BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: WI
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:
Enclosed is what XXXX last reported as balance to bureaus XXXX ... And I also enclosed what is my correct balance owed XXXX I've called XXXX  and they won't update balance. I filed a dispute with all three bureaus but XXXX  claims my balance is 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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Enclosed is what XXXX last reported as balance to bureaus XXXX ... And I also enclosed what is my correct balance owed XXXX I've called XXXX and they won't update balance. I filed a dispute with all three bureaus but XXXX claims my balance is 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 2022-12-05
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 Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 vears.

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 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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 
The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not minded accounts. No knowledge account. 



DEPT OF ED / XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXXXXXX XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXXXXXX XXXX XXXX  ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXXXXXX XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.

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 2020-05-30
Company: Netspend Corporation
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX XXXX account is locked and unable to add or withdraw money. Customer service is unable to assist with this issue. I have talked to many managers since Tuesday XX/XX/2020. When calling the support number in the mobile wallet app, it connects you to NETSPEND. NETSPEND is not familiar with the XXXX XXXX XXXX account or mobile wallet. 
When you call XXXX they will tell you they can only help with there physical products like tvs and phones.

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 2023-12-08
Company: EQUIFAX, INC.
State: TX
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XXXX XXXX XXXX Bank of America keep say Say im fraud some has used old accounts I cant get access to my number XXXX XXXX my account number XXXX I want make report my stay as it because someone keep Change it

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 2021-08-23
Company: National Credit Systems,Inc.
State: DE
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 BUreaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: JPMORGAN CHASE & CO.
State: OR
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:
On XX/XX/XXXX I purchase two round-trip tickets to XXXX, XXXX from XXXX, WA. I made the purchase using my Chase credit card. The flight was on XXXX XXXX. The intended departure/return dates were XX/XX/XXXX - XX/XX/XXXX. Due to the XXXX pandemic, the Spanish government restricted all non-essential travel from US citizens in the XXXX. I called Chase customer service, and they ensured me that I could safely cancel our flight in exchange for a future flight credit. Our flight was cancelled on XX/XX/XXXX and Chase promptly sent an email confirmation stating that I had been issued an airline credit. Chase issued us a flight credit for a total of {$1700.00} USD for future use ( two {$880.00} tickets ) as long as the credit was used by XX/XX/XXXX. 

On XX/XX/XXXX, I attempted to use the credit to purchase new tickets to XXXX. I called Chase for assistance in applying the funds to my new trip, and several agents told me that my flight credit had gone missing, without explanation. I was previously able to periodically check in and verify the existence and validity of the flight credit through my Chase web account ( " My Trips '' ) and checked most recently in XXXX, XXXX. I logged in on XX/XX/XXXX and the flight credit has inexplicably disappeared from my account. The Chase travel agents have insisted the voucher " doesn't exist '' despite Chase email evidence to the contrary ( attached ). 

Chase travel agents asked me to call XXXX XXXX and XXXX ( a travel partner ) to attempt to retrieve the voucher through them. After several hours on the phone with both organizations, both XXXX XXXX and XXXX have strongly insisted that Chase is responsible for the flight credit since the funds were held in my credit card account. Chase has failed to acknowledge the existence of the flight credit and have failed to offer adequate resolution to this issue. 

