BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ok there are XXXX collections on my credit report that are fraud and are not mine. XXXX is XXXX services for XXXX and the other XXXX collections are for sunrise credit services for charter communications that are fraud and are not mine. I want these XXXX collections taken off all three credit beure

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 2023-10-12
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting 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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2023-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I need your help in this matter with Bank of America. 
I am being accused of a fraudulent transfer, that I made on XX/XX/XXXX. 
The accusation is made without the knowledge where the transfer originated from, or proper investigation. 
I was an authorized user on their account ending in XXXX, and transferred money into another Bank of America account ending in XXXX. 
Instead of investigating they prefer to accuse me of illegal transfer. 
I been given the run around since the end of XXXX, when my accounts were frozen, and then closed. I wrote to the XXXX  and copied others, but nothing it's done. I can forward the e-mail that contains all the information, upon request. 
I hope you can assist on this matter, or at least tell me what did I do wrong. As of today, I have not received my money from account ending in XXXX for about {$32000.00}, or a valid reason of why this is happening. 

Thank you, 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 monetary relief
Consumer complaint received 2023-01-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is regarding a Chase in-app promotion via the offers they solicited as an upsell and the mailer I received. 

During an application for a business card in XX/XX/2023, a hard inquiry was made to my personal report rather than my business report. 
Chase advised me that they designed it to work that way even though the application states : # XXXX. I understand that when I accept this offer, Chase will post an inquiry to my credit profile. 

As a new and underrepresented business owner, it needed to be clarified what chase meant by my credit profile. They told the personal side, not the business credit profile. 

I called chase to ask that the inquiry be removed/deleted since it wasn't clear it was on the personal side, and I was informed under no circumstances would they do that even if the application was deceptive. 

I would like for them to please fix/update their promotional/marketing/application materials so that it is clear without any confusion that when applying for a business credit card, Chase will put a hard inquiry on the " personal '' credit profile. 

This would help new business owners better understand what is happening, incredibly since immigrants from different national origins ( many times without having a USA-based personal credit profile ) open new businesses at a higher rate than USA natural-born citizens, which can lead to discrimination that disproportionately impacts them if they were unaware that when applying for a business card, would affect their personal credit report and may also lead to higher declines due to their thin personal credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: LEXISNEXIS
State: IN
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:
LExis nexis continues to violate my consumer rights. 

Violated 15 usc6802 they never gave me the ability to opt out of having non public personal information reported to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Doyle & Hoefs, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXXXXXX XXXX and Doyle & Hoefs , LLC, without notice, filed a lawsuit against me in a state where I do not live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Specialized Loan Servicing Holdings LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing is a predatory lender who has constantly used servicing practices to harass and disadvantage me so they can force me out of my house. 

I am : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX  Veteren XXXX XXXX The company had a representative come to my house and XXXX XXXX me, calling me " a XXXX, XXXX  XXXX. '' Video included. 

After complaining they said they were not responsible, yet they use constant tactics to force me into foreclosure as a predatory lending company. 

I am reporting claims of discrimination and abuse as a XXXX, XXXX, XXXX veteran and XXXX. 

Multiple previous complaints to both the CFBP and Nebraska Department of Banking and Finance Regulation demonstrates a pattern of discrimination and predatory practices starting in the years prior to the pandemic and continuing throughout. 

I ask that CFBP scrutinize Specialized Loan Services discriminatory practices that amount to constant microaggressions in servicing practices including charging me and carrying over a fee called a " BPO '' which was not paid by housing assistance funds. 

This fee was charged for the visit by the person who called me a " XXXX XXXX  XXXX ''. 
This fee caused my credit score to be impacted over the course of the last 6 months were it was carried. 

SLS violated my civil rights and continues to be a source of mental and emotional distress due to the CONSTANT use of these predatory lending practices. 

Because I am XXXX. 
Because I am XXXX. 
Because I am XXXX Because they want my house! 

And I am not alone! SLS routinely preys on homeowners forcing them into default. 
THIS HAS 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 2023-10-05
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A new collection account was reported to my credit. This account is not mine. Debt collector was called and information that they gave is insufficient. They have started an investigation. I started a fraud protection notice on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-05-05
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
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:
Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me 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 2023-08-28
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this message finds you well. I am writing to formally lodge a dispute with Experian regarding erroneous information present on my credit report. My previous attempt to resolve this matter directly with Experian, initiated on XX/XX/XXXX, has unfortunately yielded no response as of the date of this correspondence. 
The discrepancies I wish to address involve the following accounts, which have been inaccurately reported on my credit report : Account Information : Creditor : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account has never been overdue. 
Request : Kindly rectify this inaccurate information promptly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Account Information : Creditor : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account has never been overdue. 
Request : I respectfully request the correction of this erroneous data on my credit report, as mandated by the FCRA.

