BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: PA
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. I am a victim of Identity theft. This account is fraud. I sent Experian and XXXX the FTC report and my State ID certified mail.

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I Sent a letter off on XX/XX/2022. Here are my tracking numbers # XXXX # XXXX # XXXX To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802. No Financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer 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
Consumer complaint received 2023-10-29
Company: JPMORGAN CHASE & CO.
State: NM
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:
On XXXX XXXXXXXX  there was a charge to my XXXX Chase Visa card. When I received my statement mid XXXX, I did not recognize the charge and immediately notified Chase. They determined it was fraud and requested a refund from XXXX. In the meantime, I realized the charge of {$5800.00} was for concert tickets. I then called Chase back to tell them it wasn't fraud and that the charge was legit. They said they would repay the amount to the venue. I called the venue at which time they informed me that since they had already sent back the funds on XX/XX/XXXX  the seats were no longer available. I no longer had tickets. At this time I have followed every instruction given me by Chase to remove the charge from my account. They are refusing. I reached out to XXXX to make sure that they do not have the funds and they have assured me that they do not. I m being charged {$5800.00} for a product not received nor did Chase pay it. 
XXXX Transaction ID XXXX XXXX  Phone # XXXX My Chase Visa # before fraud was suspected XXXX Chase Card # now XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2023-06-01
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On or around XX/XX/2023, I called cmg mortgage to discuss an escrow analysis that concluded I owed a 10 % increase each month to cover an escrow deficit. 

I explained that I had received an " overage '' check for excess funds in my escrow account some months earlier and this appeared to be the reason for the deficit. I further explained that the company who is responsible for servicing a mortgage should not send me excess escrow funds if indeed they are not excess funds and will create a deficit in my escrow account. 

XXXX, the supervisor on the call, agreed this is likely what happened and apologized. He proposed my making a short payment in the original mortgage payment amount until they could officially investigate. I did this for XXXX XXXX through XX/XX/2023. I called the company to make my XX/XX/2023 mortgage payment and received resistance from the customer service representative. She told me that a supervisor would need to call my back by the end of that day. On XX/XX/ I called again to pay the mortgage. After 45 minutes on the phone I was transferred to XXXX whom informed me that he had talked talked to XXXX, the original supervisor and XXXX would call me back. He never did. I am unable to pay even the incorrect amount because the site won't take online payments and there is no automated phone payment system. I am concerned that I will be reported late on my credit and they will not own up to their servicing error. Please help. Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: VA
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: NCB Management Services Inc.
State: NJ
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:
I am writing this personal statement to report a case of identity theft regarding recent inquiries, Loans and unauthorized transactions made on my behalf. I have only recently discovered this information through a credit repair company, which I sought assistance from while applying for a XXXX XXXX membership. I want to make it clear that these inquiries, Loans and unauthorized transactions were not made by me, and I believe that my personal information has been compromised. It is of utmost importance to address this matter promptly, as it not only affects my credit history but also raises concerns about potential fraudulent activity. I kindly request your immediate attention and support in resolving this issue and safeguarding my personal and financial well-being. 
companies involved ; XXXX XXXX for {$470.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$200.00} NCB management Services XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$720.00} Two hard Inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXXI

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: PA
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:
Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: MS
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 and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed 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 2023-09-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO : CARECREDIT ACCOUNT : XXXX  I am writing to request that the interest charges on my credit card account be waived. I have been a loyal customer of your company for many years, and I have always made my payments on time. However, due to unforeseen circumstances, I was unable to make my full payment last month. 

XX/XX/XXXX INTEREST CHARGE ON PURHCASES {$2600.00} I understand that interest charges are a normal part of having a credit card, but I am hoping that you will make an exception in my case. I am committed to making all my future payments on time, and I am confident that I will be able to pay off my balance in full within the next few months. 

This charge was for nearly over half my original balance. 

I appreciate your consideration of my request. 

