BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$780.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX-XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: AmeriCollect
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past years this company continues to charge me a debt and continues to report to me in the agency XXXX. today XX/XX/XXXX I saw in my annual credit report that this americollet company since months ago has reported me again. knowing that I have made many complaints and I have the proofs please help me eliminate this and that they do not hurt me anymore in my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Ocwen Financial Corporation
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This may be considered as a double complaint. I have been trying for several years both with my servicer and my attorneys office who processed my bankruptcy to have my mortgage payments report on my credit bureau. I filed in XXXX of XXXX. I was not aware that there were additional steps that should have been taken to be sure my mortgage was reaffirmed. I reached out to my attorney XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX and inquired as to why my payments were no longer being reported on my credit. I have also contacted my servicer PHH mortgage with no progress from either party. This has caused me great hardship and has effected my ability to refinance my property. Im reaching out for assistance in having the mortgage servicer to report my on time payments. I have not been late on my payment since XXXX. Please investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: EQUIFAX, INC.
State: LA
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:
I have no knowledge of the following inquiry XXXX XXXX XXXX XXXXXX/XX/2018. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America 's employees damaged my home, stole my mailbox, personal items, and added charges to my mortgage that for work never performed thus inflating my mortgage balance to an amount that is not correct. Furthermore, Bank of America misled me stating that I could do a short sale to avoid foreclosure. Lastly, Bank of America changed my mortgage loan number thus I was not credited for payments made and Bank of America forceplaced an insurance policy eventhough I had my own homeowners insurance policy thus I was charged twice

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 2023-07-27
Company: PayTomorrow, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/2024, I discovered a collection account in the amount of {$3600.00} - company pay tomorrow. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was a member of  XXXX   XXXX   XXXX , which was acquired by  XXXX   XXXX   XXXX   XXXX . The process of merging, transferring, and issuing new account numbers were phased-in over three months  :  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX .      I have had a  XXXX   Visa card ( " lo an account '' ) since  XX/XX/XXXX  that I paid via my accounts page. My accounts page included my savings account and I would pay m y Visa by simply transferring money from the savings account to the Visa acc ount. During the phase-in transition however, the banking accounts ported over to the  XXXX  website in   XX/XX/XXXX , but not the Loan accounts ; those would not phase-in until  XX/XX/XXXX .      In  XX/XX/XXXX I sent a secure message to  XXXX  customer service about making my  Visa paymen t, the response was to mail it, and I was provided an address. I s ent a Bill Pay paym ent from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     On   XX/XX/XXXX ,  I receive a credit alert from  XXXX  that  XXXX  reported my  Visa ac count as 30 days late. The effect of this reporting tanked my  credit score.      When I called  XXXX  's customer service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.

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 2018-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Over the past several months I have requested that Transition provide proof of various issues i had reporting on my report. the latest report as of XX/XX/18 still states the mis-reported information as well as, a report from XX/XX/18, various mistakes in reporting are noted and pointed out and Transunion updated the information that I had found wrong and then added to the time that it will remain, then inform me that unless i send a different letter that Transunion will not look in to there mistakes. It is not fare no legal that due to there mis reporting and unable proof to provide the information i had requested for well over the allotted time needed. the accounts remain and more have been added. also various medical accounts appear as well and i know that is a HIPPA violation. I am not sure as to why nor understand the reasoning behind Transition unwillingness to admit there mistakes and remove the accounts and failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT! I DO NOT DISPUTE the reality of the account reported YET XXXX refuses to REMOVE the claim I dispute it. PLEASE EXTINGUISH the " DISPUTE '' remark OR present regulatory requisites that suggests a mandate to retain a dispute statement OUTSIDE the consumer 's CLAIM of NOT DISPUTING. What gives XXXX, exactly, the RIGHT to retain despite an absence of consumer dispute or an authorization from consumer to suggest it is in dispute? CERTIFY the nature of any CURRENT DISPUTE or else eradicate. It is UNLAWFUL for any entity in credit to be deceptive or unfair. CLEARLY this is Transunion misbehaving illegally and must act to remove a claim of aimed

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 2023-05-19
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I have problems switch XXXX trying to take money from my account which lead me to calling my bank which is ( CHIME ). When I search chime in the XXXX data base it gives you a fake chime website and a fake number which is XXXX, me not knowing I called the number and it sounded like a chime representative they access my whole account through some app called ( XXXX  ) what they told me to download but Im still XXXX to the fact that these people are SCAMMERS. I did everything they told me to do about trying to get the XXXX to stop trying to take money from my account. Weeks before this I had already called to report my card lost or and stolen and XXXX were still trying to take my money. As Im on the phone with these SCAMMERS they was able to get into my account and sent themselves {$1500.00} of my money through PAY A FRIEND on the CHIME APP because the app XXXX  shared my screen with these SCAMMERS. As soon as this happen they tried to take another {$120.00} out of my account but it flagged it about saying that the pay a friend was unavailable because you recently sent out a unusual transaction and it didnt go through immediately I asked for they name and badge number and they hung up thats when I knew I something was not right. So somehow I called a guy friend and asked to look up CHIME phone number and it gives them the real phone number. I called them to report what had happen and they told me that they will file a dispute which they have denied multiples time and Im still out of my money. They said the last investigation date was XX/XX/XXXX and still no funds. I filed a police report and have videos of some of these happening. Could someone please reach out to me please. I have XXXX kids and bills I behind on my car insurance and I need help in regards of this matter. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
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: Account status incorrect

