BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-23
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$2200.00}, {$2900.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-05-27
Company: EQUIFAX, 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:
Please remove inquiries which not belong to me. I never applied for this company and never gave permission to apply for this inquiries. 
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires XXXX XXXX, XXXX XXXX XXXXXX/XX/2020 I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 

Please send me an updated credit report after you have deleted the inaccuracies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Friday, XX/XX/XXXX, I was defrauded by a ticket seller claiming they had four ( 4 ) tickets to the Indiana XXXX XXXX game in XXXX, Indiana. I contacted the seller via text and we negotiated the price to {$370.00} USD in exchange for four tickets. He claimed he used XXXX XXXX XXXX and we could only use bank-to-bank transfer as a means of payment since he was out of town with digital tickets that he could transfer through the XXXX XXXX application. 

I sent the money to the seller via the Chase XXXX app, an amount of {$370.00} XXXX. After I sent the money, the seller disappeared. I tried to call and my number was blocked. I could tell where this situation was heading so I called Chase as quickly as I could. I sent the money at XXXX XXXX  on Friday, XX/XX/XXXX and was on the phone with Chase at XXXX XXXX, only 21 minutes later and then again at XXXX XXXX  with the two conversations lasting 36 minutes and 41 minutes respectively. 

On the phone with Chase, I told them I wanted to file a dispute because the seller had defrauded me and had went so far as to block my number. We were able to contact him from a different phone number and asked him if he still had the tickets and he said that he did. Chase told me that XXXX is being marketed as an application to be used only between real-life acquaintances and to hope that the criminal would send the money back in good faith. XXXX has never been openly promoted as only a way to transfer money as I took the time to search through all promotional items and commercials ( one commercial even goes as far as to mention paying your dog-walker for her services ). 

So since XXXX can not be used for merchandising, though never being explicitly stated, Chase told us we were out of luck and they would not file a dispute. After discussing the dispute, they made a courtesy claim. We called them back on the morning of Sunday, XX/XX/XXXX at XXXX XXXX for 11 minutes in which they told us they had closed the case and never made mention of it to us. After discussing our future with Chase, they told us this was our error and not theirs and hung up on us. 

On the phone during my initial conversation, the Chase worked made mention of the loophole that the criminal had exploited. In essence, he claimed Chase and XXXX are both aware, and thus complicit, in scamming and criminality. XXXX and all major banks are taking no responsibility despite being fully aware of how their services are being used. {$370.00} XXXX is the difference between paying my bills and not. The two services are not only turning a XXXX eye but encouraging the use of their services to be used for fraud. The seller used a fake name and a spoof phone number and made out like a bandit. XXXX uses legal jargon buried in their Terms and Conditions to protect them despite advertising differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
State: WA
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:
Letter was sent to Equifax dated XXXX in regards to permissible purposes Title 15 US Code 1681n. Equifax then sent a verification of identity letter, which I did answer ( I also put a freeze on my credit report ) after verifying my information and applying the freeze on my report, Equifax Never answered 15 USC 1681n. I then sent a certified letter to Equifax regarding method of verification XX/XX/XXXX received XX/XX/XXXX XXXX. Again Equifax could not locate a credit file. Equifax has violated several rights protected by the FTC. Equifax did remove some items on my credit report that were discharged in a  chapter XXXX bankruptcy BUT nothing further was done. My well being has been affected by this several times seen and unseen damages. I have tried several times to correct this. I have uploaded violations to be addressed, reason being is I have been ignored several times and willful non compliance has been committed against I the consumer. I ask that Equifax pay for violations, I ask that Equifax execute every condition that I the consumer have requested under the pursuant to Title 15 US Code Trade and Commerce within the laws of the United States of America and that Transparency ( Executive Order 13892 October 9, 2019 ) be enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Neighborhood Assistance Corporation of America ("NACA")
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I became a NACA member with the belief that they could help me " Achieve the Dream '' of home ownership. I worked with them for over a year, doing EVERYHING I was told to do until I finally became " Qualified '' and instructed to look for a home. Found a home and became excited!!! I was given several closing disclosures, and several clear to close notifications beginning in XXXX but never moved to closing to this date XXXX. I went into contract on the property XX/XX/ and the seller became inpatient with the process and no real answer to what was holding up the process, she put the house back on the market. I was instructed to get inspections, structural engineering report ( costly ) and now I've loss the property at no fault of my own. I just don't think it's fair. I've been advised to look for another home but without knowing why I didn't get this one, I'm very discouraged about the whole process. I didn't get a denial just not an approval and the house is not available to me any longer. There has got to be something someone can do to help me. Just to get an explanation would be a positive start at resolving my issues / complaiint. Help me to understand what I could do differently to get a better outcome

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Experian Information Solutions Inc.
State: TX
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:
I had a personal loan with XXXX XXXX XXXX that was a bad debt I owed XXXX . On XX/XX/2018 I sent a payment of XXXX to the bank to settle the account. XXXX and XXXX changed the balance to XXXX $ while Experian did not I have disputed this account on my credit report with Experian for the 4th time now and Experian is still showing a balance of XXXX $ even after I sent them a copy of the check that was made out to 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 2020-05-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My bank charges me overdraft fees if it goes into the negative for even a second. Every single time, religiously. The most I've got them to reimburse me is {$9.00} out of the {$35.00} fee they charge. 

