BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. The inquiry was not authorized XXXX, XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

7. The status is incorrect for the following account XXXX  Account Number : XXXX Please supply information on how you have verified this item. 

8. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

9. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

10. The following account is not mine XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
We requested credit investigations almost two months ago, and so far, Experian has not sent us any response.

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 2020-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$450.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1.  XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account.

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 2020-10-04
Company: WELLS FARGO & COMPANY
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:
Dispute Number : XXXX Date Posted : XX/XX/2020 Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Closed - Dispute Declined We have closed your dispute Dispute Number : XXXX Date Posted : XX/XX/2020 Merchant Name : XXXX XXXX XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Closed - Dispute Declined Sincerely, XXXX XXXX Wells Fargo Claims Assistance Center XXXX Well Fargo XXXX XXXX credit card ) Yes I got this letter from XXXX saying that I never upload any paper work or document to help supporting documents? but there was never anything mention as to how I can, so i find that to bugging..Also, I have been working 2 jobs just to help out my family since most of them are laid off and i don't want to provide too much information about my personal family, just realized when you guys call me monday through saturday i'm mostly working and i won't have a phone with me due to 2 jobs unless you guys want to pay me ... .i 'm only off on sunday ... i'm already stress out and i'm sure you guys know the world is in danger. I never accepted or gotten anything from XXXX so i'm not sure what is going on ... i'm gon na upload the document here and file my complaint since things seem unfair, i can't even get in contact with XXXX and i don't know what they claim with me accepting any items from them that i never gotten!

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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I requested a copy of all three credit reports via XXXX and I noticed that my Trans Union Credit report as well a my XXXX credit report had identical Collection Account from : XXXX XXXX XXXX. Both credit agencies reported This account status as OPEN and showed a PAST DUE BALANCE of {$1200.00}. This is violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. 

According to the Fair credit reporting Act I have the right to a completely accurate credit report, and they are required to remove any information that is not true, verifiable, and accurate. 

I IMMEDIATELY called and sent notarized letters demanding remove this account from my credit report, and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 

XXXX completed this process and scheduled the removal to be reflected as of XX/XX/2022. Trans Union ignored my request and instead reached out to XXXX XXXX XXXX and informed them to change the status of the account from OPEN and to remove the PAST DUE balance so they could keep this. item on my report. By the next round of monthly reporting Trans Union updated the account type to COLLECTION and removed PAST DUE and replaced it with UNPAID. They noted in my credit profile that account information disputed by consumer, meets FCRA requirements. This of course was not true this Account had been reported inaccurately for the last 4 year on my Trans Union credit report which affected me negatively.