Complaint:
I was a member of  XXXX   XXXX   XXXX , which was acquired by  XXXX   XXXX   XXXX   XXXX . The process of merging, transferring, and issuing new account numbers were phased-in over three months  :  XX/XX/XXXX  ,  XX/XX/XXXX  a nd  XX/XX/XXXX  .     I have had a  XXXX   Visa ca rd ( " loan account '' ) since   XX/XX/XXXX  that I  paid via my accounts page. My accounts page included my savings account and I would pay m y Visa by simply transferring money from the savings account to the Visa account. During the phase-in transition however, the banking ac counts ported over to the   XXXX    website i  n  XX/XX/XXXX , but not the Loan accounts ; those would not phase-in until  XX/XX/XXXX .
In  XX/XX/XXXX  I sent a secure message   to  XXXX  customer service about making m y Visa paymen t, the response was to mail it, and I was provided an address. I sent  a Bill Pay payme nt from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     O n  XX/XX/XXXX ,  I receive a credit alert from  XXXX  that  XXXX  reported m y Visa ac count as 30 days late. The effect of this reporting tanked m y credit score.      When I called  XXXX  's customer service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.

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 2023-06-30
Company: GOLDMAN SACHS BANK USA
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:
XX/XX/2023 Green sky/thc loan inquiry saying Home Depot acct XXXX As well as I got a call yesterday too.. I called the # asks for last four of social didnt go further because Im not putting my number in fraudulent account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: Genesis Lending
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I just got a letter on   XXXX   XXXX   XXXX    abo ut the deceptive practices for  XXXX   college that  I attended in  XXXX  and graduated  XXXX  from the  XXXX   XXXX   XXXX   Virginia Attorney General. I had  a Genesis loan  that I had paid off in the meantime. I found my letter from them when I got this loan back in  XXXX   XXXX . I have tried calling the number on this paper (  XXXX  )  XXXX , which w as Gensis  lending which then referred me to these  XXXX  numbers (  XXXX  )  XXXX  or  XXXX   XXXX   XXXX   XXXX . These  XXXX  companies have no information because I have paid off my loan. So I do n't know about how to go and get information for them to refund me the amount I had paid them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Phoenix Financial Services LLC
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:
This negative remark keep popping up on my credit a nd no recollection of this account and I have no contract with any third party because this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I pay  my Citi  credit card in full each month.  YTD  I have spent {$38000.00} on their card so I am a pretty good customer and pay the balance in full each month. Today, I tried to use the card and was declined. After calling the company, they told me that my payment was 5 days late and they froze my line. The payment due date was the  XXXX  and today is the  XXXX , which seems like 3 days, not 5. There was no nottation in my statement that the availability would be curtailed at 5 days late and I was only 3 days late to pay - I paid the card in full this afternoon.     I asked that a complaint be filed and also asked how to contact the CFPB.  Citi w as reluctant to file a complaint and the representative told me that the situation had been resolved so no complaint needed to be filed. I protested and they finally agreed to file a complaint but had no information about whether I would be contacted or what the complaints process is.  Thier  representatives were not familiar with the CPFB. Additionally I was given contradictory information from  2  different representatives about crediting  Milage  to my account.     All in all a bad experience and my future business will go to my  XXXX   XXXX  and  XXXX  cards.

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 2021-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2021 was charged a late fee for {$29.00}. I have never been late on this account. I never received the statement via the USPS. I contacted Wells Fargo in writing asking for the fee to be waived. Wells Fargo sent my a huge packet of statements instead and did not address my written request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Chase dropped my credit limits on XX/XX/XXXX, on one of the cards they dropped my limit from {$18000.00} to {$2700.00}. At this time, I kept a balance of {$1700.00} which would have been less than 10 % usage. The other changes were from {$10000.00} to {$2500.00} and {$4200.00}. 

Despite having kept an excellent credit history by paying off more than the minimum due and being responsible about my credit use, Chase still decided to reduce my credit limits by these amounts which significantly affected my credit report. My usage went from 10 % to 50 % or more on these cards. I even accidentally maxed out one card paying for online courses because I had not been aware of the decrease. When I asked to have my original limit restored they said they'd have to pull a credit report to begin the process which seems very convenient for them. I explained that my credit took a hit because of their limit decrease so my credit report would be weaker as a result. Its no coincidence that they dropped them by this much because this essentially prevents me from being able to justify a higher credit limit. 

On top of the strategic manipulation of my spending power, the reasons for why they took this action in the first place are lies. They said that I had a high balance - I do not. They said that they might have gotten wrong or outdated information from the Credit Bureaus, that's also not true. 

I have been a long time customer of Chase and am very disappointed to be experiencing this. I'm essentially getting penalized for having a low balance and maintaining my credit. I would like my credit limits restored or close to what they were originally. Additionally, I've paid all my balances in full so there should be 0 excuses about my balances in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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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