1 ; Why is the bank enforcing overdraft fees during the COVID epidemic? 
2 ; Why is it whenever my girlfriend 's account ( same bank ) goes into the negative she NEVER gets an overdraft fee?

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 2020-10-15
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled my credit report and noticed Fraud Accounts on my report. Its is doing damage to my credit report and lively hood. I need the fraud accounts 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 2020-06-05
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I can not make payments via XXXX. The error says " my bank has made a change that does not allow the app to connect ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2016 things were on Credit report that were in accurate and are still on my report to this day and I wrote letters numerous times to get a thorough but still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Byrider Franchising, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX/XXXX/16 they were instructed not to call me at work. They call when it 's not even late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
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: Information belongs to someone else

Complaint:
Equifax is knowingly reporting an account that has been reported as identity theft. 
XXXX XXXX Acct # : XXXX I have sent police reports, notarized statements, identification and social security cards to all three credit reporting agencies. Equifax is the only agency that is refusing to remove the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC
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:
ON XX/XX/2018 I WENT INTO XXXX  XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN EIGHT TTIMES. I WAS APPROVED THROUGH XXXX XXXX BUT THREE LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIME WITHOUT MY CONSENT. THIS HAS DAMAGED MU CREDIT SCORE SOME MORE.

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 2018-04-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX, XXXX, and Experian violated the law by allowing the following 3 items below to be re-added to my credit report after they were removed without sending me proper notification. These items successfully removed, as of XX/XX/2017, but were re-added. 
The items are as follows : XXXX XXXX-XXXX  XXXX- {$670.00} XXXX XXXX XXXX  {$580.00} XXXX XXXX XXXX- {$530.00} In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to  consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA.

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 2018-12-08
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: Account status incorrect

Complaint:
I have been trying to delete this 2 past due payment, i started the automatic payment and they did not withdraw the money from my account on time then when they contacted me i pay the 2 month a delete the automatic payment to avoid mistakes like this one.

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 2018-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have been trying to delete this 2 past due payment, i started the automatic payment and they did not withdraw the money from my account on time then when they contacted me i pay the 2 month a delete the automatic payment to avoid mistakes like this one.

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 2018-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have provided the Credit Reporting Companies with the proper documentation to remove items from my XXXX, TransUnion and XXXX  XXXX Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX XXXX. I have requested validation of this account. The have continued to provide me with copies of statements and will not provide me with anything being my signature to validate the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

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 2018-12-08
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: Account status incorrect

Complaint:
account was initiating an automatic payment and they did not process the payment on time then i pay over the phone to put the account on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
Iv been trying to fix my credit. Iv never had a credit card before ever in my whole entire life I was born XX/XX/XXXX. This past year of XXXX I tried getting one on a I believe a XXXX  card and I couldnt due to, to many accounts open. IV NEVER HAD A CREDIT CARD XXXX! Everything on my credit report is identity theft hello! Help me out here. My phone number my location says all. Iv never lived in Oregon. Iv lived in XXXX XXXX ca. Let me say this again Iv never lived in XXXX Oregon. I live in XXXX XXXX ca. So can you please help me out!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Leaders Financial Company
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: Reporting company used your report improperly

Complaint:
XXXX XXXX its not on XXXX but its on XXXX   and some hard inquiries I want you off

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 2018-04-22
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ocwen loan servicing is attempting to foreclose on my home with assignments that are clearly robo signed by well known robo signers. The assignments are fraudulent that were used to transfer the mortgage. The have refused to modified or restructure my loan. I also sent a QWR, and a debt validation letter. I am yet to receive a response. I have asked that the sale for XX/XX/2018 be stop until my concerns were address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE SEVERAL HARD INQUIRIES ON MY CREDIT REPORT THAT DONT BELONG TO ME! SOMEONE IS TRYING LIKE CRAZY TO APPLY FOR STUFF IN MY NAME! 

XXXX  : - XXXX/XXXX  XX/XX/2018 XXXX  - XXXX XXXX XXXX XX/XX/2018 Bank Credit Cards -  XXXX XX/XX/2018 Finance, personal XXXX : - XXXX  XXXX XXXX XX/XX/2018 Bank Credit Cards - XXXX - XXXX XX/XX/2018 Miscellaneous Utilities - XXXX XXXX XX/XX/2018 Telephone Companies - XXXX/XXXX XX/XX/2018 Personal Loans Cos. 
- XXXX/XXXX  XX/XX/2018 National Credit Card Cos. 

TRANSUNION : - XXXX  XXXX XXXX  XX/XX/2018 Bank Credit Cards - XXXX  XX/XX/2018 Credit card and travel / entertainment companies - XXXX XX/XX/2018 Utilities and fuel - XXXX XX/XX/2018 Utilities and fuel - XXXX  XX/XX/2018 Utilities and fuel

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