BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-21
Company: CBC Companies, 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: Personal information incorrect

Complaint:
Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease XXXX Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was vacationing in the XXXX XXXX from XXXX and on my way back home I lost my phone. Whomever found my phone hacked into all my bank accounts and social media. They changed my social media passwords, email addresses and sent money to people from my accounts. They also started running a scam from my social media page saying you could get a hefty return from a small investment. My friends and family called my fiancee asking what was going on my social media. When I was made aware of everything I called all my financial institutions and advised to block all of my accounts and credit cards. When I spoke to chase I advised that the XXXX payments and the XXXX XXXX was not made by me. I went in to the Chase Branch in XXXX and spoke to a rep. who helped me close my existing account and open a new one. They temporary refunded the credit, however 2 days ago they reversed it. They said according to their records facial recognition was utilized and they do not believe me. I supplied proof of my vacation, emails I sent to instagram about the hack and screenshots I obtained from my family and friends showing the person was conducting a scam using my personal information. When I finally regained access to my icloud email account.. I supplied them with an email that said my account was logged into from XXXX However, I was not in XXXX on XX/XX/21, but I was not, that was the same day I come back home from XXXX XXXX. I also advised my XXXX transaction are consistent ... I always send it to people in my contact list and I have never had an issue like this. What is the point of using a financial institution if I am not protected in any way. Nowadays, nothing is unhackable or fraud proof and they refuse to help me or look into it. In addition, when I filed the claim the fraud representative advised this should be relatively easy because the person who it was XXXX to also had Chase. Chase has not looked into the claims any further nor done anything to suspend the other person 's account considering they are committing fraud from their banking platform. I have have always banked with Chase ... first through my personal accounts and then with my business. I do not know how they are not doing anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I paid {$170.00} on XX/XX/XXXX for the Merchandise and never received the order. So I filed a dispute on XX/XX/XXXX Wells Fargo gave me a temporary credit and they reversed it on XX/XX/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 2022-05-21
Company: United Shore Financial Services, LLC
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 604 A section states I have the right to privacy 15 USC 1681section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: PNC Bank N.A.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
I went to PNC bank on XX/XX/2018 to withdrawal {$500.00} the teller was busy at the time with other things..then she told me there was only {$44.00} left. I said that was impossible. and she told me to move on. checking with my XXXX XXXX account it shows PNC bank is " pending '' to take out {$500.00} thrus showing only a {$44.00} balance. when I went back to the bank on friday the same teller told me to leave. I tried to speak to a Manager and they were to busy.. 
I would like my {$500.00} released asap thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: FISERV INC.
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This complaint is regarding Fiserv for the second time. 
Fiserv XXXX XXXX XXXX XXXX Oh XXXX XXXX On XXXX at XXXXXXXX XXXX I called their number and spoke with XXXX in regards to a letter I received from Fiserv. She could not find me in their system using my name, social security number, or any other information I gave her. So then I asked if I should just disregard the letter and she responded yes. 

Since then I have received two more messages on my phone from Fiserv about reinstating my bill pay service, collecting payment. This company is impossible to deal with. They send me a letter and threaten that if I don't pay them it will be sent to collections but when I do call they can't find anything about me on their system??? How am I supposed to deal with this company? This has been going on since XX/XX/2023. I have long since changed banks so I can do my electronic banking.

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 2023-01-16
Company: Bread Financial Holdings, Inc.
State: NH
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:
Hi, Re : Comenity Bank XXXX XXXX XXXX On XX/XX/2022 I redeemed XXXX rewards points as a direct deposit to my checking account in the amount of {$2600.00}. After waiting the requisite XXXX business days the deposit didn't appear into my savings account. It still hasnt as of today. I contacted the credit card issuer and asked for an explanation. They said they couldnt find the transaction and that I only had a few rewards points in my account. The later part was true since I just redeemed them. They said they were unable to find the transaction even after escalating to the next tier support. In the next several days I received a letter stating it would take 90 days to resolve it and the appears that they were treating it like a charge dispute which this obviously is not. I have contacted my bank and they see no attempt at the transaction being made such as a transaction rejection. The secondary issue is this credit card was transferred from XXXX and XXXX immediately shut off access to their records of all users of this card. 

Best regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-03
Company: Michael Andrews & Associates LLC
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:
I contacted Michael Andrews and Associates after a hard inquiry was placed on my XXXX credit report on XX/XX/XXXX18. I contacted them within 1-2 days of the inquiry to find out who was authorizing this pull of credit and why. I spoke to a representative who answered and asked me for my name, which was provided. She told me that I would be receiving something stating the reason for the credit pull. I told her I had not authorized anyone to pull my credit and I did not have any business with this " law firm ''. She then stated that this was in connection with my previous car and that they were handling the case and that it was in my contract which would be mailed. To date I have not received any documentation or notification from this company or supplied any information as to why my credit was pulled without my authorization and consent. I am requesting this inquiry be removed under federal consumer protection laws as it was not authorized and the company has provided no evidence to support justified reasons or where authorized by law and/or contract to receive my credit information.

