BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: EQUIFAX, INC.
State: VA
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:
The following accounts are showing on one or more of my credit reports and need to be removed due to fraud. I already have the fraud alert on my file, I just want them removed. Please make that happen. I have attached a police report listing all derogatory files and my proof of identity. 

Someone obtained m y social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Both accounts ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX for {$120.00} XXXX   XXXX  for {$730.00} Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX Inquiry : XXXX XXXX, XXXX ; 2. XXXX Inquiry : XXXX XXXX, XXXX ; 3. XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; 4. XXXX XXXX XXXX Inquiry :  XXXX XXXX, XXXX ; 5. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; 6. XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; 7. XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 8. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 9. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 10. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Spoke with Caliber Home Loans to get and update on the mortgage modification request spoke, with XXXX XXXX customer service who advised that a FHA HAMP modification has been approved for XXXX trial payments. XXXX, XXXX, and XXXX in the amount of {$1000.00}. I asked XXXX for the break down of the payments XXXX advised interest rate 5.25 % principle & interest {$700.00} Escrows ( tax, insurance, PMI {$380.00}. XXXX stated the mortgage payments were only behind {$4900.00} the escrow is XXXX, PMI is {$1200.00} for XXXX, XXXX, XXXX and XXXX XXXX stated a partial claim was filed for the delinquent mortgage payments Caliber notes in their system states PMI claim in amount of {$51000.00}. Why is a claim being filed in the amount of {$5100.00} against the PMI insurance when we are only delinquent in the amount of {$4900.00}. They have increased our PMI insurance in the modified mortgage payment. Please Help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I deposited a cashiers check for {$1100.00} through a Huntington ATM into my checking account. On XX/XX/2020, those funds were posted into my checking account. That money was then sent through XXXX, provided by Huntington, to another person. On XX/XX/2020, the funds were reclaimed by Huntington along with a {$10.00} fee for a returned deposit item. I immediately called Huntington upon learning of the return. I filed a case with Huntington and XXXX. I have also filed a police complaint with the XXXX ( Ohio ) Police department and the FTC. Though I have no idea if that was the correct federal authority. The cashiers check was sent to me through XXXX for the purchase of an aquarium that I had posted on XXXX. Apparently the cashiers check was fraudulent. However, I had no way of knowing that until the bank informed me. I had done the due diligence that I could do in assuring that I was not depositing a bad check It was a cashiers check. My understanding was that a cashiers check was as good as cash. I had 2 phone numbers with which to contact this person. I had an email address. I also had a tracking number through XXXX. Understanding that everyone tries to be cautious with personal information when dealing with XXXX, I believed that I was protected. My options for further investigation are limited, obviously, as the typical citizen is not an expert in fraud, nor do I have access to another persons bank account. Huntington should not have cleared the check until they were aware of whether it was a valid check or not. If I had deposited a check from a neighbor that had insufficient funds, the bank would not have given me access to that money. Huntington informed me that it was my decade of being a good customer to them that encouraged them to release the funds prior to inspecting the check. The first Huntington employee stated that there should have been a hold placed on the check. When I inquired as to whether the bank would have been able to tell me if I had entered the bank, I was told no. Clearly, I have been a victim of fraud from the person that sent the check, but if I cant count on the bank to inform me properly, what protection do I have?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
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:
Dear Sir or Madam, how are you, i am attaching a packet of inquiries and many attempts of my inquiries that have been ignored and inquiries that have been inquired multiple times, which i wrote notes in sides. i even added which Bureau deleted and which did n't. XXXX is the worst to deal with and i have been dealing with these headaches for over 6 months now and not to mention time and money spent on priority mails. i hope to get this resolved soon so i can move on with my life. i am looking to refi my home and do not want to be homeless with my XXXX  babies. please CPFB do as much as you can to remove this and i believe this will raise my score a bit and if not then atleast make me look presentable to my future lenders. i really appreciate your help. Thank You.
PS.. please get back to me as soon as you can, i want to refi soon before the rates go up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EVERBANK, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
TIAA is delaying giving me PAYOFF statement. My new refinancing company and I have request it 6 times since 3 weeks ago. TIAA keeps on saying it is processing and that it takes 3 business days. I think TIAA is avoiding issueing payoff statement and is trying to delay my refinancing. Here 's the info of the TIAA -- XXXX : XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/19 at XXXX on Coinbase I sent {$300.00} to XXXX They say the transaction is complete but my money is not there. They will not discuss it with me over the phone and refuse to answer my emails. I dont know what to do Im out {$300.00} and they just get away with it. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Initially reported company to CFPB XX/XX/2019. Company assured that they would correction their error of reporting that I was 30 days late. Company did NOT correct report but yet reported me as now being 90 days late. This has caused me not to be able to send my son to college this semester because his student loan was denied because of the false reporting. Im out of {$7500.00}. This is beyond stressful and illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: I.C. System, Inc.
State: VA
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: Billing dispute for services

