BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: SC
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 XXXX  XXXX XXXX ( aka XXXX XXXX XXXX XXXX provided me with a letter on letterhead stating that the account was paid in full and closed XX/XX/XXXX. However, there is incorrect information on my credit report. I have disputed this information twice in XXXX and XXXX with the three credit agencies and it still shows up incorrect. It shows as '120 past due XX/XX/XXXX '.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX a payment of {$2000.00} was paid toward the {$1400.00} payment that was due as it has been month after month. This extra payment always has access that is placed toward principal. The bank put {$1600.00} of the payment I made toward interest. I called and asked this to be corrected and it still to this day hasnt been fixed. Ive asked for all future excess payments to be placed towards principal and they have stated they cant do that while taking a payment through their app or over the phone. The practices here are shady and unacceptable.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: NJ
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. The list account below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681 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 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which enter dates the report by more than seven years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Right before XXXX my debit card was used to make 13 charges for {$79.00} within seconds apart. I never authorized these charges and the bank gave me a provisional credit. Now they are saying after reviewing the documents that charges were authorized. Have threaed to take the money back. I have requested documents they say was used to prove it was authorised.

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 2022-02-05
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:
This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Experian has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with Experian. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b XXXX They have failed to block the accounts, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts removed from my report ASAP. Here are the names of the data furnishers & the account # 's - 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 2023-02-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My personal checking account was charged monthly fees for about 1.5 years at $ XXXX, incorrectly due to Chase Banker fraudulently converted my account without informing me any information about the fees, giving me wrong information about my personal account was linked to my business account, so my balance was never low and shouldnt be charged any fees. 

I used to be XXXX XXXX XXXX XXXX ( XXXX ) client at chase, with all of my accounts linked, I was never charged any monthly fees. One day my private banker XXXX XXXX XXXX ID XXXX from XXXX MI office called me to inform that I need to deposit almost $ XXXX to my account to keep the status. I told her that it doesnt make sense for me to do that. Over the phone, she said I will just convert your account to a regular account, give me the impression everything should be the same, no fees since all of my accounts are linked, and the minimum balance requirement is low. Without explaining anything, she rushed to hang up and converted my account to Premium checking, which I had been charged $ XXXX XXXX since XX/XX/XXXX to XX/XX/XXXX. I was wrongly charged almost {$400.00} fees and I barely used the account. 

I talked to Chase in person at two branches and over the phone multiple times over this issue. I was told my business account and personal were not linked at all, if they were, the fees could have also been avoided. However I was still never provided any information regarding my account fees nor made them transparent to me. The branches were able to refund some of the fees. As of today XX/XX/XXXX, I am still owe {$120.00} of the fees from XX/XX/XXXX to XX/XX/XXXX. I would also like to receive cost of my time and gas to handle this issue {$120.00} over at least 15 hours, plus 5 % interests of the total fees charged to me. This will be {$270.00} in total.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im a victim of identity theft theres 3 inquiries on my credit report that doesnt belong to me and for some reason its not being removed the company names are. XXXX, the next one is XXXX  XXXX and also XXXX XXXX. I have never requested any credit from those companies

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 2023-06-14
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My tenant put her rent payment in my PayPal because she ran out of checks. PayPal flagged my account and said it was a potential fraudulent transaction. They put a limitation on my account, in the same day I gave them the information they wanted and the limitation was removed. However, PayPal, without my knowledge, still reversed the bank deposit and almost caused me to bounce my mortgage payment as a result of taking back the {$4000.00} deposit. For days, no one at PayPal even knew they did that, finally they admitted they did, could not explain why, and said it was take AT LEAST 10 days to get my money back. Who can wait around for 10 days for their rightful {$4000.00}. I think PayPal does this all the time on large transactions to use those 10 days to make money by investment, interest, etc. on that money. If they do that to even 1 % of their customers they likely make millions and millions of dollars participating in this shady and deceptive activity that is thinly guised as a fraud protection to the consumer. This is very problematic, and very dangerous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Statebridge Company
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:
My name is XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Recently, I applied to refinance one of our properties and your name was listed with derogatory payment history. 
After calling your polite agent, she informed me that the account number XXXX was listed under my social security number ; last four digits XXXX with XXXX XXXX and XXXX XXXX as the account holders. I have a son XXXX but we live here in California. 
The address in question is XXXX XXXX XXXX in XXXXXXXX XXXX XXXX and the purchase price was {$580000.00}. I am notifying State Bridge of this fraud and would like to file a fraud case against this file, the people living at the address or anyone who was part of this transaction. I have never owned, applied or filed for a loan for that property or any property in New York or anywhere outside of California with State Bridge Company, LLC or any other company. 
What are my next steps? What are your procedures in handling this fraudulent account? I understand the loan was passed to XXXX XXXX in XXXX, so they are next on my list to contact. State Bridge, however, initiated the loan in XXXX of XXXX and so I am starting with that company as they are the responsible party of the initial fraud. I would like to know the loan officers name who authorized and approved the loan and what means of identification were used to obtain the loan? 
I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please contact as soon as possible as to your intentions. A police report has been filed in my city of XXXX, California. This has caused me hundreds of thousands of dollars in higher interest, insurance fees and denials of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: FL
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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 







