BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$310.00} XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-07-08
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Im filing a complaint on this company for multiple reasons XXXX. XXXX XXXX XXXX I was in the process of shopping for a new bank account as I pulled my credit I have noticed that XXXX XXXX XXXXXXXX charge Off this account on my credit and I have never received a XXXX form can you please go ahead and send that now. XXXX. To Whom it XXXX concern, While looking at my credit reports I have noticed the following account had a discrepancy in the payment history '' section of the listing XXXX XXXX XXXXXXXX XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXXXXXX XXXX XXXX When the requested above deletions are made, please mail me an updated copy of 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 2022-01-03
Company: EQUIFAX, INC.
State: HI
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:
Good morning, I am currently having issues getting reports through all 3 credit bureaus. I feel like I have been breached through Equifax back in 2017. All 3 bureaus have different scores from each other. When I am able to look at old reports there is Inquiries that I haven't made. Also, in XX/XX/XXXX I had to file a fraud to my bank ( XXXX XXXX XXXX XXXX ) and XXXX  because someone set up an account in my name through money lion with a credit line and money loan and spent {$500.00} on gift cards through credit line and {$500.00} with a personal loan that went to a XXXX XXXX account. I did get reimbursed, but I feel like that's what's causing inaccuracy and problems now. Since im more involved in my credit report due to Medically retiring out the Army I have been running into problems like report info not being correct to Credit apps saying my info doesn't match the database. I also typed in my social to the Equifax settlement page and it does say I have been affected. I wish to see reports and info from XXXX and now too because I did get an alert stating my social, email addresses and passwords were leaked to the dark web. Sorry for all this info but I am pretty stressed trying to fix all these problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-09-14
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am the victim of identity theft. 
In XXXX of XXXX I placed a Credit Freeze on my credit report with Experian. 
In XXXX, some criminal took out a credit card in my name and address with XXXX XXXX XXXX XXXX XXXX. 
I informed XXXX XXXX on XXXX about this situation and they informed me that they would perform an investigation. 
On XXXX they sent me a letter stating that they see nothing wrong with the account and I am responsible for the account balance. 
Please help!

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 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was scammed of {$970.00} from an online shoe purchase. I disputed this with Bank of America on XX/XX/2022, and since then there has been no resolution to this incident. I am filing this complaint to get help in getting a resolution to this scam that I been targeted of. My case number with Bank Of America is : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2018-04-28
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I called my mortgage company to ask them to stop paying my local real estate taxes out of my escrow account because I was doing that now. 

On XX/XX/XXXX, my mortgage company paid my real estate taxes anyway, {$2000.00}. On XX/XX/XXXX, I closed my escrow account so they wouldn't pay any of taxes again. 

I then had to fight with my City to refund the extra tax payment. They did so by sending a check to my mortgage company on XX/XX/XXXX. XXXX. ( see e-mail confirming that ) So, I then started calling my mortgage company to get those funds. Each call lasted between 15 and 25 minutes. At each call I asked them to call my cell phone if there were any problems with my request. 

XX/XX/XXXX : they said they received the check but have not yet processed it. 
XX/XX/XXXX : same story XX/XX/XXXX : they have received it and will process my request XX/XX/XXXX : I was told there was a problem because the funds were deposited into a non-existent escrow account, so another procedure had to be started. And they would expedite my request and I should get it in a week. 
XX/XX/XXXX : I was told that it takes two weeks to process the request, so it should be done in another week. 
XX/XX/XXXX : I was told they sent me a e-mail on XX/XX/XXXX with some questions they needed answered. But I did not receive such an e-mail, but what are the questions and I will answer them. They said they didn't know, but they offered to start the process anew. 
XX/XX/XXXX : I called to tell them I was contacting my state Attorney General. 

My state attorney general said to file a complaint with the CFPB, so here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
TMS allied and servbank, You, have been served and are being sued by me. I have subpoena power. But I also get to reduce my cost and request information directly from you. I demand you provide me with the names of the leadership team in XXXX who decided to enforce contract XXXX despite the promises made prior. 

I demand to know the name of the person who authored the XX/XX/2022 letter to me making promises to cancel, remove from credit bureau and remove at insured. 

I demand to know the name/s of the authors of letters and CFPB responses at the lead counsel office. 

If you fail to provide these names then you are forcing me to file subpoenas and once again stealing money out of my pocket needlessly. 

Regards, XXXX XXXX XXXX plaintiff

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Closed on an investment property last summer. First payment was due XX/XX/XXXX. So I went to loan servicers website & set my account up in XXXX for payments to be on auto draft. On or about XX/XX/XXXX, I got a letter that my first payment had not been made & I now owed 2 payments. So I went online to the site & it said that auto payments was set up. I then called the company & paid both payments with my debit card. The lady said she could see that I was on auto pay. She said not to worry, no charge would come to me. So I thought it was taken care of. 

I applied for another investment mort. Loan & was made aware that the late payment showed up, even though it was obviously a fault in their electronic system! I filed a complaint with them & they came back with not finding any fault on their part!!! 
The Company is XXXX and the account # is XXXX My name is XXXX XXXX XXXX. My name as well as my business partner is on the loan as well. Her name is 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 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2022 : received two emails from bank of America, first one asking to verify my email, and then directly afterwards that I was approved for the " XXXX XXXX XXXX XXXX XXXX XXXX '' Did not open/respond to either emails at the time, thinking it was someone phishing and I was at work. 
XX/XX/2022 : received an email from bank of America, saying my credit card was on the way with my correct address. Email looked legit so called bank of America the next day to close the account unable to get to the correct person at that time. 
XX/XX/2022 : Bank of America account closed, no charges made to the card.

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 2023-04-29
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, I sent {$200.00} through XXXX. 

4 days later chime incorrectly charged me a duplicate of that transaction. I went through costumer service and within 24hrs they corrected their mistake and credited me back the dumpy charge of {$200.00}.

10 days later after the first incorrect duplicate charge, chime charged my card AGAIN for the same balance of {$200.00}, I spoke with the merchant ( XXXX ) and everything was fine on their end. They Instructed me to contact my bank and and let them know it was an incorrect charge. 

Instead chime allowed my card To be- {$200.00}. And when my direct deposit hit, they paid the incorrect duplicate fee with direct deposit. Now fighting back and forth with specialist through phone and email for almost a week they have yet to refund me the incorrect charge.

I have also done a 3 way call on XX/XX/2023 around XXXX with chime and the merchant ( XXXX ) where the representative for XXXX  went through my banking and CONFIRMED the duplicate charge was incorrect. 


Coming from someone who makes {$350.00} a week. And lives paycheck to paycheck, that {$200.00} was my rent money and hurt me financially and mentally. I still have yet to receive a refund as I type this. Stay clear away from chime banking its not worth it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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: Information belongs to someone else

Complaint:
I sent a dispute letter each addressed to the Credit Reporting Agencies on XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed fraudulent items from my Credit File in accordance with the FCRA section 605b. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft theft. I am submitting this CFPB complaints to exercise my rights in accordance with the Fair Credit Reporting Act section 605b, and requesting that the Credit Bureaus remove the disputed accounts and information as soon as possible. Please investigate and remove the following items from my Credit file : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} KOHLS/CAPONE XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX If the Credit Bureaus would claim that the disputed accounts belong to me, I request that the Credit Bureaus send me copies of proof of verification or any documents that has my signature on it to prove that the disputed account belong to me. And if the Credit Bureaus are unable to find such document, please have the disputed items deleted as soon as possible.

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 2023-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A card was sent in my name from Capital One to my neighbor house XXXX XXXX XXXX is the address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: Nationwide Credit & Collection, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I had a " severe '' XXXX XXXX, so we attempted to go to XXXX XXXX. 

We checked in at the front desk, and then basically sat there for more than 5 hours without receiving " any '' treatment for the problem. 

We finally ended up leaving the emergency room, and went to another hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Not sure how many times and how many ways one can say that his identity has been compromised and used to fraudulently open up accounts and hospital Bill 's inwhich that is the case here, Therefore I'm demanding that the following accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX {$1400.00} 2 ) XXXX XXXX {$1300.00} 3 )  XXXX XXXX XXXX  {$14000.00} 4 ) XXXX XXXX {$4100.00} I'm requesting physical documentation inwhich supports the major credit bureaus for reporting these accounts. Exactly what Method of Verification was used when reporting these fraudulent accounts to my credit file. Please remove immediately.

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 2023-07-09
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was able to transfer out {$50000.00} from my AMEX Savings account to my XXXX bank account on XX/XX/XXXX. I received no warnings or alerts about this transfer. Then after threatening to take the rest of my money out of AMEX given poor customer service, I went to follow through on that. On XX/XX/XXXX, I transferred another {$30000.00} to the another account under my name at XXXX XXXX, which had been verified via trial deposits, but this time AMEX held the transfer and completely froze my account. I called AMEX per the website 's instructions on Saturday XX/XX/XXXX given I was unable to transfer any money from my account. The rep told me I wouldn't be able to do anything until Monday given the banking office I needed to talk to was closed. I have no idea why AMEX would restrict funds transfer to a bank registered in my name only AFTER I had threatened to transfer the rest out ( especially after allowing a larger transfer just 2 weeks before without any fraud alerts ) other than being punitive and spiteful.

Company response to consumer: Closed with non-monetary relief