BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2020-11-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
After several phone calls too XXXX XXXX located on the XXXX islands and several affidavits and declarations to the company absolutely completely refuses to investigate the fraudulent transactions!! Please see Attachment ... ..Thank You XXXX Once the bank is alerted to the fraudulent charges and all required documentation is received, they must respond to the dispute within 30 days. The bank will have a maximum of 90 days to investigate and resolve the error. Depending upon the nature and scope of the fraud, the bank may decide to notify law enforcement. The XXXX XXXX did nothing! 

Statement from XXXX : Hi, XXXX XXXX, Recently you inquired about your charge ( s ) from your Bluebird Prepaid Debit Account in the total amount of {$1000.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account. 

You have the right to review any documents we relied upon in making our determination. 

You may request this information by writing to us at the following address : Bluebird Customer Care XXXX. XXXX  XXXX XXXX, GA XXXX Thanks, The Bluebird Team Email from XXXX : Hi, XXXX XXXX, Thank you for your recent inquiry regarding unauthorized transaction ( s ) on your Bluebird Account. 

We appreciate your patience while we complete the research needed to investigate your claim. We have enclosed the Declaration of Fraud form in order for you to provide us relevant details. Please complete it and upload the form through the following link within ten ( 10 ) business days from the date you contacted us over the phone regarding this claim. 

Declaration of Fraud Form Secure Document Upload : You can securely send your documents using your desktop or supported mobile device* by : Clicking here Logging in with your account credentials and Uploading your documents If a response is not received or it is incomplete, we may be unable to verify your claim. 

As a reminder, it is required we receive your Declaration of Fraud within ten ( 10 ) business days from the date you contacted us over the phone regarding this claim. If we do not receive this document within this time, you may not be eligible for a provisional credit. 

We may take up to 45 days to complete our investigation.

If you need additional options for submitting your documents or have any questions, please call Account Protection Services at XXXX. 

Thanks, The Bluebird Team THIS A VERY BAD COMPANY! Please help in this matter BY THE FRAUD BY XXXX! 

THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Experian Information Solutions Inc.
State: UT
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:
Experian is showing an Inquiry around XX/XX/2018 for XXXX XXXX. I did not authorize this and I have attached the proof that I did not authorize an inquiry and they advised me there would be NO inquiry. It is affecting my financing and I need it removed asap! 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 2021-03-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB REpresentative, Thank you for your advocacy work! Really appreciate it! 

I have four concerns about my lender/chase who has been acting in ways that lack integrity and has illegitimately taken advantage of my situation. 

I am on the forbearance program since XX/XX/XXXX. 
In XX/XX/XXXX and XX/XX/XXXX, XXXX and XXXX and XXXX XXXX from Chase contacted me to discuss about the upcoming payment in XXXX, as the forbearance program would be ending. 
They told me it would be {$1100.00} per month at 2.75 % ; they called this program " deferred '' program. I asked them for paperwork to which they replied, they will " mail it soon '' and that " this conversation is recorded. '' To date, I have not received any paperwork concerning the discussion, Last week, XX/XX/XXXX, I called Chase to follow up, I spoke with XXXX, and XXXX or XXXX. 
I was informed the payment amount would be " the same as before '' at {$1300.00} per month, 4.5 %, and not {$1100.00} as discussed. 
XXXX added she saw " in XX/XX/XXXX it was {$1100.00} '' ; she was not able to give details as to why there is a higher amount. she also stated " denied the modification program ''. that was not discussed. 

On XX/XX/XXXX I called and spoke with XXXX to ask for transcripts from the conversations in XX/XX/XXXX. He told me he has no access to. 

1 ) they refused to product paperwork before and after the discussion which took place in XXXX XXXX misled me into thinking they would do so. 

2 ) they did not honor our agreement during that conversation but to increase the rate form 2.75 % to 4.5 %. 

3 ) they manipulated my trust as a consumer, such that they discussed loan terms with me without paperwork while assuring me they would mail paperwork.and that it was " recorded ''. Now they claimed they have " no access '' to the recorded conversations. 

For your information, My monthly payment was {$1300.00} at 4.5 % starting XX/XX/XXXX. 
This is an ARM so each XXXX, I automatically get a new ( lower ) payment starting XX/XX/XXXX. See images attached. 
XXXX XXXX XXXX In XX/XX/XXXX, My payment was determined to be {$1100.00} at 2.75 %. 