Also the document upload on the portal is not working and it will not let me upload the supporting documents that I have. I have the fraud report that that i filed, my drivers license and my social security card to verify my identity. please email me with a link to a upload portal so that i can attach/upload the supporting documents that i have for this complaint. Thankyou.

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 2023-08-18
Company: EQUIFAX, INC.
State: AZ
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX XXXX XXXX Date of Inquiry : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
PLEASE DELETE THE ADRESS XXXX XXXX XXXX XXXX XXXX AND ANY OTHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
AND PLEASE DELETE ALL OLD NAME EXCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THANK YOU...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: CL Holdings LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This car company I never got a loan from, I never signed anything with this company and never even spoke to them. This company refuses to provide the original documents. I have no idea who they are and how they claim I have a car from them. I asked for the original paperwork and they refused to give me the original contract. I reported it to XXXX and we got nowhere.This is not fair and this is hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: EQUIFAX, INC.
State: NC
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:
Equifax is reporting incorrectly that I am 90 days past due on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice from XXXX that I have a collection account. I found that Southwest Credit Group has placed an account on my credit bureau. This account has been disputed with 2 other collection agencies and has been closed. But the creditor, XXXX XXXX, continues to place this account with other agencies. 

I am contacting you because I have been adversely affected by this credit reporting but SouthWest Credit Group has failed to notify me of this debt or their action to report this debt. I have received no notice or given the opportunity to dispute this debt. This is clearly a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
To whom this may concern, PayPal permanently closed my account because they said that I have violated their Acceptable Use Policy, specifically the sale of unapproved file sharing services and will not help me with getting it back up and going or even do anything about it on their end to make things clear and resolved. I am not sure if this is some mistake as I assume it has to be because I do not use nor do file sharing services. I have been doing business with Paypal for months and I'm not even doing anything wrong. No business is perfect and in times of chargeback or disputes, I give the full refund to the customer and make sure all cases are closed, so nothing wrong there. I have not been able to get help from them for months but I just remembered I could file a report here as I feel they are not doing their job properly and wouldn't even care to resolve things the right and just way and it is affecting me a great deal as I used PayPal daily for a long time now. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: NJ LENDERS CORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have requested that NJ Lenders identify who was paid from the XX/XX/2005 " refinancing '' for quite some time now and need this information ASAP because I am selling the house and certainly don't want to be paying the wrong party then sued by another party after the sale. 
I have been requesting that NJ Lenders identify who the payee was who deposited the {$130000.00} and send it back via the CFPB website. I has been established that XXXX XXXX XXXX XXXX was not the payee as NJ Lenders lead me to believe by sending me the mortgage stamped cancelled of record as proof of payment. I think it is only fair that NJ Lenders identify who the payee was who deposited the {$130000.00} that I have been paying back and in addition a lien was placed on my property as a result of the anonymous payee. I should be informed who the payee was who deposited the {$130000.00} loan since I have the responsibility of paying it back with interest and getting the lien removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I have attached a RELEASE OF LIABILITY for a XXXX XXXX XXXX that was in my name with Capital One Auto Finance on XX/XX/XXXX. On XX/XX/XXXX XXXX took over the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my position as a first-line worker due to a low census at my facility. I have a beautiful home with, with a wonderful dog. We all know its a terrible situation, and if someone can avoid me from losing our house Id appreciate it, so much.

Company response to consumer: Closed with explanation