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 2023-01-16
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Collection Services in XXXX XXXX  did NOT proactively represent the outstanding bill of {$15.00} and sent Demand Letter from a debt collection agency. There was no communication from when the original XXXX $ was considered due in XX/XX/XXXX date of service to XX/XX/XXXX when the amount was classified as delinquent and debt collection process started. A lengthy conference call on XX/XX/XXXX did NOT provide any clarification on the missing communication from XX/XX/XXXX through XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: CITIBANK, N.A.
State: ID
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:
XX/XX/19 : Received email notice that Citicards is no longer partnering with XXXX ; the notice states that my XXXX Citicard will no longer be valid after XX/XX/19 ( this is prior to the maturity on my credit card ). 

XX/XX/19 : Chat with Citicards ; asked if my Rewards would be honored. 
I have earned {$280.00} using this card. Was told that rewards would not be paid because the card is closing. Asked for their complaint department ; was told the only way to file a complaint is to send it in writing. I was given an address. 

XX/XX/19 : Logged into Citicards ; it is still showing how I can earn cash back on my purchases. My reward of {$280.00} is still listed.

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 2018-07-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is showing on all bureaus account is showing old delinquency. I have since paid off the balance off the loan it is now closed as off XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Westlake Services, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Monthly payments are not being applied according to contract, additional principal payments are not being applied to principal as requested. Some schedule payments are being applied as interest payments only. Some additional {$100.00} payment are being applied as interest and principal payments. Spoke with C/S rep. she told me that payments are being applied according to the contract.

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 2023-05-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/XXXX, I contacted Experian regarding the address I wanted to be deleted from my credit report. I spoke to XXXX - Dispute XXXX XXXX # XXXX. XXXX explained that the address could not be deleted because it was been reported by ( 2 ) creditors 1, XXXX- which my account was sold and transferred to XXXX XXXX XXXX  in XXXX of XXXX. XXXX. XXXX XXXX of which I have active accounts. I offered to provide a copy of the DL to validate my address. XXXX refuses to accept this offer to validate my address. I want the address removed immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2023-01-16
Company: GOLD STAR MORTGAGE FINANCIAL
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began to purchase a house and applied for a mortgage with a lender I was satisfied with on Monday, XXXX. 

On Wednesday, XXXX, I began receiving text messages from XXXX XXXX falsely claiming I applied to them for a mortgage, and whether I would like to continue the process. 

I had no preexisting business with XXXX, I had never applied to XXXX lending. The agents lies confused me and almost caused me to believe XXXX was the company affiliated with my lender. 

I informed the agent, XXXX, that I did not want to do business with XXXX and would not want to. 

Days later the predatory agent continues to send messages to my phone, disregarding both my initial request to leave me alone and subsequent requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
It has been 3 years since I was contacted by a friend of a cousin, asking for a {$35000.00} loan to invest in his business. I tried contacting the bank to reverse the transfer as well as contacted a lawyer to take my case. I have not succeeded in getting my money back in both cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023 XXXX reported that I was 60 days late on my mortgage account. 

XXXX recently bought my Mortgage ( transfer was XX/XX/2023 ) They incorrectly reported that I am 60 days late. This dropped my credit score over XXXX points. 

I have made XXXX payments since the transfer of my loan. 

Both their phone system and online portals say my account is current. 

I have called the only customer service number I can find and there is absolutely no option to speak with a live person/representative. 

I have emailed them but have not received a response. 

I have filed a dispute with XXXX on 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 2022-07-09
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX 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

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: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I am submitting this complaint on my behalf. I can't believe they are taking advantage of me like this. I am very upset with Experian. They have not responded back to me about my investigation. I sent a letter and it's been more than 60 days. I need these accounts deleted or updated. These are the items I demand to be deleted. 

1 ) Please investigate that this account is reporting XXXX percent accurate. XXXX  card is reporting different information on all 3-credit bureau XXXX I see so many errors which is a FCRA violation XXXX XXXX  Please to remove this account from my credit profile 2 ). Misleading false information This FDCPA section 807 Violation misleading false reporting on my credit report CBNA Account Please remove from credit profile The Fair Credit Reporting Act 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

Please remove from my credit report

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 2022-07-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXXxxxxxxxxxxx, XXXX XXXX XXXX XXXX Acct # XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX / XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX / # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
the following are inquiries on my credit report that I do not recognize and did not authorize. 

: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
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 XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX USDOE/XXXX  Account # XXXX DPT EDXXXX has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

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

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