Complaint:
I am writing as a victim of the XX/XX/XXXX XXXX  security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to IC SYSTEMS INC and requested they only contact me by mail. 
The only response provided from the debt buyer is an invoice sent on XX/XX/XXXX, they have been unable to provide me with the original contract, account history and other documents requested. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. The account was originally closed with the original creditor verbally on XX/XX/XXXX due to the sale then eventual death of the pet seen by XXXX XXXX XXXX. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by IC SYSTEMS INC regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated.

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 2019-08-16
Company: EQUIFAX, 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:
I sent a letter for Eqifax and also I have faxed a letter with my id and ssn card photo on the top of the letter and asked to change of my address and removing the wrong address also I asked to remove the hard inquiry that is not belonging to me and I explain for them that is not from me and they didnt remove it also they have my name wrongs. 
Because of the false and wrong reports Equifax caused me a lot of problems and effected on me as a XXXX XXXX and also effected on my Childrens life Equifax preventing me to grow on my financial life thats effected on my family as well. 
The personal statement that Equifax is reporting to any creditor it caused me to not having any credit card or any loan to make my families life easier! Im wondering why??!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Received a title loan from one main financial. Was told the interest rate but now it seem to be much higher than orginal quote. Also, I have made 14 payments in the amount of {$150.00} bi- weekly this was suggested to pay off the balance quicker and I added an extra XXXX to the payment. If the interest rate is 38.98 % of a XXXX loan and only a {$1000.00} dollars of {$2100.00} dollar payment it seems to me that the interest rate is higher than expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: JPMORGAN CHASE & CO.
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:
I was stationed overseas and experienced identity theft, two credit cards were opened on my name. One from XXXX XXXX and One from Chase, I have never done any interactions with either bank before this issue occurred. The purchases and use of card was done in the US while I was overseas. I have attempted to resolve this with the companies but since I had no information other than my name and social they couldn't help me. I have disputed this charges through the credit bureus and Federal Trade Commission. I would appreciate all the help I can get, these cards have ruined my credit score, I have never missed payments in the past and now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I was stationed overseas and experienced identity theft, two credit cards were opened on my name. One from Capital One and One from XXXX, I have never done any interactions with either bank before this issue occurred. The purchases and use of card was done in the US while I was overseas. I have attempted to resolve this with the companies but since I had no information other than my name and social they couldn't help me. I have disputed this charges through the credit bureus and Federal Trade Commission. I would appreciate all the help I can get, these cards have ruined my credit score, I have never missed payments in the past and now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: GA
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 HAVE NOTIFIED THE CREDIT REPORTING AGENCYEXPERIAN THAT I AM THE VICTIM OF IDENTITY THEFT ON 4 SEPERATE OCCASIONS AND THE ACCOUNT REMAINS THE CREDIT REPORTING AGENCY EXPERIAN IS IN VIOLATION OF SEVERAL FCRA LAWS I HAVE SENT SEVERAL DISPUTE LETTERS VIA CERTIFIED MAIL AND ALSO SENT AN FTC IDENTITY THEFT AFFADAVIT I AM PREPARED TO TAKE LEGAL ACTION VARIOUS DATES OF DISPUTE BELOW XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2019-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a settlement with Bank of America several years ago and they have recently tried to take out a garnishment from an old bank account I no longer use, this debt was settled a long time ago.

