BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX conducted a hard inquiry against my credit history via Experian. I have no business, nor ever had business, with XXXX XXXX XXXX and immediately notified XXXX XXXX XXXX on XX/XX/XXXX requesting details regarding their hard inquiry. They would not provide any details regarding the inquiry. I opened a case with them for details on the query against my credit history and indicated it could be fraud. Despite six ( 6 ) follow-up emails and phone calls to XXXX XXXX XXXX no one will provide me any details nor will they remove the hard inquiry from my credit history.

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 2022-01-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I sold an XXXX in XXXX 2021 and I reset the phone and disconnected it from my XXXX and sold it through XXXX. I shipped the phone to Delaware. XXXX weeks later I received a message through XXXX from the buyer that said that the buyer could not get the phone set up because he was able to log into my phone and subsequently get access to all of my accounts and passcodes that were saved in my phone. He then subsequently used my phone to purchase items on my XXXX account. On XX/XX/XXXX after noticing my balance was off on my account I disputing several different items on my last XXXX months billing cycles with Wells Fargo. Over the next XXXX months I spent HOURS going back and forth with Wells Fargo with them ultimately telling me that it was my fault that this happened and I was complicit in this transaction. I took notes and records o every time I spoke to someone and ultimately how many time I talked to people and ultimately they closed the claim, restarted and reopened it XXXX times. I am so frustrated. But they had to close the claim. This was for over {$5000.00}.

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 2018-03-16
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Discover card sent the IRS a XXXX for 2016 and neither myself or my wife had a discover card. Now the IRS is claiming we owe over {$9000.00} because we did not report the XXXX on our 2016 return. Both myself and my wife pulled all bureaus on the free annual credit report site and it proves we never had a discover card. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
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: Personal information incorrect

Complaint:
Experian refuse remove old addresses on my credit report even when I provided my information through mail, It has cause issues with my personal information.

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 2022-01-16
Company: Upgrade, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Upgrade XXXX XXXX BANK refuse to close my account and its been almost a year and I called on XX/XX/XXXX to close my account and they stated it will be closed in 30 days and its still showing its open as of XX/XX/XXXX and the rep said it restricted and I dont want this account mess up my credit reporting I dont owe anything on this account and Im asking them to close it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2017, XXXX XXXX XXXX provided a renewal offer of our homeowners insurance policy. THE BILL CLEARLY SHOWS {$2700.00} AS DUE TO PAY IN FULL. On XX/XX/XXXX, Ocwen deducted {$2900.00} form our escrow account for Ins Disbursement : XXXX XXXX XXXX. SAID PAYMENT BEING {$140.00} IN EXCESS OF THE AMOUNT DUE & SHOWS NOWHERE ON THE BILLING STATEMENT. We contacted Ocwen by telephone on XXXX XXXX 2017 and was told that they did not know the payment was {$2900.00}. The rep even went so far as to tell us that the amount due according to their computer system was {$2700.00} but that it did show a payment was made on XX/XX/XXXX in the amount of {$2900.00}. The rep assured me that the Insurance company would issue a refund & that if sent to them they would credit it back to the escrow, however, if it was sent to us we needed to forwarded it to Ocwen to be returned to the Escrow account. I informed the rep that I did not recall seeing that requirement in our mortgage agreement that we must return to Ocwen refunds from over payments that are their error. He was insistent that since it came out of the Escrow Account it must be returned to the Escrow Account. Following the phone conversation we wrote Ocwen Insurance Department & the Ocwen Consumer Advocate/Ombudsman concerning this overpayment. WE SIMPLY ASKED TO BE PROVIDED WITH A WRITTEN EXPLAINATION OF WHY THEY PAID {$140.00} MORE THAN WAS DUE, HOW THEY CAME UP WITH {$2900.00} DUE WHEN IT IS CLEARLY PRINTED ON THE BILL THAT ONLY {$2700.00} WAS DUE. Today, XX/XX/XXXX, Ocwen called & left a voice mail stating that they had spoken with our insurance agent and that a refund would be issued and sent to us as the insured. We were once again advised that we need to forward that to Ocwen to be returned to the Escrow Account. WE ARE STILL WAITING FOR AN EXPLANATION OF THE ERROR HOW THEY CAME TO PAY MORE THAN WHAT WAS CLEARLY SPECIFIED AS DUE. This is NOT the 1st error that Ocwen has made with our Escrow Account. We are still missing {$42.00} from an over payment Ocwen made to the county in XX/XX/XXXX -- the bill clearly stating 1 amount & Ocwen deducting a greater amount from our Escrow with no refund or credit having been received 8 months later. We are aware that Ocwen was sued in XXXX 2017 in part due to error in managing Escrow Accounts .... & we have long held suspicions over some of their escrow practices. Clearly, getting sued last XX/XX/XXXX has had ZERO effect on their practices today as this error mimics many of the errors that resulted in CFPB filing suit against them!