XXXX XXXX XXXX : XXXX STATEMENT SHOWING INTEREST CHARGES

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 2022-05-15
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Went to car dealerships to purchase a vehicle but was denied by all three dealers. and all three pulled hard inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2022-12-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Ive paid off a collections account ( XXXX XXXX XXXX ) via TRANS UNION XX/XX/2022. Ive submitted proof to TRANS UNION proving Ive paid the balance, and attempted to send proof to XXXX XXXX XXXX, however each time I was unsuccessful reaching that company. in Conclusion, Despite the Proof and Multiple Phone conversations with TRANS UNION, thats been recorded on their end promising me to remove the account, the account to this day remains, affecting my Credit Score poorly, preventing me from buying a house for my family and I.

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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS IM HAVE STATED MANY TIMES ME AND MY SON HAVE THE SAME NAME THEY MAY HAVE MISTAKENLY USED MY NAME INSTEAD OF HIS WHICH THIS MESS HAS MESSED UP MY GOOD NAME

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 2022-03-09
Company: WELLS FARGO & COMPANY
State: NC
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: Information is incorrect

Complaint:
In XXXX of 2021 I reviewed my consumer report and noticed that there was information being furnished to agencies that was both inaccurate as well as damaging. I launched an initial independent investigation into several accounts listed from Wells Fargo XXXXXXXX XXXX, and XXXX and I noticed that not only were these companies furnishing inaccurate information, they were also in violation of a number of my consumer rights. I immediately notified these companies of the issues and violations and provided instructions for them to cure. They failed to do so and I was then inclined to seek resolution from the various credit reporting agencies including XXXX XXXX and XXXX in order to have these erroneous accounts removed from my consumer reports. These attempts failed and I tried again on 2 other occasions to correct theses issues. I am attaching proof of the most recent correspondence with the companies and agencies to exhibit my attempts at communicating. The letters I attached were notorized before being forwarded to the 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 2023-06-01
Company: The CBE Group, Inc.
State: VA
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:
I never had a contract with XXXX XXXX XXXX have been furnish inaccurately once before. And was removed. 
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.

Delete this accounts immediately, unless you want to be held {$1000.00} per violation A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to do a temporary lift on my credit freeze with Experian and was unable to complete my request online. When I tried to contact their customer service no matter what option I selected it brought me to a pre-recorded message and then disconnected the call. I could not get to a live person. There is no online chat option. There is no online contact form. There is no way for consumers to get in contact with a representative of this company which is ridiculous for a credit bureau. A credit freeze needs to be managed in real time and they do not provide this. Frankly, I'm not sure how they are even allowed to be a credit bureau.

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 2018-10-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Re : Bluebird account ending in XXXX I had an American Express Bluebird account to provide my minor child with a debit card she could use in case of emergencies. 

In XXXX of this year, my regular bank account experienced fraud and a payment to Bluebird was returned. Bluebird immediately closed my account. I really didnt mind because the account was only to fund my daughters card, but I am having the worst time getting the small balances refunded. The Bluebird phone representatives are poorly trained and everyone states something different.

The most recent person I spoke with ( XXXX, Employee # XXXX ) stated that I had to write American express to receive the refund for my daughters sub-account ( XXXX XXXX ). This is after I was already able to receive a refund for my account by making a phone call. After making several unfruitful calls to American Express for less than {$30.00}, it seemed time to escalate this. 

In addition, I received a check from American Express for {$4.00}. However, when I deposited it, it was dishonored by American Express, incurring a {$5.00} fee for a returned deposit. 

All I want to is recoup the XXXX + {$5.00}, plus the approximately {$25.00} in my daughter 's account and be done with American Express. Geez.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
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: 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 these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XXXX EXPERIAN 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 2023-06-01
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
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:
I am writing this personal statement to report a case of identity theft regarding recent inquiries, Loans and unauthorized transactions made on my behalf. I have only recently discovered this information through a credit repair company, which I sought assistance from while applying for a XXXX XXXX membership. I want to make it clear that these inquiries, Loans and unauthorized transactions were not made by me, and I believe that my personal information has been compromised. It is of utmost importance to address this matter promptly, as it not only affects my credit history but also raises concerns about potential fraudulent activity. I kindly request your immediate attention and support in resolving this issue and safeguarding my personal and financial well-being. 
companies involved ; XXXX XXXXXXXX for {$470.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXXSANTANDER XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$720.00} Two hard Inquiries by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation