BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$14000.00} US DEP ED XXXX {$7100.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$5500.00} 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 2021-05-02
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
To whom it May Concern : I applied for credit from American Express Serve only because my account with XXXX and XXXX was closed. I contacted XXXX and XXXX and they said for them to credit me the date of the transaction. This is what XXXX done to my account. 
Provisional Credit for Dispute XX/XX/XXXX {$190.00} Now on XX/XX/XXXX The Provisional Credit Reversal XX/XX/XXXX - {$190.00} These funds were not supposed to be reversed out. 

I am seeking these funds back into my account. 


This is the letter that was sent by XXXX  and what American Express Serve was supposed to do. 

XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, XXXX XXXX GMT+5:30 Hello XXXX, Thank you for reaching out to us through the XXXX XXXX XXXX  XXXX My name is XXXX and I am a manager of XXXX 's Customer Support team. I have reviewed your most recent comment and all internal XXXX correspondence. 

Regarding your complaint : I am really sorry for any confusion or trouble. As we mentioned before, the disputes filed for the XXXX purchases were resolved in your favor. In this situation, we recommend reaching out directly to your financial institution to resolve the issue. 

Thank you for your understanding. 

Regards, XXXX XXXX Manager XXXX Customer Support

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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.

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 ( 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 2020-08-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I'm currently in a bankruptcy it has now been two years. my mortgage was with XXXX XXXX. At the end of XX/XX/2019 they switch me over to PHH mortgage, so I started paying PHH mortgage starting XX/XX/XXXX. Well in XXXX they return my money to me for the month of XXXX. I called and spoke to them and they told me I have to pay them from XX/XX/2019, I told them no that I had XXXX XXXX AND I HAD ALL MY BANK STATEMENT TO SHOW FOR IT for the whole year of 2019. But they will not talk to me nor will they take my money. They keep saying they want there XXXX from last year. That's not right and its not fair. At this point I don't know what to do. I do not know what's going on with my house as of know, all I know is that I will fight for my home. I want to keep my house. All I know is that they will not take any money from me and I'm getting nerves I have my XX/XX/XXXX that lives with me and my XX/XX/XXXX who is going to college. I need advice I hope you can help me. The payoff letter that I have included is not right they have added on more money then what it is supposed to be. If we can not get this straighten out we will go to court. The payoff is only around XXXX not sure where they are getting there figure from. I just would like all this done and over with. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-08
Company: WELLS FARGO & COMPANY
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We bought a house in Hawaii in XXXX 2018 with VA mortgage loan from the XXXX XXXX. After I made the first mortgage payment on XXXX XXXX 2018, my mortgage was sold to Wells Fargo. 
The problem is the first payment I made includes the principal payment of {$65000.00} which was posted by the XXXX XXXX on XXXX XX/XX/ 2018 and reversed later in XXXX saying the loan was sold to Wells Fargo and I was informed that I need to speak to the new mortgage bank, Wells Fargo by the XXXX XXXX 
Wells Fargo did some research asking me to send them the payment proof ( a cancelled check copy and the bank statement ) in XXXX 2018 and responded me back saying there's nothing they can do but posting {$65000.00} on XXXX XXXX 2018, not XXXX XX/XX/ 2018. The XXXX XXXX is saying my loan was sold to Wells Fargo at the end of XXXX and Wells Fargo is saying the loan was sold on XXXX XXXX but they received the payment on XXXX XX/XX/ 2018. 
The mortgage sales between XXXX banks should have not affected on my payment date and the principal payment {$65000.00} had to be recorded on the date I made a payment and the mortgage interest needs to be recalculated based on the actual payment date, not based on when XXXX banks made a transfer each other.

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 2020-08-10
Company: HEARTLAND PAYMENT SYSTEMS INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Two months ago, a supposed student loan from 25 years ago showed up on XXXX credit report. I had never even Heart about this loan until that time nor was I in school at that place in 1996. Yesterday, I received a notification from Heartland collection company for this fraudulent collection attempt with no information on the debt. PERIOD! This is a clear violation of the Fait Credit Act. I will be taking legal action against XXXX XXXX XXXX, Heartland, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
hello, this is actually my 3rd time reaching out to the credit bureaus regarding these fruadelent accounts and inquires on my credit report. They refused to investigate and correct the errors. These accounts are NOT mine. i have attached the FTC report below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my account in early XXXX. Ally Bank promised to refund my balance within 10 days. I never received a check in the mail. In early XXXX, I contacted Ally Bank to notify them that I never received the check. The made me fill out a lost check affidavit and promised to send the check within ten days. A week later, they told me that the affidavit needed a e-signature, so I complied and filled out the form again with an e-signature. Two months went by and I never received a check. I reached out again to Ally Bank and they are now telling me that I need to send in the affidavit with a physical signature. Ally Bank has made zero efforts to return my money. They seem to be making it excessively difficult to return my money and keep giving me different answers about what I have to do to get it. Avoid this bank and stick with established banks -- they are more responsive and less shady than Ally Bank.

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 2023-01-11
Company: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted to them a claim a dispute the stating that my account had unauthorized use while I was incarcerated. I had possession of my card at all times never gave up the card information, no other authorized users and was not able to make any transactions as I was incarcerated I was asked for proof of incarceration I provided that and also a police reporter was provided they then told me that they're investigation decided that there was no fraudulent activity however the police report did find fraudulent activity of course there was fraudulant activity if I didn't get to spend my money that was in my account they will not resolve the issue

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 2020-08-10
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with Suntrust ( Truist ) on XX/XX/2020. The account was funded with an initial {$100.00} ( also XX/XX/2020 ) and I subsequently had two deposits from the SBA for the EIDL grant {$10000.00} ( XXXX XXXX ) and deposit of {$25000.00} for the loan. On XX/XX/2020, I was contacted and asked to provide a EIN letter of verification. I submitted it and was informed my account was approved. On XXXX XXXX when I logged in to the online account, I noticed there was no checking account listed. I called and was informed my account was being closed. I asked why, she said because no deposits had been made which is odd because I had two. She also confirmed that it would take 10-15 business days and they would send the check by mail. During my wait, I received an email invite to complete a survey and I did. I had been extremely disappointed with my experience with the bank and I voiced that in the survey. A representative from the company, XXXX XXXX contacted me on XX/XX/XXXX and told me that the reason I had received my check was because the fraud department put a hold on my account and I needed to send in notarized proof of business. I submitted that XX/XX/2020 at XXXX XXXX CST. XXXX acknowledged my email XX/XX/2020 XXXX XXXX CST. It is XX/XX/2020 and I have yet to receive a check. I called in at XXXX XXXX CST and was informed by representative that they were still " closing the account ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Experian has been sending multiple charges to my XXXX XXXX credit card for services I have never signed up for. Obviously these are fraudulent charges. I tell XXXX XXXX to refund the monies and they do while stopping the account and sending me a new card in the mail. As soon as I verify the new card, when it arrives in the mail, the charges come right back. 

I've done this 4 times now and even had my credit card company block Experian from charging my card but it doesn't stop them. It makes no difference. I tried contacting Experian at 5 different numbers and can not get a live person to talk to, just automated prompts. Out of frustration, I went through the prompts to act like I had an account and I wanted it cancelled. As soon as I said cancel this service it says that I don't have a service with them. I know that already, but it just further proves these charges on my XXXX XXXX card are fraudulent. Still no way to contact Experian. 

I've seen this same scenario online about Experian charging others for services they didn't sign up for, and no one can contact Experian. It's madness to be in this loop with seemingly no way to resolve this.

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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On or about XX/XX/XXXX I received notice of a credit inquiry from XXXX XXXX ( sp? ) that I had not caused. I contacted XXXX and had it removed and placed a fraud alert on my credit. 

On XX/XX/XXXX I received a letter from XXXX , XXXX XXXX declining an account request that I did not make. Their reference number is : XXXX and on the second line : XXXX. 

