BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX,, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
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 have been trying to buy a car so today XX/XX/20 I went to the XXXX dealership and when they ran my credit to see if I qualified for an auto loan I was told I did not qualify because there were too many accounts with negative credit history on my credit. I looked through each account and there are five accounts and a few inquiries on my credit report that do not belong to me ; I don't know why those accounts/inquiries are on my credit report or who they belong to but I did not authorize anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards these accounts. I have already filed a police report in regards to these unauthorized accounts.

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 2021-01-24
Company: EQUIFAX, INC.
State: NV
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 recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me I also feel like these companies on my credit report have violated some of my rights 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts These items have cause such trouble in my life I just want them gone Im seeking litigation for a few of the accounts as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: AXOS FINANCIAL, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Axos Bank failed to pay my homeowners insurance through the escrow account I have in a timely manner. As a result, I needed to pay a {$10.00} late fee to the insurance company, which I did. To obtain reimbursement from Axos Bank 's for the late payment I paid directly to the insurnace company, I contacted Axos Bank by phone and was told to submit my reimbursement request by email. Included in the email I sent to Axos was proof of the {$10.00} late fee being charged and me paying the late fee. At this time I still have not received reimbursement for the late fee and this issue began in XXXX XXXX. 

A similar issue occurred in XXXX when Axos Bank failed to pay my homeowners insurance in a timely manner. A late fee was not charged in XXXX, as I directly paid the insurance company prior to a late fee being assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: NJ
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 disputed a medical bill thats under {$500.00} on my report multiple times over a few years time in an attempt to have it removed and it has yet to be removed.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This complaint is about correcting my credit score because of an error made by the bank providing service in delivering monthly statements which caused a delinquency. I disputed the facts and the bank corrected the mistake, but continued to tell me that my score could not be reinstated. It dropped from excellent to good. The XXXX XXXX reported its conclusion and corrected the report, but the score continues to be good. I'm dissatisfied with the entire process and are now suffering a lower rating to the point that yesterday XX/XX/2022 I was denied a credit card application.

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 2019-03-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was travelling in XXXX, XXXX in XX/XX/2019. I lost my HSBC cash rewards master card when I was in XXXX. After I came back to the US from XXXX, I found out an unauthorized transaction of {$2200.00} happened on XX/XX/XXXX and I realized that I either lost my card or someone took it from me. I reported the situation to HSBC and hoped that they might be able to help me resolving the issue. But they denied my request. They are not being helpful and useful during the whole process. Please help me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I received a payoff amount from Bank of America. I went the next day, got a Cashier 's Check in the amount of $ XXXX and sent to them in the exact amount they provided to me. They did not process the check until XX/XX/2020 and debited my account for approximately {$700.00} more than was owed ( my normal monthly mortgage payment ) ( XXXX ). Long story made short, they applied the entire payment to payoff the loan, added the excess to the escrow, sent my Cashier 's Check back to me and charged me one day of interest. It appears they did not take into consideration that there was a $ XXXX shortfall in the escrow account when providing the payoff. 

I spoke with them on XX/XX/XXXX after seeing the payment processed and was assured that the payment would be returned to me within 10 days. The Cashier 's Check purchased for the payoff was sent back to me on the XXXX of the month. I had called twice by then. The third call I made was on XX/XX/XXXX. That is the date on the envelope in which the return payment was made, although the check was dated the XXXX of XXXX. Curious that the check was mailed on the very day I suggested that I would be filing a CFPB complaint. 

I have asked them to pay the amount of the CC purchase ( {$5.00} ), the {$30.00} stop payment fee I paid to avoid a subsequent auto-debit to my account and the one day of interest. Crickets. 

My questions are : 1. Why did they not review the escrow balance when quoting the payoff? 
2. Why did it take so long to process the payoff? ( I received their check in 3 days ) 3. Why did they debit the total payment, hugely in excess of what was owed? 
4. Why was I not told on the first 2 calls how the payment was applied? 
5. Why was the return payment not made via ACH, which is the method by which they received payment? 
6. Why did it take 3 calls, on each of which I was told the check had been mailed on XX/XX/XXXX ( it hadn't even been cut yet )? 
7. Why did it take 7 days to mail the check once it was produced?

