BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX - XX/XX/XXXX ( I do have a credit card with them that was opened on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - ( XXXX XXXX has confirmed this is Fraud - This is not attached to my credit card opened on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - This company has confirmed this is a fraud account - but has yet to remove the inquiry.

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 2022-03-06
Company: JPMORGAN CHASE & CO.
State: CA
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:
JPMCB CARD made a hard inquiry to my XXXX credit report on XX/XX/22 and XX/XX/22. 

I have no relationship with, have not applied for any products from, and have not granted credit report authorization to Chase Bank. 

Calls to the bank on this matter went unanswered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX ,  XXXX  : Refinanced my mortgage with  XXXX   XXXX  Bank.    XXXX   XXXX ,  XXXX  : Received notice from   XXXX   that Nationstar would be my new mortgage servicer beginning  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  : Reached out to both  XXXX  and Nationstar to determine my account number and other necessary information to remit payment on time. Neither provided account number ; told to wait for welcome letter.    XXXX   XXXX ,  XXXX  : Spoke with  XXXX  at  Nationstar  to inquire about account number and not receiving a welcome letter to date.  XXXX  could not locate account in the Nationstar system. She said loan has not boarded yet.  XXXX  explained, Legally I had a  XXXX  window with no payment due. Told not be concerned ; just wait for welcome letter.    XXXX   XXXX ,  XXXX  : Spoke with  XXXX  at  Nationstar  to inquire again about account number and welcome letter.  XXXX  reiterated what  XXXX  had said ;  XXXX  window and wait for welcome letter.    XXXX   XXXX ,  XXXX  : Received welcome letter dated  XXXX   XXXX ,  XXXX  stating payment due on  XXXX   XXXX ,  XXXX .  XXXX  with  XXXX  at  Nationstar  who confirmed there would be no late fees associated with account due to the  XXXX  window and  XXXX  monthly grace period.    XXXX   XXXX ,  XXXX  : Nationstar received first payment for {$2300.00}. ( Please see attached bank report. )  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  : Nationstar has received monthly payments ( {$2300.00}  )  all within the  XXXX  grace period. ( Please see attached bank report. )  XXXX   XXXX  : ( Uncertain of exact day, I believe it was  XXXX   XXXX  and I am positive it was between the days of  XXXX   XXXX . ) Received certified letter dated  XXXX   XXXX ,  XXXX  stating that my account was delinquent and that I owed a past due amount of {$3300.00} due in full by  XXXX   XXXX ,  XXXX , or else foreclosure. ( Please see attached letter. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Owed : {$5200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Owed : {$5500.00} XXXX XXXX XXXX Owed : {$630.00} XXXX XXXX XXXX  Owed : {$200.00} XXXX XXXX XXXX Owed : {$390.00} XXXX XXXX XX/XX/XXXX  XXXXXXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXXXXXX  XXXX XX/XX/XXXX  XXXX XXXXXXXX  XXXX XXXXXXXX  XXXXXXXX XX/XX/XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX and XXXX XXXX is showing up on my credit report and I do not know anything about this. I would like it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: Bread Financial Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank has called my phone XXXX times within XXXX  days. There has been no voicemail to explain the repeated calls. 
On XXXX, there were XXXX calls. On XX/XX/12, there were XXXX calls. Other days, they averaged XXXX calls daily- again, without a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
i investigated Experian 's credit scoring statistics from consumer reported data bases, AI analysis, and from my own data and determined that Experian is scoring consumers credit worthiness using statuc algorithms prohibited by federal credit and discrimination laws. Experian is artificially keeping credit score lows of persons whose credit worthiness is not deserving of the low scores assigned, simulateously inflating scores of persons with higher risk based on prohibited factors. Experian 's actions injure and harm both the creditors relying on their assessment of true credit worthiness and the consumers. Experian also manipulates credit worthiness scores of consumers in order to up-sell credit products to consumers and also to obtain access to consumers ' bank accounts and credit transactions, which Experian sells to corporations, governments and other entities which compromise consumers identity, privacy without informed consent, circumventing other federal laws, including privacy laws. Experian is engaging in unfair and deceptive trade practices and scamming consumers. i have asked Experian to refund all monies collected from me, and to Cease and Decist manipulating my credit score.i have included an example : XX/XX/2023 score was XXXX. XX/XX/2023 score dropped to 691n and remained at 691. comparing these 2 reports, there is no justification for this drop compared to consumers with equivalent credit history as mine. Experian is manipulating my score in order to obtain payment for Experian products and to get me to sign up for Experian XXXX, which gives them access to my financial accounts.

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 2022-11-19
Company: National Credit Systems,Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent the credit bureaus letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) asking them to verify the debt on my reports. They have responded that the disputed accounts have been either updated or verified as correct. However, this is still incorrect, and inaccuracies remain on my report. 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 explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: FL
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 act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX of FL # XXXX, Account Name : XXXX 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 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 crime 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I paid Transunion for a credit report and they signed me up for their monthly billing plan. I never wanted to sign up for this service, but the website is extremely confusing and keeps trying to force you to purchase different products. I was able to cancel the monthly service plan, but I am still being charged for this month. 

I also paid for a credit report to submit to a landlord and the Transition site won't let me print my credit report or download a copy. What I paid for is useless because I can't send it to my potential landlord. Their website is a complete scam. 