After quite a bit of redirection on the phone, they told me that the actions I had taken were proper and that I should also file this complaint to insure it get propagated to all credit agencies. 

The address on that letter has some bogus information on it which suggests the information used may have been take from the XXXX XXXX  data breach.

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 2018-03-13
Company: EQUIFAX, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
Was not XXXX XXXX obligated to protest card holder for hackers inside their company and from hackers that used their company to hack peoples accounts? 
Someone using XXXX XXXX hacked into my bank and took {$300000.00} a few years ago. XXXX DID pay it back BUT did not stop them from hacking and taking funds from my XXXX and XXXX credit cards to the amount of over {$40000.00}! This funds ent to a fake XXXX credit card account! 

XXXX XXXX NEEDS to stop letting hacker work for them!!! 
They owe me over {$40000.00} plus the amount that the hackers took from my XXXX Credit cards. Plus damaged that they did to me of {$50000.00}. 

In XX/XX/XXXX/XX/XX/XXXX I became XXXX  and sent a claim into XXXX XXXX to have my payment paid by the payment protection plan that ALL card holder had pay for> I was told I did not have that coverage that I was paying for as required by them ( federal court ruling XX/XX/XXXX ) I can canceled both cards and started to pay them off at {$100.00} to {$300.00} per month. About four years ago someone at XXXX XXXX or through them took {$3000.00} from MY bank! They did send me a blank check for no more then # 3,000.00! But when the hacked into my bank the got my other credit cards and started transferring money ot of them to a fake XXXX card account! Before I caught them and pt a stop to it the took over {>= $1,000,000}! XXXX XXXX has been ordered by several federal court to stop setting up fake accounts in class action law suites! 

I can not get credit with the only credit card the did not ler XXXX XXXX steal from ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid 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:
My complaint is about my Chase XXXX card. 
I have a Transaction in the amount of {$280.00} that I have reported and disputed with Chase since the day it happened on XX/XX/2020. 
I have attempted to dispute this charge on XX/XX/2020, the day it happened, again on XX/XX/2020, and again on XX/XX/2020. 

On XX/XX/XXXX, I received notice that the dispute had been denied because " a significant time has passed ''. 
I did my due diligence, I don't see how I should be punished for Chase 's lack of response The timeline follows : On XX/XX/2020, we found something online and decided to purchase. 
When I entered my Chase XXXX information and hit Submit, I immediately got a Chase Fraud Pop-up warning and received a Fraud alert email I received no notification from the original site, no order confirmation, no order number but I did find that the charge of {$280.00} was on my credit card. 
I researched the web site and found numerous complaints about non-delivery I called Chase that day, XX/XX/2020, and told them what happened. 
Chase issued a replacement XXXX  card with a new account number, issued a temporary credit for the disputed amount, and apparently initiated a Fraud investigation On XX/XX/2020, I received a notification that there was a resolution to the case The fraud case was dismissed because I had " Received benefit from the Transaction ''. 

On XXXX XXXX, I called Chase Customer Service, explained the situation, and was told that instead of fraud, I needed to dispute the charge. 
On that day, XXXX XXXX, I disputed the charge online and followed up in writing via mail and fax with the details about the fraud alert and the charge being on my account. 

On XXXX XXXX a full month later, I received notification that they had received and were reviewing my dispute. 
On XXXX XXXX, I received notification that the dispute was denied because it wasn't fraud That day, XXXX XXXX, I called Chase Customer Service, explained the situation, and was told that I needed to re-dispute the charge citing the reason as non-delivery of merchandise. 
I re-disputed the charge that day, XX/XX/2020, in writing via mail and fax On XXXX XXXX, 2 weeks later, I received notification that they had received and were reviewing my dispute. 

On XXXX XXXX, I received the final resolution that Chase had found for the merchant because " a significant time has passed '' I feel I did my due diligence in reporting this to Chase on 3 different occasions and should not be punished because of their slow response and misdirection on their part In XXXX, 2020, I tried to contact the original merchant but the website had been taken down, the telephone number and the email address I had for the merchant was no longer in service

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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