In XX/XX/XXXX, I wanted to voluntarily make two payments to my mortgage. 
I consulted more than one occasion with Chase but they did not inform me, through email or verbal instruction, that my payment now is lower, at {$1100.00}.

So I made two payments at at {$1300.00} each. 

4 ) Chase has not informed me I overpaid and has not disclosed how they used the extra {$200.00}. 

On XX/XX/XXXX I was advised to apply for " Modification ''. I agreed to but now I learned it requires one to have a job. I am not currently employed. I can not apply for a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
At the end of XX/XX/XXXX, around XX/XX/XXXX, I received a bill from XXXX XXXX for {$140.00}. My usual bill was {$55.00}. I called on XX/XX/XXXX to find out what was going on. They informed me that my bill went up as an introductory offer ended. At that time, I had already paid my usual portion of the bill. Unable to come to any agreement with a new price, I cancelled service. XXXX XXXX told me to wait until I received a box from them and then mail equipment back ( which I did ). I waited until the end of XX/XX/XXXXto receive a final bill. I paid the remainder of the triple bill as well as the first week of XX/XX/XXXX ( check XXXX for {$100.00} ). XXXX XXXX is reporting that I need to pay for the entire month of XX/XX/XXXX, even though service was terminated on XX/XX/XXXX and equipment returned the following week. They have turned the bill over to a collection agency " Convergent '' who is calling up to 5 times a day at all hours. They have told me if I don't pay they will be sending police to my house to arrest me. They have called at XXXX in the XXXX ( waking up everyone in the house ). I have tried to talk to XXXX XXXX but their response was " this is our policy. You have to pay. There is nothing I can do ''.

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 2022-05-03
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, i recently sent a complaint over to you regarding Equifax. I have been having issues with Equifax since XX/XX/XXXX. They have some type of freeze/lock on my credit profile with them. I did not authorize a freeze. My credit score has been at a stand still with this company and my credit report is showing 0 % as if i have no credit. I have no issues with XXXX or XXXX my credit report is showing and my scores are changing. Thank God its getting better. Due to majority of the companies using Equifax to determine i assume approval i have not been able to get any type of loan or anything due to this matter with this company. I have reached out to them several occasions by phone, they seem to not keep track of the last call or confirmation number the representative gave when she spoke with me. I contacted them today XX/XX/XXXX, i explained the issue and informed them that we need to get this issue resolve asap, or i will have to seek legal help because its causing issues with approvals, i was hung up on by the rep. I can not seem to get any solution with Equifax. I really need help, an attorney that can get this case or whoever can get help get this issue resolved. I XXXX  reviews on them and there are more people that have had or are experiencing the same with this company and dont know what to do about it. Help. Someone need to investigate Equifax. This is upsetting me i will write a letter to the President of the United States about this and see if he can help me. I am trying to homeowner soon and other and I can not have this to ruin anything with getting this done. I dont want to speak with Equifax anymore Ive done all i can to speak with them nothing but issue resolved, a confirmation number and a postcard thats mailed from Equifax office location in XXXX  , Georgia saying the issue is resolved. I need help or attorney that can help me sue this company and start an investigation with them. I think this company is doing something they have no business or have been breached. I ready to take legal action on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Saturday, XX/XX/XXXX I went with my boyfriend to the Wells Fargo branch located at XXXX XXXX XXXX XXXX XXXX, CA XXXX around midday to make a cash deposit. Since I did not make the bank business hours ; I then proceeded to deposit the cash through their ATM. The ATM only taking up to 30 bills at a time ; I did two transactions. The first transaction I inserted thirty, {$20.00} bills, equaling to {$600.00}. The first transaction went fine. So I went ahead and proceeded to insert the second batch of thirty, {$20.00} bills. The ATM miscounted the money the second time. It only read {$400.00} rather than the {$600.00} I inserted. There are only two options after it counts the money ; which are, to confirm or to cancel transaction. Since the amount was incorrect I chose to cancel the transaction thinking it was going to just return me all the cash to re-insert again. But to my surprise, the ATM only returned me the {$400.00} rather than the {$600.00} I inserted. Right there and then I called the customer service number on the back of my debit card to let them know the situation, they said they would get back to me within 10 business days. Going back and forth they weren't able to solve my issue. Till this day I have not received my missing {$200.00}. I call the branch manager, Mr. XXXX and I always get the " He's with a customer, he's on the other line, he's not here '' leave my number but never get a call back. I've been a customer with them since XXXX and its really frustrating how they simply cant resolve my issue. I have my boyfriend that could testify that all this information is true. I truly hope this can get resolved. 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 2021-05-27
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 information incorrect