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 2019-08-11
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recieved a transfer of funds from someone for purchase of computer and the funds were fraudulent they froze my account and stated that freeze would be removed when investigation was complete so I was later told needed to close account and open another because funds had been released and now someone different was trying to withdraw funds so money was mine and could get it and deposit it in new acct. went ti bank where branch manager phoned fraud department who stated same thing that funds were mine and 8 could withdraw them and deposit some in new account, which I did and a few days later was told that funds were returned to person claiming that he dud not make deposit and now they claim I am responsible for those funds I don't belive I am responsible for any funds due to fact manager was told same thing that funds were mine to do with as I pleased and that someone not me was trying to withdraw funds and with proper ID could release funds to me and open new acct. with those funds or withdraw them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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 am STILL fighting to get these charges off of my credit, that were removed and then they put them back on there. XXXX XXXX XXXX the Billing company for XXXX XXXX and XXXX XXXX. I have been trying too get the information from the claims that were billed to my insurance company, billed claims, denied claims, correspondence with my insurance company. XXXX can only provide the invoice from the collection account they " brought '' from XXXX XXXX  and when I attempt too contact XXXX XXXX  or XXXX XXXX both companies have been closed down permanently, due too lawsuits from fraudulent billing charges. I also checked the XXXX  all three companies XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX  have complaints for fraudulent billing practices. I feel these charges are a scam, especially since they can not provide any proof or even the dates that I supposively used their services. I have disputed and filed complaints on MULTIPLE OCCASIONS. Can someone check into these fraudulent companies with their fraudulent charges.

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 2022-12-15
Company: Nelnet, 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:
Someone opened a XXXX XXXX XXXX, Nelnet loan, and XXXX under my name. Identity theft. I've disputed several times fraudulent and they will not remove it from my credit file.I have not applied for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was pressured to make a credit card to get a better deal on a mattress by a Sears employee. After creating the card, I expressly asked if I could defer payments and he assured me that I could, as long as I paid off the balance before the year was up. 

When he took my address, he did not take down my PO Box , insisting that he needed my physical address. Since he did not take my mailing address, I never recieved a bill from Sears.

Months later, the Sears company forwarded the amount due to collections and reported to my credit agency I had a delinquent account and 4 missed payments. At this time I had not received anything in the mail or received any phone calls and was not aware I had a missed payment. I promptly paid the collection agency in full, but Sears neglected to take the 4 missed payments off of my credit report, even after disputing it with them.

Sears has never sent me any documentation that showed they mailed me the bills to my correct address. It appears that the employee put my physical address as my mailing address.

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 2023-07-19
Company: Credit Karma, LLC
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my tax refund, which was paid into my credit karma spend account. Within 24 hours, my credit karma spend account was frozen, and there was no one to contact. I was able to contact them via chat, and they informed me that they had escalated my matter to another department and that I should expect an email. I have not been contacted, and my money remains in the account with no assistance. This has put me in a financial bind, and I am really dissatisfied with the situation. I want credit karma to release my funds so that I can take care of my banking needs elsewhere. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I live in XXXX, TX. I have a CashApp account where I had a total amount of {$3200.00} On saturday XX/XX/XXXX at XXXX, an unknown transaction was made suing my CashApp information at XXXX XXXX XXXX  '' in XXXX XXXX , NJ of {$0.00}. The second transaction was made at XXXX in ''XXXX XXXX '' in XXXX, NY for {$1.00}. Starting at XXXX and stopping at XXXX, 30 transactions od {$100.00} each were made at XXXX in XXXX XXXX , NY. The last transaction of {$100.00} was declined due to not having enough money in my account. Starting at XXXX and stopping at XXXX, 3 transactions of {$25.00} were made until the third one got decline because I transfer the last {$24.00} that were left in my account to my Bank and I proceed with the deactivation of the card made by me, XXXX XXXX XXXX XXXX , because I didn't know who was withdrawing this money from my account. I got {$3200.00} stolen from my CashApp account on Saturday XX/XX/XXXX and nobody is helping or assisting me through this situation. 

