I never had a problem paying them. I noticed this morning on Thursday, XX/XX/XXXX that I received a text from my personal bank informing me that {$55.00} was deducted for Self Inc. I was extremely confused, since my loan payments should have come out on Thursday, XX/XX/XXXX in the amount of {$48.00}. 

I opened my Self app on my phone and noticed some very unsettling things going on with my Self Inc loan. On Tuesday, XX/XX/XXXX {$48.00} was deducted as it should be. On Wednesday, XX/XX/XXXX, a " manual payment '' {$55.00} was deducted from my bank account from Self Inc. and I didn't even know until this morning. 

On Wednesday, XX/XX/XXXX another " manual payment '' was attempted but stated that it was cancelled. On Thursday, XX/XX/XXXX " manual payment '' was deducted from my checking account. 

I did NOT authorize this. My payments are never manually, but ALWAYS automated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: WELLS FARGO & COMPANY
State: LA
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 several inquiries on my credit report that were not authorized by me. I have no accounts with the creditors that performed the hard pull. I did no authorize anyone to run my credit with any of these companies. Listed below are the companies, along with dates the inquiries were ran. The companies have all been contacted and stated that they have no record of the inquiry because they do not keep files if I have no account. I have contacted XXXX XXXX and XXXX Nobody could help me remove these inquiries that are not mine. Wells Fargo XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX 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 2021-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Three times a fraudster has " transferred '' all of the funds out of my California XXXX XXXX Bank of America account : {$3400.00} on XX/XX/2021, {$3400.00} on XX/XX/2021, and {$3400.00} on XX/XX/2021. I filed claims with Bank of America after each incident and funds were returned to the account several weeks after the XX/XX/XXXX and XX/XX/XXXX fraudulent transfers. However, despite asking Bank of America to let me know if and when funds were returned to my account, I was not notified by Bank of America and didn't even know that the funds were restored before the fraudster ( who clearly was alerted about the funds ' restoration ) " transferred '' the money again. I have spoken ( after endless waits on the phone ) to numerous Bank of America representatives in their Protection, Complaints, and Transfer departments to report these fraudulent transfers and try to prevent these transfers from happening again and followed all of the steps they told me to follow, but despite my efforts these fraudulent transfers have now happened three times. I tend to get different answers and different " solutions '' to each person customer service representative I speak with. One B of A representative told me that the fraudster is clearly hacking my Bank of America online account, plugging in his email, phone number, bank account, etc. and even fake " security '' questions there. i, however, DO NOT HAVE ACCESS TO THE MY ONLINE BANK OF AMERICA EDD ACCOUNT ( whenever I try to log in I am told I have the wrong " security '' information. When I asked that the online account be removed and/or put on hold the representative I was speaking with told me this was impossible. 
I am at a loss and fear that even if/when the funds are restored to my account they weill be transferred by the fraudster a fourth time, since he has access to and is being given information that I do not have.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: OH
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 been trying to fix my credit for a while now and seems like everyone is making it so extremely difficult. My attorney sold off my bankruptcy and they in turn kept most of my discharged debt all over my reports appearing too look innocent but in reality they secretly report and from other credit monitoring apps. I learned a lot this whole struggle. I wish there were someone who really cared and would go after people for doing others like this. All i want is a small house and the least these companies could is correct the items so i can have a small chance. But this issue Im having { amongst a lot of other discharged accounts } On this one account I thought was very suspecious. because none of the information makes sense too me.. I asked the company to validate the account and once they did, it came back with another name. That has never been my name, I havealways held thr same lastname my whole life, After discovering the account wasnt mine, I contacted Experian and XXXX, Its been well over the 30 days and according to Federal credit law, spelled out in the Fair credit reporting act. FCRC a credit bureau is required to respondand complete their investigation within 30 days ... ..If they do not, they must remove the item in question!

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 2017-06-14
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am the durable power of attorney for my son. I have filled the DPA paperwork with Navient over 2 years ago. I have called repeatedly in response to mail only to be told multiple things, they do n't have th e DPA  on file, that it has expired ( they were reading the expiration dat e of the notary 's commission ), that they are unable to speak with me regarding the loan becasuse I am not empowered to deal with his loan, that I have filed the wrong paperwork, that they do n't have a valid signature, etc. This is just trying to renew his income-driven repayment plan for this year. The same thing happened last year. I am resubmitting paperwork again today per their request. There is no one at Naviet that I am able to speak to or who has corresponded with me that that is empowered to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Continental Finance Company, LLC
State: IN
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 just had these two companies pop up on my credit for credit cards that I dont own! I havent opened any new accounts in over a year!! Im very upset about this!! I have contacted my attorney about this! These companies are fraudulent and need to be invested!! Pleas remove them from my account! Thanks

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 2022-09-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
an account was fraudulenty p laced on my credit file by transunion. Below is the account information i have requested a proper verification several times from transunion to prove that the account is mine or else they need to delete it frommy cr edit file. Each time there responce was account is verified as accurate without proof for me. They refuse to provide me with any contracts bearing my signatures or any proof that the account belongs to me.     XXXX   XXXX   - ACCT #  XXXX  DATE OPENED  XXXX / XXXX / 2016  BALANCE {$2200.00}

