BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPENT THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2021, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-26
Company: Experian Information Solutions Inc.
State: NY
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:
While I have been going back and forth with all the banks, credit people and all, it started about 2017 less then a year after my XXXX brother died. Once he died some how his ssn ended up on credit report along with all his debts followed by every account of mine is closed, no bank will accept me nor credit card. I have no debit but some how have incurred about 100 inquires that I can account for some but maybe 12 and it continues to get  worse. I am unable to verify my identity online, lost a job because I couldn't accept direct deposit. I'm on the brinks, then to top it off I'm ready to loose it. Please help me. I have contacted everyone.

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 2020-08-26
Company: EQUIFAX, INC.
State: NY
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:
Summary XXXX has applied a fee of {$300.00} to my account, improperly o The fee is improper because I was never notified or informed about the existence of this fee until after it was applied o To the best of my knowledge, I did not consent or otherwise agree to this fee when placing an order for services by XXXX Efforts to dispute the fee directly with XXXX did not resolve the situation Although I paid the bill for services I agreed to receive, I did not pay the outstanding balance pertaining to the disputed amount Despite my dispute efforts, XXXX sent the unpaid balance to collection and reported a negative credit report to all three national credit bureaus The negative credit item caused my credit score to drop by 145 points, and resulted in a denial of credit by a financial services company I furnished all of the information to the credit bureau, as evidence of an ongoing dispute. The bureau has not removed the negative information from the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, I called ChexSystems to dispute inaccurate and negative information in the file ChexSystems maintains under my Social Security Number that has financial institutions suspecting fraud when deciding to open an account with my social security number. My application was rejected due to ChexSystems reporting my Social Security Number was issued in XXXX in Tx. In which is not true or correct information. I was born in the latter part of the XXXXXX/XX/XXXX. Therefore, the information ChexSystems is reporting regarding my social security number being issued in XXXX is totally inaccurate and misleading and not true. And it is damaging my character, affecting my ability to open new accounts. According to FCRA, Section 623 ( a ) ( 3 ) this is for creditors/banks. ChexSystems is not abiding by any of the laws set forth by the Fair Credit Reporting Act. The statement ChexSystems has on the report for my social security number is a lie! And is defamation of my character. The public should be made aware of the unethical business practices by ChexSystems.

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 2021-03-04
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was locked out of my coinbase account do to an unauthorized transactions, after being sent an email to follow steps I followed every step I was then sent an email on XX/XX/XXXX I received this email We have successfully collected the funds from your recent failed transfer. However, there may still be restrictions on your account. And since then I havent heard anything back from anyone my account is still locked with over XXXX dollars in it. Ive been emailing for the past month and still nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I was looking at offers to switch banks and therefore open a new checking account for the first time in years if not a decade. I came across an offer from Chase that had a {$300.00} sign up bonus for a Total Checking Account when the requirements of direct deposits were met. I signed up for it and set everything up for direct deposit at work. However, I wanted to confirm with Chase the offer so I contact them to have it on writing and of course, Chase being Chase, they stated the offer was for {$200.00}. What bothers me is not the {$100.00} difference but the way this company acts. I'm trying to establish a new relationship with you, I'm signing up for a promotion you have, and then you do what you want? What kind of banking am I to expect? As a proof here 's the link to the offer, and I'll be attaching a PDF. 

https : //accounts.chase.comXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Fidelity National Financial, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2021 I got an email from a senior escrow officer from Chicago Title and Loan at XXXX and 2 days before I closed on a Chicago condo and 10 minutes after my attorney emailed me to tell me I would need to wire money to the escrow office at Chicago Title. 2.5 hours after I received the first escrow officers email a second email officer emailed me. I didn't get these emails until XXXX because I was busy at work. Seeing two escrow officers I thought it was weird. Then I took a recommended class of fraud that the 2nd officer had sent. This warned about fraud. I became more suspicious and investigate the 1st escrow officer email thoroughly. Though it was from a person that worked at Chicago Title and Loan, the email they were asking me to respond to was " XXXX ''. The misspelling made me realize it was probably a fraud. This was later confirmed during the signing of my closing paperwork ( XX/XX/2021 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-05-14
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: Information is missing that should be on the report

Complaint:
There are inaccurate and false information reporting 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 2020-12-03
Company: Experian Information Solutions 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 submitted a formal request to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests from Experian and XXXX. I do appreciate XXXX  responding to some of my concerns but there are still some inaccurate items that need to be resolved.

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 2021-04-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Used online banking to cut a personal check. Meaning the bank cuts a physical check and mails it USPS. They are withdrawing the money from my account the day they cut the check. Not the day its cashed. 