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 2022-01-16
Company: EQUIFAX, 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:
I am a victim of identity theft. XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX have fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I did an international wiring {$77000.00} with Chase local branch manager to wire to XXXX in XXXX XXXX on XX/XX/XXXX, but recipient has not heard anything about the fund ... 
XXXX requested my compliance information twice. After Chase sent out to them on XX/XX/XXXX and XX/XX/XXXX, there is still nothing heard back from XXXX. 
HSBC hold my fund and don't respond to Chase inquiries. 

So, Chase recalled the fund back on XX/XX/XXXX, Still no result so far till today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
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:
The following accounts are fraudulent XXXX XXXX {$130.00} XXXX XXXX {$1400.00} XXXX  {$200.00} XXXX {$200.00} XXXX XXXX {$550.00}

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 2020-11-06
Company: Certegy Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter twice from Certegy which claimed I owed XXXX XXXX XXXX. I checked with XXXX and they told me these people are scammers and that I do not owe this money to XXXX I called certegy and the person asked me for my credit card number right away. Then she asked me for my drivers license number. 

I told her she was a scammer and she got off the phone right away. How can these people live with themselves? 

The phone number I called is XXXX XXXX XXXX XXXX XXXX, FL 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 2021-05-10
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 belongs to someone else

Complaint:
I recently pull my credit and i notice and handful of hard credit inquires and fraudulent accounts on my credit report. I reach out to all the creditor listed where the fraud happen and explain that i did not authorized the account. I then reach out to XXXX XXXX and experian and I as told to get an FTC report. I am asking that these accounts and credit inquires to be remove from my credit report. I have attached the ftc report with my drivers license

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 2018-06-05
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to XXXX  for the account XXXX XXXX XXXX XXXX XXXX that is outdated and DATE OF LAST DELINQUENCY WAS XX/XX/XXXX WHICH WHEN ACCOUNT WHEN 30 DAYS LATE THEN LEAD UP TO CHARGE OFF IN BANKRUPTCY. It was sold to a collection agency and is now over 7 years old. XXXX  and XXXX XXXX both deleted the account. Experian failed to remove item after providing sufficient information showing inccuracy, they then reaged the activity date and still are reporting the account. I supplied the original creditors reporting on credit which showed the XX/XX/XXXX date. This account per the FCRA needs to be deleted as no activity has been made on collection account such as payments or validation. The company is XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX. I am attaching original creditor reporting before it was deleted. 

Also XXXX XXXX is reporting several 30 day late pays on all 3 bureaus however i attempted to pay all on time but XXXX XXXX blocked online payment access, has not processed any bill pay payments submitted and will not return my phone calls and hangs up on me when i try to call to make payment. Complaints also have been filed against the company. There are many others who are experiencing the same issues with this company and i also have a pending complaint with the CFPB REGARDING THIS MATTER! See attached documents regarding this account and issues i experienced.

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 2018-01-08
Company: General Motors Financial Company, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a call from " GM Financial '' XX/XX/XXXX, The call entailed a man requesting a payment from me for a closed, pre-paid truck lease and in receipt of payment he would not damage my credit. 
This prepaid lease was a 24 month lease that ended XX/XX/XXXX and I do have a receipt from dealer and gm financial of return of vehicle. 