Complaint:
XXXX XXXX is reporting 3 different dates for Date last active. This is in Violation, and needs to be removed from my credit report. 
XXXX  reports XXXX Transunion reports XXXX XXXX reportsXX/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 2023-11-08
Company: EQUIFAX, INC.
State: NC
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:
I recently received a copy of my XXXX, Equifax, or XXXX credit report, and I noticed a negative account reporting on my consumer report. I have been contacting XXXX, Equifax, or XXXX to remove this account ( see attached ) I have not given any company, credit agency permission to report this account onto my consumer report. THIS IS ILLEGAL! I did not authorize anyone to report this account on my credit report. This is Aggravated identity theft per 18 U.S. Code 1028A! I am asking this closed account to be removed from my consumer report and credit report! This is going against the law per 18 U.S. Code 1028A - Aggravated identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: OH
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 was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Report I'm also unable to get my XXXX reportb. I have accounts with XXXX XXXX that's was paid off yet it's reporting a balance Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
Inaccurate addresses XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX and XXXX its listed twice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX XXXX XXXX XXXX XXXX XXXX Hard inquries/promotional I HAVE NEVER DONE BUSINESS WITH THEM 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 2023-01-14
Company: Professional Placement Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've recently noticed a alleged debt that fell into derogatory collection account by a company under the name Professional Placement Services on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). The alleged debt has several inaccuracies, so how do I even know the debt is real? The inaccuracies are as follows : XXXX stated the date the date of last activity was XX/XX/XXXX, where as. XXXX states the date of last activity as XX/XX/XXXX. Furthermore ; XXXX is reporting this as an Open Account & XXXX is showing it as closed. XXXX has removed this alleged debt from my account due to it not being able to be validated. I also never received a method of validation letter. So how do I even know if the alleged INACCURATE debt even belongs to me or is truly my debt? I sent a debt validation request letter to Professional Placement Services via mail on XX/XX/XXXX. Tracking shows that the letter was received by Professional Placement Services on XX/XX/XXXX. It has been more than 30 days and I have not received any type of debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a notification on my XXXX XXXX that I had these inquiries made when I never wrote to these companies to pull my consumer report. Not only was my credit card ( social security number ) used without my written consent, for the extension of an yopen ended credit account, it was done fraudulently under a name that did not match my credit card and an address that was not real. I never received a right of recission. ( 15 USC 1635 ) let alone a finance charge which is necessary pursuant to federal law 15 USC 1605. to make things worse, this fraudulent activity wont end here, im sure they will send some sort of statements claiming I, The original creditor, owe a debt. Well, I want to make it very clear that i willl not pay that alleged debt. It makes no sense to pay money that my credit card originated. right? This headache has caused me mental harm because the Consumer reporting agencies XXXX XXXX AND TRANSUNION gave out sensitive informationg that they never had permission to. pursuant to federal statute, FCRA, my livelihood and reputation depends on the information and data that the aforementioned consumer reporting agencies harbor. Well, having those hard inquiries and extensions of credit under a mispelled name and also address that isnt even real has now caused me significant damage. my reputation and credibility have been damaged to a point where i must seek professional emotional and mental help. I will attach the FTC affidavit that was filled out. which took me more time to do off of their negligence. 

I filed the FTC report, i have now complained to the CFPB and I have my affidavit of truth with a whole lot of federal consumer right laws that have been violated. This will be the only opportunity that I will give XXXX XXXX and transunion to make it right and I invoke my specified remedy of {$5000.00} to be paid by each consumer reporting agency XXXX TRANSUNION AND XXXX, totaling {$15000.00} to be mailed out by XX/XX/2021 to the Consumer, I in Fact that you will see in the FTC affidavit that will be atttached. 

If a swift response isnt made on their end, I will continue with my affidavit of truth, citing over {$100000.00} woth of federal violations they willfully broke and my beautiful exhibits and I will notarize it and send it to the Attorney General and the XXXX and will take legal action.

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 2023-11-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am an attorney representing a personal representative of an estate. The estate owns the property located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Regions Mortgage holds the loan on this property with a principal loan balance of {$37000.00}. A foreclosure is not pending. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX Regions Mortgage XXXX XXXX XXXXXXXX XXXX unlawfully took possession of the property, changed the locks, put up a sign on the interior from XXXX and put a lockbox on the front door without notice, authorization or any basis for doing so. I have sent the attached letter to Regions Mortgage counsel, 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 monetary relief