Thats illegal. If that person receiving the check doesnt want to cash it or the check doesnt even reach attended party. Why should Chase earn interest on the monies while that money sits frozen pending apposed to the owner me. This is Chase Banks online banking practice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Regional Management Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My hours were cut at work due to covid-19. I sent a letter with a payment saying not to contact me that I would make a payment every other week because of my situation. They cashed my check but still called me. I got a call from them so I picked up the phone and asked the lady while she was calling me when I sent a letter saying not to contact me. Her response was because you still owe money. I informed her not to contact me that is was breaking FDCPA rules. When I sent in my next payment I sent in another letter telling them to stop contacting me. But again the continue to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX, I got scammed by a person named XXXX XXXX posed as he's leasing an apartment to me. We both signed the lease, and after following the directions by XXXX on payments, I accidentally transferred a large sum of {$2300.00} to XXXX XXXX at XXXX via XXXX to XXXX XXXX XXXX Money was supposed to go to XXXX XXXX and not XXXX XXXX. XXXX or did not respond after following up for returning money. I filed a claim with Bank of America, and they gave a claim number XXXX. 

XXXX XXXX sent emails from IP address XXXX. His email is XXXX and his XXXX voice number is XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2021, I mailed a letter requesting an investigation on questionable accounts on my credit report. I has been over a month and I still haven't received a response.

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 2020-08-26
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Net credit is reporting in correct information on my report and I have disputed several times, reached out to them by email several times. This is what you are falsely reporting. 
The updated balance, paid off amount, balance, status saying past due 180 days, the late payments. They are reporting the payments as not current and the current payments, are current. This account has been agreed to settle. I have been disputing for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Santander Consumer USA Holdings Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX - {$570.00} - Disputed, no validation letter, was never given account to dispute, don't recognize this debt. 
XX/XX/XXXX - {$2200.00} - Disputed, no validation letter, was never given account to dispute, don't recognize this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, 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 status incorrect

Complaint:
I was reported as having a late payment for XXXX and XXXX, when in fact I have the proof that I made my XXXX payment XX/XX/XXXX, which was not 30 days late and then I made my XXXX payment on XX/XX/XXXX. I provided this proof and their still not correcting the issue. 
This is hindering me from getting approvals for other things when in fact I've shown proof and it's still not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received 2 feet of water in my home during Hurricane Harvey, our home was declared " substantially damaged '' and we have, therefore, decided to demolish our house and build a new, elevated home on our lot. 

I am attempting to use the $ XXXX in flood claim money, being held in a restricted escrow account by Freedom Mortgage, to pay off my mortgage and close on a construction loan. However, Freedom Mortgage is not providing me sufficient documentation to enable this process with my new mortgage company and title company. They will provide NO documentation that they agree to use the loan funds to payoff the mortgage, which is required by the title company. 

I have been working with them since XX/XX/XXXX without a resolution and need your assistance. 

I have kept a detailed log of all contacts with Freedom Mortgage and I have faxed a letter requesting assistance to the CEO of Freedom Mortgage. Those documents, along with my other requests to Freedom Mortgage, are attached to this complaint.

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 2018-07-03
Company: Experian Information Solutions Inc.
State: MA
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 going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau FCTUALDATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FCTUALDATA XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX FCTUALDATA XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FACTUAL DATA XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian FACTUAL DATA XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian RENTAL PROPERTY XXXX XX/XX/XXXX Experian RENTAL PROPERTY XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian FACTUAL DATA XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX   XXXX XX/XX/XXXX Experian FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  I need those hard inquiries removed from 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 2021-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Hello I have reached out multiple of times for paperwork on the sale of the vehicle XXXX XXXX and never received anything to show how much it was sold for or anything this is unfair practice and should be removed from our credit report. This is the 7th year of it showing non payment which means it's outside off the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have made several attempts with Equifax to have the below inquiries removed from my Equifax ' report with no success. I provided the letters received from the creditors and they continue to refuse to remove these inquiries from this report. Please know that both XXXX  and XXXX have removed as required. I have the letters from all three creditors indicating they have reached out to Equifax. More specifically XXXX  assured me Equifax, via confirmation from Equifax, had received their request to have this inquiry removed : I provided a letter from XXXX XXXX stating they had submitted my car loan application to multiple creditors without my authorization. In addition, I submitted a letter from both of these creditors stating they have reached out to Equifax. But again, they refuse to remove these. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX XXXX XX/XX/XXXX XXXX ran a credit inquiry during a refinancing of our home. The home was to be refinance without my name but the title was to be joint holder. They corrected this with XXXX and XXXX  but have been unsuccessful with Equifax. I have the letter from XXXX in addition to them reaching out to Equifax. 

They continue to report incorrect information and continue to send me updates stating these are factual when indeed they were not authorized by me. 

If copies and evidence is required I will submit. This might seem as a small issue however these reports are used by creditors to make decisions on behave of the consumer and as such should be correct regardless of how severe of an impact. 

Thank you for your assistance. 

XXXX

Company response to consumer: Closed with explanation