BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
All of my personal info was put at risk in XXXX  ,XXXX  when the entire system was hacked. I haven't been able to access or open a bank account anywhere sense.

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 2021-05-17
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 I wired a mortgage payoff ( {$160000.00} ) to Freedom Mort. Corp 's bank in XXXX, OH. ( XXXX ). My bank ( XXXX ) verified the wire transfer on this day. Monday, XX/XX/2021, the {$160000.00} previously wired, was returned to my bank acct. 
I have pay-off documentation that provided the bank acct. at XXXX to wire funds to. 

Customer service staff at Freedom Mort. can not tell me why the money was returned and it's already XX/XX/2021. It is costing me interest of this mortgage note every day they delay and do not respond. Can someone or some organization help me?

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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company is reporting inaccurate information to the credit bureaus and I would like this addressed immediately. This issue is causing significant issues in my life. Please help me.

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 2023-04-27
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
On XX/XX/2023, I applied for the American Express XXXX card and I was approved. There was a pre-approval process in which a soft inquiry was conducted an a hard inquiry would only occur if I accepted the offer, which I did. I then saw that I could apply for a second card with additional benefits ( The Blue Cash Preferred ) and when I went to apply, I didn't see any notice or statement that said there would be a second hard inquiry so I was under the impression that since it was the same day and same bank, there wouldn't be another inquiry. However, I accepted the second card, and another inquiry was added to my XXXX and XXXX credit reports. I called customer service and spoke with XXXX who said he would transfer me to the credit bureau team who would explain how to go about removing the second inquiry. From that point on, I was transferred five times and each person I talked to said they weren't the right team. Finally, I spoke with XXXX XXXX in XXXX XXXX, Texas who placed me on hold a few times to speak with the team that would handle the matter. She told me they couldn't do anything because each application comes with a hard inquiry but I explained that I did not see a notice and disclosure that stated any application or subsequent application after the original credit application would result in a hard inquiry. XXXX XXXX told me she was creating an internal case but we got disconnected. Before we got disconnected, I explained to her that under the FCRA, permissible purpose requires expressed consent on my behalf for any credit reporting agency to furnish my report to any person. I don't know the status of the internal case at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: MS
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:
Hello, I received a letter from XXXX XXXX stating they deleted the bankruptcy that was showing on my credit report off because they couldnt verify the account so it was deleted! I called & spoke with a CSR to let them know what was going on but I was getting attitude & saying what they couldnt r not gone do! Its very unprofessional & rude to customers who is trying to resolve a problem!

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}.

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 2023-07-26
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Credit Reporting Agency, Please provide evidence that XXXX XXXX XXXX account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.

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 2023-04-27
Company: Imperial Recovery Consultants, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
First and foremost, I checked no to fixing this debt because I do not know what debt this apparently is. 

Secondly- a lady called my father today XX/XX/2023 telling him because he is my father he has to give her my information and because he's not shes going to send the detectives and have me arrested. 

Thirdly- someone called my husband from an XXXX number and it was a recording saying that I missed a delivery and they need my contact information for delivery. 

My father/mother 's information is XXXX, XXXX and XXXX My husbands number is XXXX I have never received any calls no nothing. No calls, emails, no letters and or bills in the mail. 