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 2016-02-22
Company: Thrift Investment Corp.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I called Thift Investment Corp on Friday XXXX XXXX in an attempt to payoff my car loan. XXXX was the representative I was speaking to was XXXX. XXXX advised that my XXXX pay off would be {$5000.00}. I asked how that was possible when I am paying the car off an entire year early. XXXX was having problems reviewing my account history and said he was getting his supervisor 's assistance. He then said that I was being charged more because my account was over almost XXXX ovedue each month so I was being charged " per diem '' interest. I told him I did n't understand. Here are my calculations. The original loan total would have been {$14000.00} we made 25 payments of $ XXXX {$9500.00}. $ XXXX {$14000.00}. Why would we be only saving {$280.00} in interest if we are paying the car off 14 months early. The balance of {$5300.00} minus the 18.95 % APR should yield a savings of {$1000.00}. Where is this additional {$720.00} coming from? I asked XXXX if we didnt pay the car off and paid till the end would we get charged more at the end. He did n't respond but became belligerent I reminded XXXX that I am a customer and his response " no you are n't you are a debtor. '' I then asked for a supervisor XXXX 's response " You are going to get it far worse now you just wait. '' I am very concerned about this threat because not only does this individual have my personal financial info but also my address. I do not take threats lightly I am putting this in writing as proof that I am very concerned about my financial and personal safety since I was issued this threat by XXXX. When I spoke to the supervisor he was not apologetic at all, only saying he is sorry that I felt threatened. I attempted to review the account again with him but was way too shaken up to continue. My account balance online even shows {$4900.00}. The supervisor advised that that information was not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: BANK OF THE WEST
State: OK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
In XX/XX/XXXX, I went to the Bank of the West XXXX to secure a business loan for opening a new private practice. Although my practice was already open and I had some money XXXX, the bank said it was n't enough and needed personal collateral to secure the loan. This was an interest only loan, and a revolving account attached to my employee LLC ID and not my SS #. After a couple of years I started paying back more than just interest. In XX/XX/XXXX I got a job offer with the government that was too good to be true, so I closed my practice and moved. I also closed the bank account that had autodebit for payment on this loan and contacted XXXX XXXX on several occassions to get the auto debit linked to another account. He never returned my calls and they continued trying to pull money from a closed account for the next 90 days which caused additional fees for overdrafts, past due payments, and credit problems. I started paying them by check because they would not allow me to pay more than the interest if I set up autodebit again. Over the last two years, I have paid about {$50000.00} on the {$77000.00} balance. The property tied to this loan is worth {$99000.00} according to XXXX XXXX tax dept. I called the other day to see if the revolving account could still be used because I no longer had checks to that account. They asked how much I had in mind. I said around {$12000.00}. XXXX XXXX and someone named XXXX said they would check. XXXX called me back and said that because I did n't pay any principle on the loan in the beginning, I no longer had the revolving status and they were not willing to work with me. Today, I received documents in the mail stating that they had pulled my credit report ( WITHOUT MY PERMISSION ) and said my credit score was too low according to XXXX. This is rediculous because I 'm currently XXXX getting a home loan and if they would have asked for a personal credit report I would have told them NO because that could mess up my credit rating. I called XXXX. He said he had notes from XXXX saying I wanted to apply for a new loan of {$12000.00} and that is why they pulled my credit report. I told him I did n't care what the notes said I NEVER gave anyone permission to pull that report nor did I apply for a loan. I already had a loan. I merely inquired as to whether I could still use it as a revolving account since they still had a lein on my property. In addition, I asked him when they changed the terms of the original loan agreement because I was n't informed of those changes and XXXX could not answer me. These practices should be illegal. I have had nothing but problems from this bank and I wish for you to investigate their practices. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Lendmark Financial Services
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 is 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. 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 615 ( 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 this company 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, its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We obtained mortage from Bank of the West on a business property that my wife uses as her business in XXXX of 2013. We have paid as agreed, however my wife has been XXXX, and can no longer conduct her business. We have decided we need to sell the property, but the bank will of course accelerate the loan and will trigger the due on sale clause. At this stage they also want to charge me a prepayment penalty. We can not afford to sell the building and pay approx {$18000.00} in a prepayment penalty. Kind of like a Catch 22 situation. 
We would like the bank to take these other factors into account. 