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 2021-02-25
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wife had planned a trip and used XXXX for travel arrangements. She used my credit card issued to me to pay for the trip. The trip was booked months in advance and my balance was paid off in full. Months later the pandemic struck our state of NY and the world. All trips were cancelled and a vacation was the last thing on all of our minds, nevertheless we contacted the credit card customer service and explained the situation. We were told no refund would be given, and that the policy is that no dispute of charge after 60 days. This was a {$1800.00} charge and I have tried on multiple occasions to resolve this. I have full documentation and proof substaniating my claim and the department refuses to reopen this matter. I still have the account ipen in hopes they will issue me credit. Attached are documents faxed multiple times to Barclays of Delaware. Please feel free to contact me for more info.

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 2020-11-21
Company: ID Analytics, Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent three requests to Sage Stream to freeze my credit file. I sent all the required documentation and they stated that they could not confirm my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
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:
I was stationed overseas and experienced identity theft, two credit cards were opened on my name. One from XXXX XXXX and One from XXXX, I have never done any interactions with either bank before this issue occurred. The purchases and use of card was done in the US while I was overseas. I have attempted to resolve this with the companies but since I had no information other than my name and social they couldn't help me. I have disputed this charges through the credit bureus and Federal Trade Commission. I would appreciate all the help I can get, these cards have ruined my credit score, I have never missed payments in the past and now.

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 2020-07-06
Company: JPMORGAN CHASE & CO.
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: Was not notified of investigation status or results

Complaint:
I sent in a payment in full to the wrong address via mail and it came back to me, so I resent the payment in full which has now cleared chase card services. This is literally 2 days after the due date. I have moved 2 times in the last 120 days and have been dealing with major health issues in my family. This was clearly a mistake on my part to not make sure I am on auto pay and apparently for this one card I wasnt. My balance is zero and I have a perfect payment history except for this one mistake. Chase has told me that they will not remove this negative report even though I have paid everything in full. Is there anything I can do here, especially in light of the pandemic, etc?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX im ' not gon na sit here and say that in a courthouse, everytime ive written you, an objection here and there and maybe i would not of even be allowed to express why they XXXX up not my problem ... 

today i got a letter from chase bank i love how they go we completed the research if your claim, we all know its a 3rd party company usually fbi who decides for chase the outcome ... .and btw, i never knew that chase bank wasnt kocated in manhattan rather XXXX  XXXX XXXX, texas XXXX XXXX 
acct ending XXXX claim # XXXX im ' gon na send you the letter they sent me tomorrow. and ill keep it simple call them fax my letter and ask chasevid that is what they sent me? when they go yes can you please show me on those two pages somewhere at this timebyou entered your pin number for your debit card? not there..how about my signature to verify that i bought the item disputed? oh its not there but they go XXXX me and were making you psy for it. next ask them if my name was on a flight the following day? so how the XXXX one person two diff dates onevaftervanother on both planes? add no signature no pin number?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-24
Company: HOVG, LLC
State: GA
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 have a potential debt for XXXX XXXX XXXX services on my credit report from XX/XX/XXXX. It says that it is from XXXX XXXX response in which I was not in an ambulance in XX/XX/XXXX. I requested more information on the debt from all credit bureaus and have not received anything. With all disputes resulting in the collection saying that it is verified but no information AT ALL. The beginning of XX/XX/XXXX, It was deleted from all reports after filing another dispute in XX/XX/XXXX asking for more information again. Today it reappeared on my XXXX  report. I have not received any notice of this account being added back. The account is still not on the other two but do not know what to expect. Why am I being denied more information on an account that is on my credit reports?

Company response to consumer: Closed with explanation