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 2023-10-11
Company: Klarna AB
State: GA
Product: Credit card
Sub-product: Store credit 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:
On XX/XX/2023, I made a purchase using a Klarna one time card. The transaction originally totaled {$240.00}. During the process of 24 hours, 1 return for {$3.00} was refunded and the total dropped down to {$190.00}. 7 items that were to be shipped were canceled. Those items totaled {$43.00} ( without applicable taxes added ). Once the items were canceled, a hold of over {$43.00} was released. 

Once those items were canceled, I received an email from Klarna stating that the XX/XX/XXXX purchase was paid in full and future payments are canceled. Then In XXXX, I received a notification about paying on this order. I spoken with agents over the phone and through email. Each representative is telling me that I owe money on a transaction that was already paid in full and if I feel as if I dont owe, to contact XXXX XXXX I did just that, with XXXX telling me that all refunds and releases of bank authorizations have been completed and to contact the card issuer, which was Klarna. 

I even requested for the Klarna reps to do the simple math to learn that an error was occurring. Still, Klarna representatives keep telling me that I am the problem and that I have to pay {$42.00} plus a {$7.00} late fee for nonpayment. At this point, I want to sue because this is a perfect example of a deceptive practice Klarna is purposely participating in. I dont know whats going on with companies nowadays, but taking advantage of your customers is low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$26000.00}.

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 non-monetary relief
Consumer complaint received 2023-08-11
Company: AMERICAN INTERNET MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023, I applied for mortgage relief assistance with XXXX. On XX/XX/XXXX, approximately 80 days later, I received a notification of denial of funding. The reason given was that the mortgage servicer at that time, XXXX XXXX  XXXX XXXX XXXX claimed that my mortgage had been paid off. Nothing could have been further from the truth. My mortgage had actually been transferred in-house to AimLoan.com, their employer. 

XXXX 's misrepresentation of my account caused me to lose thousands of dollars in mortgage assistance. 

After several failed attempts to have my application reopened and sent to the correct servicing department, I was forced to reapply. On XX/XX/2023 I submitted a new application to XXXX. On XX/XX/XXXX, I was notified by XXXX  my application was complete and internal processes had been initiated. This included contacting my mortgage servicer, Aim Loan, for verification of the loan. As of today, 21 days, XXXX has not responded to XXXX 's request to confirm my loan information. Thus causing an unnecessary delay in the processing of my mortgage relief funds. Without this verification, my mortgage assistance application can not move forward. 

In the meantime, Aim Loan 's Loss Mitigation Department ( XXXX ) has begun deriving letters with false claims of speaking to me and agreeing to a new deferment plan. Aside from the fact I have not spoken to anyone from loss mitigation about crafting a new deferral, the amounts they are proposing are erroneous and do not accurately reflect the current delinquent balance in any way. There is also a reference to an existing past-due amount of {$6300.00}. with no explanation of how this figure was derived. 

The details of these errors and more are included in an email I sent to Loss Mitigation ( XXXX ). ( See attached. ) PS - It may be noteworthy to mention the letter I received from Loss Mitigation refers to the old Loan # ( XXXX ). The same account that had been reported to XXXX  as paid off. How can my old account have all these new balances and delinquencies? 

Everything should be pointing to the newly derived account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Credit Karma, LLC
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:
The FTC ruled that Credit Karma was to pay users for falsely telling us we we eligible for credit cards then not receiving credit card offer. I did not receive my part of the settlement. For they screwed the XXXX out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a disputed debt with Affirm. I have sent them poof from the seller that the items were returned and credited yet Affirm refuses to acknowledge that. Their calls, texts and emails were so frequent that I told the. To stop contacting me but they have continued. I paid over and over each month and they are refusing to refund the amounts that I am owed nor stop hassling me. Now they are threatening to turn the accounts over to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit 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:
The company responded to my original complaint stating that they had misapplied 3 payments from the following dates : the XX/XX/XXXXXXXX  payment- which was sent from my bank on XX/XX/XXXX, received by Comenity on XXXX, and cashed on XX/XX/XXXXXXXX  ; the XX/XX/XXXXXXXX  payment- which was sent from my bank on XX/XX/XXXX, received by Comenity on XXXX and cashed XX/XX/XXXX ; and the XX/XX/XXXXXXXX  payment which was sent on XXXX, received by Comenity on XXXX, and cashed on XX/XX/XXXX. I have been in dispute about these missing payments for the past several months which they failed to investigate or resolve until I contacted the CFPB to file a complaint. They have finally applied the payments, but they are still refusing to correct fees associated with their error or prove that my account should have been reported to the credit bureau. Now, I have received yet another letter from them stating that they have investigated my account and they did not find an error. So they are still trying to negate the issue, turning it back on me and ending the paper trail with me being in the wrong. There is absolutely no regard for the distress that their error has caused me, they are just trying to cover themselves.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: General Motors Financial Company, Inc.
State: LA
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:
Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 usc 1681i ( 5 ) i waited 30 days and received my investigation and notice everything was still the same.

the consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or removed anything. the date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

which is violation.this is impacting me from moving forward to a new apartment for my family. 

I attach my previous credit report and my new credit report to show how XXXX, transunion and XXXX violated my 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