I have attached several emails including : - The original flight confirmation, itinerary, and flight numbers- The original cancellation email - The original emails from Chase and XXXX XXXX notifying me of my travel credit to the amount of {$1700.00} USD and verification of the XX/XX/XXXX expiration date I am seeking a full refund for my cancelled tickets to the amount of {$1700.00} and an explanation from Chase as to how my flight credit was mismanaged and " lost. '' I have also attached a copy of the compliant I have filed through Chase 's third-party claims service eClaimsline.com, as well as a complaint I have filed with the XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX two hard inquiries that needed to be deleted i was not aware or approve this transaction. please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-10
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage transferred to PHH Mortgage several years ago XXXX. All had been fine until XXXX of which caused us to fall behind on payments. After a trial modification, we were offered a loan modification of which we did not agree to the terms. Now, we have a mess. We were approved for a refinance with a different mortgage co. until PHH sent payoff statement showing an interest amount owed which resulted in our payoff being approximately {$110000.00} XX/XX/XXXX and our beginning balance years ago was {$110000.00}. I disputed this payoff amount. PHH is showing on our statements, an interest bearing balance and also a non-interest bearing balance. We were told our payments deferred would be added to the end of the loan, causing us to show current. We are not showing current on PHH statements, but our credit reflects current. When we call out of concern, they assure us all is fine and not to worry. We've requested a transaction history of our entire account multiple times & received but it is so confusing and doesn't involve simple bookkeeping as I was taught and have done for a living daily all of my working career. We can only access history from XX/XX/XXXX forward online. However, when I called on XX/XX/XXXX, I was told a transaction history from XXXX would be mailed to my address. We are being verbally told one thing, our statements reflect different and our credit reporting reflects different & our online account shows different. We want away from PHH Mortgage as it's obvious we will never get our home paid for at this rate. We have sent a payment but they returned it stating they had to in order for us to qualify for assistance. We would receive letters stating we were current & no payment due for 3 months. This is a nightmare which has caused me much distress and XXXX  to the point of a XXXX XXXX case. We never speak with the same person, never told the same thing and always assures us all is fine with our loan. This scares us because I can't prove verbal statements & their paper statements say different from what they say verbally. We feel victims of PHH Mortgage & held hostage from successfully moving to a different mortgage co. who would allow us to accomplish paying our mortgage off within a timely manner. We've had nothing but problems out of them and would like you to investigate our account to rule out any illegal charges added to our account & to make sure they handled posting our payments correctly. It's hard to send someone a payment when they send it back for no reason other than to qualify us for financial assistance. We are frustrated and feel this is a nightmare never ending. Please help us get away from this company. 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 explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2022-04-21
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22, I paid {$71.00} for a grocery delivery. The merchant unexpectedly charged an {$11.00}. After resolving the issue with the merchant, I was granted a refund for the additional charge. 

On XX/XX/22, the merchant charged me an additional {$82.00}, which was later resolved and offset by the pending refund. The merchant also confirmed that it had canceled the charge of {$71.00} on XX/XX/22. 

However, my bank, Chime, has yet to return the {$71.00} to me. It shows both charges, one settled, and one still pending ( {$71.00} ). Additionally, it has added a notification that the {$71.00} has been added back to my balance, although it hasnt. 

I have reached out to Chimes support team, who said that it takes at least seven business days to remove the charge, as the merchant canceled it while it was still pending. 

This makes absolutely no sense. Chime itself set the money aside, not the merchant, and is well-aware of the fact that the merchant returned the funds. So, why is it refusing to return the money in a reasonable time frame?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: NC
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 HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello Ive never checked my credit report or scores that often because I pay cash for almost everything, I finally decided to check yesterday and I seen that there was an error on my XXXX XXXX and XXXX stating I owed Franklin service {$110.00} from an Atnt account that I had at an address that Im not familiar with or have never stayed at, In another county in Florida and XXXX didnt give me any troubles because those were fraudulent inquiries or debts that I never owed them I would like to have this report so when I contact XXXX and XXXX they can remove there fraudulent, unverified transactions and take that address off my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2023-05-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When feasible I try to make additional payments of my mortgage. Ie : On XX/XX/23 I paid ahead for my XX/XX/23 payment. Check # XXXX amount of {$850.00}. Then on XX/XX/23 I paid XXXX mortgage payment of again : {$850.00} & check # XXXX. So my next mortgage payment is due XX/XX/23. I did make an inquiry of this & received a message from Chase that additional payments would be applied to the principal. This is the 1st I am hearing of this. I like to go ahead & make added payments when I can as w/ today 's economy I get concerned re : keeping roof over my head. Especially being a senior on a fixed income. I am lodging this complaint because this is the 1st I am hearing of " any additional payments would be applied to principal! '' So, Chase did NOT inform me of this earlier so there was NOT any " full Disclosure '' in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: NJ
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 letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible :

Company response to consumer: Closed with explanation