After disabling my CashApp card, I tried reaching to CashApp customer service through phone, where only a machine gives you directions to report your card as stolen or lost, or instructions about how to reach CashApp through email, and they will be available to contact me in 48hrs. I've sent 3 emails to CashApp, it's been more than 48hrs and they haven't reached out to me through email. I left my phone number too and haven't gotten any calls back.I texted them through their social medias such as XXXX, and through XXXX I reached out to CashApp account and also CashAppSupport account privately and commenting on posts, and nothing has happened. 

I placed a police report for Fraud and accepted to press charges towards this company. 
I lost the money I've been saving to return to school through an App that is not taking or showing responsibility towards my situation. They are not responding back to me, and I would like to make a claim towards this business, hoping this can help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Date opened : XX/XX/2018 _ Amount {$680.00} _ Account NO # XXXX I reported it is FRAUD to XXXX XXXX since from XX/XX/2018 until now. My name is not XXXX XXXX. It's a similar name mixed with someone else.I never lived in MA. I never open any utility account under XXXX XXXX. I present all prove of address, personal ID, and file police report. I followed all steps from XXXX XXXX requested. Still could NOT get ride off this negative record. It's 21 months still pending. 
Whatever I called, email, disputed ... ... Nobody answer, nobody take care. 
21 MONTHS, still can not solve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Bread Financial Holdings, Inc.
State: AZ
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 account was paid off and never had a balance. Coinciding with a data breach the card was suddenly maxed out. The company has been asked several times to provide proof of debt, proof of charges etc. I have sent them notifications and requests and without providing any proof they keep reporting this debt on my credit reports. I am not sure of the amount but they are reporting a charge off. Since they have been unable to provide any valid proof of debt I would like the company to delete this derogatory information from my XXXX, XXXX and XXXX. This has been reported as FTC Identity theft number XXXX and the company has been provided with a copy of that report and one is also attached with letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: ProCollect, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call over and over. They say they dont care and will keep calling. Even though I told them Ill send a cease and desist letter.

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 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
for the last two weeks I have tries to resolved this issue on my own. There are several inquires on my credit report that I am unaware of. I called Transunion to inquire and to see if u can dispute them, Each rime a different representative told me that they can not help me. So I asked for the fax number, I was told at the time the fax number no longer is operable. the fax number I called is XXXX. 
the inquires are as follow : Creditor Name : - XXXX XXXX- XX/XX/ and XX/XX/ XXXX XXXX XX/XX/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Selene Finance LP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX on XX/XX/18 we  submitted a request for a payoff. We were told 5 to 7 days turnaround see below request. 

Payoff Name : Selene Finance LP Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Fax : Email : Loan # XXXX Original Loan Amt XXXX Order Task Comments : Good Thru Date Ordered : Deliver to : XXXX ( XXXX ) or XXXX Payoff Order Bank Name : Selene Finance LP Loan Number : XXXX Method of Order : FAX Phone : ( XXXX ) XXXX XXXX Name : N/A Fax : ( XXXX ) XXXX Email : n/a Approx. Lender Turn Time : 5 business days Good Thru Date : XX/XX/2018 Date : XX/XX/2018 As of XX/XX/2018 we still had not received the payoff. We requested again, see below. 
Payoff Track 1 Bank Name : Selene Finance LP Loan Number : XXXX Phone : ( XXXX ) XXXX XXXX Name : XXXX Date : XX/XX/XXXX As per CSR XXXX, they received the request and the PO is scheduled to be ready on XX/XX/XXXX. 

Payoff Track 2 Bank Name : Selene Finance LP Loan Number : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/2018 As per CSR XXXX, they received the request and is in process. 
We should receive it on XX/XX/XXXX. 
*** Bank Name : Selene Finance LP Loan Number : XXXX Phone : ( XXXX ) XXXX XXXX : XXXX Date : XX/XX/2018 Additional Comments : The CSR XXXX is escalating the request to have it as a priority. She said that we can get the PO faxed thru XXXX sometime today. 
Bank Name : Selene Finance LP Loan Number : XXXX Method of Order : CSR : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/2018 Additional Comments : As per csr XXXX they did have the request on files and also they sent it to us but since we dont have it on files she will resend it to us by fax. 
This is now XX/XX/2018 we nor our customer has received anything.

Company response to consumer: Closed with explanation