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 2017-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX / XXXX /   2017 Capital One C redit Card charged on my account twice with the amount of {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 see 2 unauthorized inquiries on my transunion credit report and I need them deleted 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 2022-09-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, I applied for a mortgage forbedance because of covid with Suntrust, which was the bank who on the time. When the forbedance period ended in XX/XX/XXXX, they sent me a letter saying that my options were to pay a lump sum for the amount that was open during forbedance, or to do a loan modification. I contacted them and communicated that I wanted to do a loan modification. They made me sign some documents and send it back to them. I did as instructed. I confirmed later on they had received the docment signed, and they told that I had to wait until they send the modification paperwork, and that it could take sometime due to the number of modifciations they were doing, and that I did not need to make any payments while I was waiting, but I could do if I wanted to. I never heard anything from them since XXXX weeks ago, when they sent me a leter saying that I was in default, and that they were going to foreclosure my XXXX XXXX I contacted them and explained. 
They knowledge that they failed in sending me the paperwork and told me to fill out a mortgage assistance application. They said they were going to send the application by mail. I never got any application, but I found the document online, filled it out and sent it to them. When a called again last week to follow-up, the home preservationa ssiatnce told me that the application was a mistake, that I did not have to do that, and that indeed all they had to do was to send me the loan modification paperwork, and that I was not on default and the amount owned showing on the statement was wrong. During the weekend, I received a notification that they reported the loan as in default on credit report. It dropped my credit score from XXXX to XXXX. It is also showing the loan balance an amount of $ XXXX, which is more than the original loan. 
When I called them back today to inquire about that, they started to say that it was my fault for not following-up, and that there was nothing they can do about my credit report. At this point, I am extremely concerned about this situation. Each time I call, they say something different. When I was dealing with Sun Trust, I never had any problems with them., Now that they have been adquired by Truist XXXX I feel like they are completely disorganized, and because of that, I am being penalized for something that is not my fault. The foubedance was my right, and I did everything as instructed. I need please to report them, and I need assistance with this.

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 2020-04-22
Company: EQUIFAX, 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:
Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX Bank of America there was {$100.00} deducted from my XXXX XXXX  account on XX/XX/XXXX paid to XXXX XXXX of XXXX VA I have never heard of this person.

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 2021-10-29
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns XXXX XXXX frequently calls my husband at XXXX, however, the phone line belongs to me. I have repeatedly told them that XXXX is in XXXX  and to stop calling. They call everyday 5-6 times. They could do an online search and verify hes an XXXX at XXXX XXXX XXXX. Im getting harassed by their constant daily calls. They have called from XXXX, XXXX, XXXX, XXXX and XXXX. Every time I block a number they call from a new one. Im already stressed with the fact he was arrested and being held on {$50000.00} XXXX. I dont need frequent collection calls for a debt I am not responsible for. We divorced in XX/XX/2020. They need to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: American International Finance, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I put XXXX down on a XXXX vehicle 3 weeks ago and they will not give me my full down payment back. They took my car without warning a few days ago. The manager refused to take my car payment. It was less than 24 hours since the payment was due. The so called manager said she closed my account because she said she did n't like my attitude and wanted her car back. The finance company is very rude and unprofessional. XXXX and XXXX do not have any type of integrity or heart for human beings. Nice cars, but the company that owns them are something else. I told them I was an identity theft victim and XXXX told me that was my fault. I was Called a liar. I kept getting cut off and told over and over they do n't care. They are so heartless. This is the worst decision I have ever made. They give a 0 day grace period no matter the situation. I have never been treated The way I was by a company this past weekend. I fell into tears. Carplex needs a new bank to work with before they lose all of their good customers. Run from this bank!

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 2020-04-22
Company: FIRST NATIONAL BANK OF OMAHA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a letter from from First Bankcard C/O First National Bank of Omaha stating that they had decreased the credit limit on my account DURING the National COVID-19 Pandemic. The change was made prior to any communication or notice period to me. The change has negatively impacted my credit score which in turn could potentially create undue financial hardship. As a consumer, I am appalled that while other financial organizations are trying to help consumers - First Bankcard is harming its consumers. 

The letter stated that they pulled my credit report. They did not have permission to do so. The account has been paid as agreed since it was opened. Never one late payment. The account has been paid off 2-3 times during the same timeframe. All payments have been above the minimum payment. 

I believe they limited my credit line because I was not utilizing the credit. Now - because they decreased the credit line to the exact, current balance - it shows as if I am maxed out on the account when it fact, they manufactured this result.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent my second letter to XXXX, XXXX, and Transunion giving them an opportunity to rectify the situation and they have not. They are reporting inaccurate information and they're reporting a bankruptcy that I have disputed and asked for them to remove. 

I have asked them to remove names, addresses, and employers that I am not associated with. I also told them to remove my social security number ( last four digits ) my birth date/ year.

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