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 monetary relief
Consumer complaint received 2023-02-21
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was working in XXXX Florida from XX/XX/2023. I traveled from XXXX Airport, through XXXX XXXX Airport , and then to XXXX on XX/XX/2023. 
On XX/XX/2023, I received a text notification from XXXX XXXX that a charge was made to XXXX XXXX XXXX XXXX XXXX Florida for {$2700.00} and another one for {$300.00}. I got on the XXXX app on my phone and saw the fraudulent charges, which I disputed both at that time and requested the credit card locked and to have a new one sent to my home address. I let them know it was not myself or anyone else in my family and that my credit card was in my possession so somehow the scammer had my credit card number. 
I then, from the XXXX App, reset my password and was sent a message through the app that the new password had met their requirements. However, I noticed they misspelled the word and by putting " requirments '', leaving out the " e ''. I contacted XXXX XXXX XXXX XXXX on the phone number on the App, and when the person answered, with very broken English and a lot of noise in the background, and requested my SS #, I hung up. I then looked at the back of my credit card and called that number for the Fraud department. The text I had received earlier about the 2 charges was indeed XXXX, however, the scammer somehow got into the App, and I did report this to XXXX. Also, the following day I received another text, from the exact same number from XXXX that another {$5000.00} had been charged, but when I called XXXX, they stated that wasn't true, but the scammer had gotten their text number. Then on XX/XX/XXXX, I noticed 2 charges on our Health Savings account card for {$610.00} and another for {$120.00}. We notified that company, and they opened a fraud report. Then on XX/XX/2023, I noticed 8 drafts on my checking account that totaled, {$3100.00}. I contacted my bank right away and they canceled my debit card and issued a new one. I went to my bank the next day and disputed each charge. The drafts were to the following on my checking account at Arvest Bank, XXXX XXXX XXXX XXXX {$50.00}, XXXX XXXX {$7.00} and {$14.00} XXXX XXXX {$240.00} XXXX XXXX XXXXXXXX {$44.00}, {$1000.00}, and {$1700.00} XXXX XXXX XXXX {$36.00} With all the fraudulent charges, I was in possession of my credit card, HSA Medical savings card, and my bank card, so I am not sure how they got into these accounts. 
I was staying and working with a new hotel, and I think someone could have gone into my room and taken pictures of the cards in my purse that was left in the room during my work hours but hidden. I did notify the hotel and they stated they would have the locks read, however, they have not received a response from their lock company.

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 2023-07-07
Company: MIDFIRST BANK
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rather than paying my mortgage once a month, I'm attempting to pay a partial payment every two weeks. With this process, every monthly payment would be paid in full and on time. This process benefits me in that by the end of a year, I'll have paid one extra payment, paying down my loan faster. It additionally decreases interest faster. 

The company, Midland Mortgage, however will not allow me to make partial payments via phone or their website. They only allow me to mail a payment ( no one uses checks anymore ) and even then it will be put in an 'unapplied funds ' account, therefore eliminating the benefits to me listed above. 

Making this process difficult benefits them and hinders me, the customer, from getting ahead financially.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: GA
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 of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX 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 ( 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 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 2022-11-19
Company: EQUIFAX, INC.
State: AL
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:
You failed to respond to my dispute letter and you failed to verify that these account belong to me before the end of the 30-day period beginning on the date that you received my dispute letter. Under 15 U.S.C. 1681i, of the FCRA all unverified account must be promptly deleted from my credit file. The file listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately. 

You are also required to send me a copy of my credit file showing that these items have been removed.. Please provide me with a copy of an updated and corrected credit report showing these item is removed. 
account name account number National credit systems XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May 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 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-02-15
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a cobranded Citi-American Airlines `` MileUp '' credit card account in XXXX XXXX. The sole purpose of opening this account was to earn Loyalty Points towards status with XXXX XXXX. I have used this card regularly since then. The card earns 1 AA Loyalty Point for each {$1.00} in purchases. 
On XX/XX/XXXX, I made a large purchase ( {$4000.00} ) in order to earn 4080 Loyalty Points. In all of my previous months of having the card ( 3 billing cycles ), the statements closed on the 9th or 10th of the month. In XX/XX/XXXX, the statement closed on the 10th. When I made my purchase on XX/XX/XXXX, I was expecting the purchase would appear on my XXXX statement, which was not yet closed. And indeed, the purchase shows as occurring on XX/XX/XXXX at XXXX XXXX ET. But for some reason the posting date is XX/XX/XXXX. When I made the purchase, I thought the statement closing date would be XX/XX/XXXX, but it in fact closed on XX/XX/XXXX. Instead, the purchase appears on my current statement, closing XX/XX/XXXX or XXXX. 
This is a problem because XXXX XXXX requires me to earn the Loyalty Points by XX/XX/XXXX in order to re-qualify for my status. The only reason I made this large purchase on this card ( as opposed to paying cash or using a different card ) was to earn the Loyalty Points. And I had every reason to believe, based on past transactions, that the points would be credited to my statement that was open at the time the transaction took place. 
Today I spoke several times with Citibank customer service, including a supervisor, and they told me there is nothing they can do. I also spoke with XXXX XXXX, and they told me this is a problem only Citibank can fix. I know this is not true. If XXXX wants to credit the Loyalty Points retroactively, it can. If Citibank wants to credit miles / Loyalty Points to my account, it can. 
I now understand that there is a systems issue here that prevents purchases that happen on the closing date from counting towards that month 's statement. But I don't think I should be penalized for the reasonable understanding I had before this happened. I hope Citi or XXXX XXXX will make this right. 
I am a loyal custom of both Citibank ( with several credit cards and a savings account ) and XXXX XXXX. My family and I go out of our way to fly XXXX even when other airlines are cheaper or more convenient, and I hope they will show their appreciation for our loyalty.

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