WE HAVE PAID FAITHFULLY AND UP UNTIL THIS POINT I HAVE TOLD ANYONE WHO WILL LISTEN THAT I THOUGHT THE BANK WAS GREAT TO DO BUSINESS WITH. I BELIEVE I AM RESPONSIBLE FOR AT LEAST XXXX OTHER PARTIES USING THEIR SERVICES. 
I WOULD LIKE TO REMAIN ON A GOOD FOOTING WITH THEM, AS I HAVE OTHER BUSINESS WITH THEM. HOWEVER I FEEL THE ENFORCING BOTH THE DUE ON SALE AND THE PREPAYMENT PENALTY IS WRONG.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Early Warning Services, LLC
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Early warning is reporting inaccurate information to banks that is preventing me from opening a checking account. I have tried to dispute this inaccurate reporting and have not receive any type of correspondence from EWS. This information is from XXXX fraudulently and vindictively closing my account. EWS has now participated along with sun trust Bank by damaging my banking history, causing me embarrassment, and causing me to now have pay extra money to cash my checks, get money, or pay wire fees because I can not open an account. EWS fail to investigate the validity of XXXX reporting the false and defaming information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was charged an annual fee on my Citi Credit Card without anoticd and was offered a refund, but then they would close my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I am writing for assistance with my bank account with BBVA account. On Saturday the XXXX XXXX, 2020 I deposited a check in the amount of {$540.00}. After I made the deposit, I saw only {$41.00} posted to my bank account after reviewing my online account. This deposit was to help me pay my rent. As of today the correct amount is still not posted to my account, causing me to be late in my monthly rent. On top of this I am being charged late fees and issued eviction notices to appear in court, because I cant pay my rent, so far totaling {$200.00} in late fees. This error is a BBVA bank matter and they should assist me by helping with the late fees. I have contacted the bank and am being told it could take 5 to 7 business days to make the adjustment of the missing {$500.00} back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The following statement cites the correspondence provided between the client an d Navient Solutions , Inc.,  as last reported as of   XXXX   XXXX   XXXX  . The issues that will be addressed are in regards to the frequency of communication from Navient  Solu  tions , Inc. , in which an insufficient amount of time has been provided to the client in order to compose timely responses  ( n ote : Refer to attached documentation for specified timeline ).   Other issues involve the methods of contact which Navient  Solutions , Inc.  has claimed to have carried out in order to reach the client, yet has not been validated by the client or proven  externally ( note : Refer to Litigation Review, as provided by Navient Solutions   , I  nc.  on   XXXX   XXXX   XXXX    ).    The last correspondence provided by the client is dated as of   XXXX   XXXX   XXXX  , in reference to the former documentation provided by  Navient Solutions , Inc. (  note : Dated as of   XXXX   XXXX   XXXX   ).   As the clients preference has been listed as their mailing address, insufficient information and assistance has been provided by  Navient Solutions , Inc. in  an effort for both parties to communicate efficiently and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: Other

Complaint:
My Barclaycard account was closed, but went to collections. The collections company DID NOT place the account on my credit report, because I settled it in full right away. However, Barclaycard refuses to update my credit report to say that it was settled in full. Even after I disputed it, they have it marked as a charge-off. I need this to be updated, as I am trying to fix my credit.

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 2016-09-08
Company: CIT BANK, NATIONAL ASSOCIATION
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX, we purchased a boat from XXXX n/k/a XXXX Boats in XXXX, XXXX. The boat was financed by CIT Group/Sales Financing, XXXX XXXX, XXXX Our loan was serviced by XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, we received a letter from XXXX XXXX confirming our loan had been paid in full. To date, we have not received the clear title to our boat. I have contacted CIT Group, XXXX XXXX and was told neither now services our loan. In XXXX XXXX, XXXX XXXX was acquired by XXXX XXXX. I now wish to sell the boat ; however, all three entities have told me they do n't know anything about my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: EQUIFAX, INC.
State: CA
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:
After reviewing my credit report there are accounts listed that don't belong to me, I wrote these companies twice, this will be my third time writing them about these fraudulent accounts that are harming my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid 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:
I received a promotional offer for a XXXX XXXX through my Care credit card on XX/XX/XXXX. I purchase the treadmill through this offer on XX/XX/XXXX. I never received a confirmation or anything from XXXX confirming the order. In XXXX I received a called from the shipping company to deliver the treadmill. I received the treadmill on or about the end of XXXX of XXXX. The treadmill was assembled properly but the handheld speed and incline did not work. I called XXXX numerous time but was left on hold for more than an hour so I decided to send emails and just got auto-replies with no call back. I decided to call care credit to get this issue resolved on XX/XX/XXXX. Care Credit sent me the decision about 3 weeks later advising it's under warranty and to call the merchant. I tried the merchant again. I just got the same thing, left on hold and not responding to emails. I called Care Credit again on XX/XX/XXXX to advise I can not get in contact with the merchant so they put the transaction back in dispute again. Care Credit again sent the same response to get in touch with the merchant. I'm unable to get in touch with the merchant to get this issued resolved and Care Credit is not really helping me to resolve the issue.

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