The company was XXXX and the number was XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - XXXX in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX & XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this 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 non-monetary relief
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX 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 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 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 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 2023-07-03
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
At least 3 financial institutions are using a ( new? ) system that asks 3 multiple choice questions that aim to authenticate the caller 's identity. At least one area of my information in the system 's data is incorrect, since a correct response on my part fails authentication. The first institution J.P. Morgan Chase offered no fall-back authentication process, so my account was frozen for 48 hours until I was able to reach someone high enough. Moreover, they will not tell me the name of the system they are using, so I can not even go directly to the data company to get the error fixed or to see the data they are storing in case it is completely wrong. Please help -- I'm straightjacketed from doing my fund management. As a second instance XXXX XXXX ( XXXX MD ) required the same questions as did Chase as part of my creating a CD account. My truthful answers again caused me to fail the authentication so I was not able to create the CD. I will be contacting XXXX in the morning. Finally, a friend reports that the system is also used by XXXX investment. Fortunately, she had no problem, because she desperately needed her money immediately. Doesn't the Freedom of Information Act mandate that the data company has to show me the data they have stored for me, so I can correct any errors?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I made 2 transfers that involved my other bank accounts without any issue, and 1 on XXXX XX/XX/2023, shortly afterwards I received an email saying that they put my account on hold and that I'm supposed to call them and so i did. I explain to 4 different people in Fifth Third of what is going on, they said that they use a 3rd party application for these transfers and it was not able to provide that I am the owner of those bank accounts, i told them i am the owner and i can provide them with the account statements. However, they do not accept account statements being emailed or send electronically, they want me to come to a branch and show it to them. I asked them where is the nearest branch to where i live and they told me it is 9 hours and 56 minutes away, i ask them is it reasonable to ask me to drive or fly all the way there just to show account statements, i also asked if they will reimburse my travel expenses if i do and they said no. 
They blamed me because i moved away from their branch, I guess that they dont realize people do not always live in the states where they opened their account or that moving out of state is a foreign concept to them. Eventually, they gave me 2 choices which are close the account or drive 9 hours and 56 minutes just to show them account statements that can be send electronically. I told them you can close the account but the funds that i have in the account can either be send in a check after 30 days or i can withdraw it through their partner ATM which there is a fee to that. I dont understand why they need to keep XXXX of my money for 30 days if they choose to close the account today. 

In 2023 where any other bank accounts including IRS accepts electronic documents, apparently Fifth Third does not. In addition, i also would like to add that i have shown every good faith that i have, yet Fifth Third treats their 3 year long customer like a criminal and at the same time they dont want to provide a reasonable way for me to provide the account statements and they keep my money XXXX for additional 30 days, just to let you know, Fifth Third also withdrew my money from my other account then put the hold on my account, which if you think about it is highly unethical. Moreover, the total amount of money after the transfer is a little over {$4000.00}. 

For the customers, I hope you read my case with Fifth Third and think twice before opening an account with them, and as for CFPB I hope you view how unethical they operate and make an example of banks who hold their customers money XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved out of my apartment in XXXX of 2022 and in my complex had to use XXXX XXXX. Their claiming that I had not returned the modem and router that was sent to me and have sent me to collections. I returned the modem and router to the XXXX  store on XXXX XXXX XXXX in XXXX XXXX and have since moved into a new place. 

I have been trying to raise my credit score and this kicked me down from a XXXX to a XXXX and personally that is unacceptable. I have not received a phone call, letter or any kind of communication in regards to the " missing '' modem and router and now am having to argue with I.C. Systems. 

XX/XX/XXXX : Debt went into collections

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 2023-06-10
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I did a loan modification with PHH Mortgage company. I handled everything with the banks attorneys and the referee basically and our judge XXXX in XXXX XXXX. The modification closed and then PHH Mortgage added over $ 6000in fees over 30 days later. I later learned that they also reported late payments from more than 5 years ago on my credit report. Between the undisclosed fees that were tacked on after closing and the late reporting of 2 late payments /5 years later PHH mortgage company destroyed my credit. My credit dropped over 130 points and I havent recovered yet. I cant buy a free ice cream cone, my credit is destroyed! PHH mortgage says they can do anything they want and add fees to any mortgage they choose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Monterey Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I reviewed my credit report and discovered that this company has reported that I owe for a debt that was discharged. My Attorney XXXX XXXX XXXX XXXX XXXX, had this debt discharged releasing me from any financial obligation of this debt. The original creditor was aware of this prior to sending this to collections. This was clearly a retaliatory act to defame my good name and injure me financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: BARCLAYS BANK DELAWARE
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX of I was flying home from XXXX Florida to XXXX Maine with Frontier Airlines. During the flight they offered that if you opened a Frontier credit card you would get XXXXbonus miles if you used the card within 30 days with any purchase. NO Dollar amount was set, they said you could get a pack of gum. Then if you spent XXXX  in 6 months you could get XXXX  bonus points. They also said they would wave the annual fee for the first year. I opened the account and have flown with them twice since but the flights were cheap so I paid. I am ready to take another flight and was going to use my points. They show nowhere so I called Barclays they said I would have to call Frontier. I have been going back and forth with them with no resolve. I know what the issue is. 
Barclay is using acct number XXXX and frontier has an acct XXXX. I can not get them to understand that is what happened. all I want is the XXXX  miles I am owed applied to whatever account it needs to to work.

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 2020-11-05
Company: JPMORGAN CHASE & CO.
State: IN
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation