BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-01
Company: Experian Information Solutions Inc.
State: MI
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:
These accounts are fraudulent : XXXX XXXX {$190.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2021-10-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
SEVERAL YEARS AGO MY PERSONAL INFORMATION WAS COMPROMIZED THROUGH EQUIFAX DATA BREACH. I HAVE RECEIVED A LETTER WHICH SAYS TO BE AWARE SO MY IDENTITY WAS COMPROMIZED. AFTER A YEAR I HAVE RECEIVED SEVERAL LETTERS FROM DIFFERENT COMPANIES THAT I HAVE OPENED AN ACCOUNT WITH THEM AND DID NOT PAY UNDER SOME FRAUDULENT ADDRESS. I HAVE CALLED AND NOTIFIED ALL THESE CREDITORS AND ALSO I HAVE CONTACTED THREE MAJOR CREDIT BUREAUS AND ADDED A SEVEN YEARS FRAUD ALERT. CREDIT BUREAUS ADVISED ME TO GET AN IDENTITY THEFT REPORT AND FORWARD IT TO THEM SO THEY CAN BLOCK THESE FRAUDULENT INFORMATION. IT HAS BEEN OVER SIX MONTHS THAT I HAVE FORWARDED THEM ALL THE REQUESTED INFORMATION BUT CREDIT BUREAUS REFUSED TO BLOCK OR REMOVE THESE FRAUDULENT INFORMATION THEY NEVER SENT ME ANY RESULT OF INVESTIGATION. I HAVE CONTACTED THEM BY PHONE AND BEEN TOLD THAT THESE INFORMATION WILL STAY ON MY REPORT FOR SEVEN YEARS. THESE FRAUDULENT INFORMATION IS REALLY HURTING MY CREDIT RATING AND MY LIFESTYLE. 
I HAVE JUST BEEN A VICTIM AND NOW SUFFERING BECASUE EQUIFAX COULD NOT PROTECT MY PERSONAL INFORMATION. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2018 I requested LexisNexis ( LN ) investigate negative information reported by the US Bankruptcy Court in the file maintained by my social security number. I challenged the accuracy, compliance and reportability of this listing. I sent a certified letter to LN. LN received the letter on XX/XX/2018. XX/XX/2018 LN responded to the letter stating to date we have not received a response to the dispute from XXXX, XXXX and XXXX. XX/XX/2018 I requested that LN update the letter stating that the information have been deleted or confirm that it is not in their data bankruptcy. The credit bureaus did not respond. LN did not correct or delete the information. XX/XX/2018 , LN responded with a resolution letter stating that bankruptcy case number XXXX is accurately reporting. 
LN is reporting a Chapter XXXX beyond 7 years of the filing date. 
LN is reporting my name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and my social security number is XXXX. I am requesting that LN delete all names and addresses associated with the names and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: TD BANK US HOLDING COMPANY
State: TX
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:
XXXX delete 3 collection accounts that after an investigation dispute XXXX  and collector fail to provide proper documentations to validated the debt and Collectors report only to XXXX XXXX and delete this accounts I contact XXXX and XXXX  to investigate why collectors did not report properly to the other credit bureaus to delete the accounts and dispute was summit it and never received no documentation under section 623 My compliant is to correct and update this information properly to all credit bureaus and delete this inaccurate accounts that dont belong to me XXXX XXXX XXXX Account # XXXX Deleted XX/XX/2020 by XXXX  Td bank used credit Account # XXXX Deleted XX/XX/2020 by XXXX XXXX XXXX XXXX  Account # XXXX Deleted on XX/XX/2020 by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: PENTAGON FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
I was on the PenFed credit Union website just browsing for auto refinance prices.I found an offer clicked continue to view terms and fees just to get an estimate and my credit was ran and a XXXX point inquiry on 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 2021-10-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
CHASE BANK IS PURPOSELY DELAYING SENDING ME A PAY OFF STATEMENT IN WRITING, TO FORCE THE HOUSE TO GO TO SHERIFF SALE 9 DAYS FROM TODAY. EVEN THOUGH THEY KNOW THAT I HAVE A CASH BUYER WHO NEEDS THE AMOUNT IN WRITING TO WRITE UP A CONTRACT. THIS IS BECAUSE THEY WANT MY HOUSE. THE FIRST LOAN 'S BANK OFFICER SAID THAT CHASE ASKED THEM FOR THE PAYOFF AMOUNT. THE FIRST BANK SENT ME THEIR PAYOFF AMOUNT IN WRITING. CHASE IS STOPPING THE SALE BY DELAYING THE TRANSACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclays XXXX XXXX XXXX has implemented a fix company policy where it manipulates the amount of revenue the company can generate in card fees by developing a systemic policy that refuses to let card holders downgrade their card to one with a lesser fee when usage has been modified even after the Barclays company reduces the credit line on their own accord, ensuring that Barclays can continue to generate a significant amount of revenue by charging the same cardholder fees to the holder even if Barclays elects to reduce the card holder credit lines both negatively affecting the card holder 's credit rating by decreasing their line of credit and charging the cardholders more fees for less services. I have contacted Barclays every 3 months for 26 months and requested that I be allowed to revert my card back to the original card with a {$99.00} fee and have been told " I am sorry sir, that offer is not available for you at this time. '' When I questioned the representative further they stated that they have never seen that " offer '' available to anyone at anytime since they worked there. Instead of allowing you to downgrade your card, Barclays tries to enforce a fixed policy where you have to reapply for a " new card '' and take an additional negative impact on your credit score, when you already have an open and available line of credit, in an unscrupulous business practice that ensures the company a set amount of generate income at the detriment to consumers credit scores.

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
Consumer complaint received 2020-09-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My primary bank is Chase. On XXXX XXXX I attempted to make wire transfers. Twice they were rejected, I contacted Chase and was told there was a problem but it should be OK to try again. ( They could not tell me what the problem was ) Third attempt was again rejected - no explanation. I then went XXXX, which is provided by the bank. I was able to send money on the XXXX, XXXX and XXXX of XXXX. I attempted to make a fourth transfer on the XXXX, to the same person and same amount -- it was rejected, with no explanation. I then went to my local bank to speak with an agent there as my account was now locked. 
The agent was very helpful, got my account un-locked, but had to tell me that I could not make any more transfers via XXXX. He also was not given a reason. 
To add to my annoyance with Chase, on XXXX XX/XX/2020 my debit card was locked. On that card I have automatic payments to my mail order pharmacy, among others. Thus my medication order was rejected. Again no reason for locking my account was given. On the phone calls I made to the bank, ( XXXX only knows where I was calling ) twice I had to recall because the person on the other end barley spoke English and on three occasions I was disconnected during a transfer to someone else. I still have no answers, no one has returned my calls and I have no idea how a bank could operate like that. I have been a customer for more than 10 years, at the start of this process my accounts held over {$20000.00} and my credit rating averages over XXXX. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/2017 I complain to MIDLAND FUNDING regarding XXXX and XXXX that these accounts are not MINE, so I send them so many letters to delete this information from my credit report but the not only ignored my request but they already violated the law of FDCPA and FCRA as still, they are reporting in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was lead to check my credit report during the time I started to work towards purchasing a home. I found that XXXX XXXX XXXX was reporting for an unpaid debt and sold to a third party collection company. The original creditor refused to even speak with me in regards to this account and referred me to the the third party agency. After contacting the collection agency, I found that this account was established by my mother ( who is now deceased ). Ive sent proof that I was not responsible for this account. During the investigation, I requested information pertaining to this debt to no avail. Since the investigation, Ive decided to settle on this debt due to the hinderance in the process of purchasing a home, however, Ive since disputed both creditors and have yet to receive any supporting documentation pertaining to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: GUARANTEED RATE INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I originally contacted Guaranteed Rate Affinity ( GRA/Lender ) back in XX/XX/XXXX to be taken out of COVID-related forbearance, and to be considered for a retention workout ( deferment and/or loan modification ) of my unpaid balance. 

The company informed me that I needed to make on-time monthly payments starting XX/XX/XXXX as they " worked toward a retention workout solution. '' I have made on-time payments every month from XX/XX/XXXX through XX/XX/XXXX ( 7 payments as of today, with the 8th payment scheduled to arrive by XX/XX/XXXX ), but I have not received any resolution. 

During this time, the lender has denied my request for a deferment of the unpaid balance. The lender did not provide any documentation or explanation regarding their deferment denial decision. I requested to be considered for a loan modification. The lender denied my request for a loan modification. The lender did not provide any documentation or explanation regarding their loan modification denial decision. 

According to my records, I have reached out to the lender on the following dates since XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX During these calls and emails to the lender, although I requested to speak with the Specialist assigned to my account, I have never spoken to the Specialist assigned to my account. However, I have spoken to customer services representatives ( CSRs ). Each time I have spoken with a CSR I have requested to following : - Information supporting their deferral denial and loan modification denial decisions.

- Escalated service support ( a callback and/or email response ) from a manager for the specialist working on my loan account.

- Information to submit an appeal to their deferment and loan modification decision.

I have not received any information regarding my requests.

I am without any resolution, and the lender continues to vaguely respond by stating : - " Management is working on getting a resolution. '' - " Please continue to make on-time payments until we receive the resolution. '' - " The specialist working on your account is not available at this time. '' I am in " limbo '' without any next steps information, and I am unable to refinance my loan with another lender due to this. The lender is negligent, untimely, and unable to service its paying customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
USAA notified me via internal messaging that my account had a security issue on XX/XX/XXXX. 
I called that night and they told me that everything was fine and that if there were other issues th ey would send another message. That week issued checks for credit card payments, children 's t uition and my rent. On XX/XX/XXXX, I was informed by my landlord that my rent check bounced, my credit card companies told me that my direct pay was not honored and my church that again my donation check bounced. I was fined {$82.00} for all of this and when I called USAA I was bounce d around to several departments and after 75 minutes I was told that my account had been froze n but that I was never notified. They froze my account because they thought the money that I se nt to my wife was suspicious but never told me. I was told that a service representative would ca ll me on XX/XX/21 by XXXX and they never did. I was told that on Monday ( XX/XX/21 ) after again on t he phone for over 90 minutes that all was okay with my account only to find out that my bill pay had been suspended. I want to be reimbursed for the {$82.00} fines and a letter drafted and faxed to me ( XXXX ) that my accounts are NOT FROZEN as none of my credit card companies will allow direct payment without it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX switched from XXXX to XXXX and chose Citibank as the provider. Citibank canceled my card when I closed my XXXX account. I had a balance and continued to make monthly payments through autopay. Citibank deducted the amount from my bank account automatically. I tried to login into my Citi account online. After a lot of hassle trying to login, eventually I was informed that they closed my online access because my card was canceled. I was unable to access my account online due to their " policy '' choices. Consequently, I was unable to see my balance and the current interest rate. I was also not allowed to set my statement preference to paper billing. Thus I was unable to view my account online and they wouldn't even send me a statement monthly. I was told I could request a statement to be mailed to me, but they will not send them automatically each month. 
In order to request a statement I have to call in and jump through their phone-robot hoops, then wait on hold for a bank representative to positively identify me and then take my request for a paper statement. This is a substantial WASTE of time just to receive information that should be readily available to all customers, all so Citibank can keep their operating costs far below the bare minimum necessary for adequate customer service. 
In XXXX I called Citibank and authorized them to withdraw funds from my checking account to payoff my account in full. They quoted me the payoff balance and I agreed. They withdrew the funds and closed my account. I asked for confirmation that my account is closed and they sent me an email. The email states that my account balance is zero and the account is closed. In XXXX I received an email that my balance is $ XXXX [ between {$10.00} and {$20.00} ]. I clicked on the link in the email to contact them. The link led to a page that never populates, only for the word " loading ... '' appears. 
How is it OK for one of the biggest banks in the world to operate with either severe incompetence or utter disregard for its customers? 

Attached screenshot was taken several minutes after clicking the link. It is the same result after trying multiple times.

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 2017-12-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a XXXX Internet service, but XXXX did not get the service setup - indeed I have attached a voicemail message from a XXXX representative where he states that the service was not setup, however XXXX proceeded to bill me for the service that never was setup and never provided. I have several times reported this both to XXXX and to the debt collector that XXXX gave this over to - all to no avail as they just say their records show I received the service. The fact is they could not setup and provide the connection to my home and acknowledged this in the attached voice message left on my phone answering machine ; however, XXXX continued to bill me for what never got installed. I sought internet service and they threw in a phone line as a special addon offer, but I never received any of these. Indeed, after a year of disputing and getting their acknowledgement that they in fact never sent me the box with their modem that was part of the original order, they then, one year later without my knowledge, sent the the useless box with modem that could not be used because they had never completed the line setup to my house and the service obviously was not setup even then. For many years I have tried to straighten this out but my credit has been lowered due to their false claim on my credit showing " XXXX XXXX  XXXX '' for " XXXX '' as a bad, unpaid debt on XXXX, Equifax and XXXX all to my damage. Even with my proof ( see voicemail from their rep attached ) it never was installed, they insist their records say otherwise. These arrogant companies deserve to be fined severely and pay for the damages they cause!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have two Discover credit cards. I used XXXX XXXX bill pay services to pay the XX/XX/XXXX payments and received delivery confirmation on both checks. One was on XX/XX/XXXX ( Amount {$300.00} ) and XX/XX/XXXX ( Amount {$750.00} ) respectively for each card. Both checks are CONFIRMED as delivered by XXXX XXXX XXXXs. To get the payment address I used XXXX to locate the Discover website that published the payment address by typing " payment address for Discover Card ''. 
The search resulted in the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This shows XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX as the payment address. Furthermore, the link goes to : https : //www.discover.com/XXXX  which is a published web page for Discover payments. The checks I mailed to this address were not cashed ; however I have payment delivery confirmation. A few weeks later, Discover reported me as 30 days late on my credit report for both accounts. Upon calling them to find out why, they maintain that the published address on their website is NOT the actual payment address and even though I have delivery confirmation, they refuse to reverse the negative credit reporting even though they were paid by me. 

This situation, through no fault of my own, has caused my FICO score to drop over 100 points and has caused me to be declined for credit on several very important loans. Discover should reverse the negative report since I can clearly provide delivery confirmation for the financial instruments and used a clearly published address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: NC
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 HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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