He was willing to accept less if I paid 'NOW '' I then informed him that my contract was satisfied 6 months prior to his call and that no payment was due or owing. I just received informationXX/XX/XXXX, that my credit reports were updated to reflect missed payment? ( thats an impossibility ) This is my second compliant to the BBB about this company in less then a year now on two major issues. 

Desired Resolution : Correction to a credit report The Credit bureau reports that the last information added to gm financial was XX/XX/XXXX and sense that date someone added " missed payment 30-59 '' which just appeared on my report XX/XX/XXXX? How is that even possible?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX 2017 I became aware that my card number had been used by someone other then me to make reservations and for some XXXX that I never heard of so Immediately I called to lock my account I had just put {$400.00} o the card earlier that day for some things I had planned to get for my children for school. I checked my account before I went to bed like I do every night to discover my balance was lower then excepted I placed a call to american Express Serve. in all I think It was like 12 unauthorized charges to my account. That 's a XXXX dollars that I could n't get back and I need my money. I discovered them on X/XX/2017 XXXX for 11 charges to XXXX and 1 charge to travel reservations. I sold my truck deposited my money on to my serve card the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: EQUIFAX, INC.
State: SC
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:
This Credit Reporting Agency is furnishing information to my consumer report withiut written consent from the consumer. This CRA has willfully violated the FCRA a multitude of times. Pursuant to 15 USC 1681B ( 2 ) These are my written instructions. I need the Two Collections from XXXX XXXX XXXX & Every Inquiry deleted NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2021 regarding inaccurate and unverifiable items on my credit report. It has been over 3 months and I have not received a response from anyone. Failure to respond is a FCRA violation of my rights as a consumer. In section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 3 months, these items must be removed and deleted immediately. I demand these accounts be removed and deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to obtain credit and these inaccurate items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions 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:
I have been checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this 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 non-monetary relief
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I noticed that XXXXXXXX XXXX  had inaccurately reporting information monthly on my crafty report as if there is new/updates information for this account and there has not been any updates or activity on this account in about 6 years. When I brought this issue to the attention of all 3 crafty bureaus they gave me the run around a claiming they didnt understand my request. I was clear in my statement of incorrectly reporting an account which has had no activity. XXXXXXXX XXXX continues to report just recently as XX/XX/XXXX. 2022 in this Closed account. 

They should not be reporting on a closed account that has had ABSOLUTELY NO ACTIVITY IN 6 years!!! They continue to report it as activity hence extending the 7 year expiration time which is illegal!!! 

They have been avoiding addressing this issues spitefully.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing Inc. in conjunction with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have engaged in an extensive and pervasive pattern of discriminatory practices. We have been victims of mortgage and modification discrimination. SPS has rejected my multiple attempts to modify my home and refused to accept my KYHC and HAMP Programs imposing different terms and conditions without proper explanation. SPS has even gone to the extent of automatically transferring me to a XXXX speaking representative after stating my name. They once suggested I rent out the rooms to different XXXX families so I can catch up with my payments!! I would like to see a monthly/yearly report of the closed cases of foreclosure to show how SPS Inc. along with the above mentioned Banks discriminate the XXXX consumer and wrongfully denies modifications and forecloses on their homes!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
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:
I filed a dispute with Equifax back in XXXX XXXX. Regarding the misinformation XXXX XXXX is reporting on my credit report. I also sent proof to Equifax that my XXXX XXXX account went into payment default back in XXXX XXXX never regaining a current status. Until the account chargedoff in XXXX XXXX. The account has now passed its 7 year mark and needs to be deleted. XXXX XXXX XXXX is reporting that a payment was made in XXXX XXXX after the chargeoff date. I sent Equifax proof from XXXX XXXX, that payment was a refund check sent from the dealer. Not the account holder as they are reporting. Equifax has failed to investigate this matter accurately. Even after sending them proof of the inaccurate information being reported.

Company response to consumer: Closed with explanation