BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX keep putting Negative, Unauthorized remarks on my XXXX XXXX accounts which says " Dispute resolved, consumer disagrees, account closed '' I have never disputed this account and I have two XXXX XXXX accounts both closed with on time payments. These bureaus keep putting remarks on my credit report as a way to try to harm my credit worthiness and I am sick of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed this account but was never notified of the results. I tried to dispute again and its just giving me errors on the system this is not the first time this happens. It happened multiple times with other accounts also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Early Warning Services, LLC
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: Account information incorrect

Complaint:
In XX/XX/XXXX I received my consumer report stating that My account was closed and paid for XXXXXXXX XXXX, which that information was correct. I tried to open another account due to the fact I paid them off and nothing else was on my report. I was then transferred to another representative stating that the account was not paid off and they need a receipt of the payment. I told them I no longer have access to the transaction which happened in XX/XX/XXXX-XX/XX/XXXX. The representative then says that she sees I paid it but the money was a returned payment. I advised that that could not be true. The issue is still not resolved and showing negative impact on my consumer history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 2020-02-03
Company: JPMORGAN CHASE & CO.
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 attempted to make a purchase for a flight via XXXX, an airline ticketing service, on XX/XX/2019. The tickets were for a round trip from XXXX to XXXX. I was charged {$2800.00} to my Chase credit card. I then attempted to change my flight times through the company XXXX within 24 hours. They told me I could only change it with a fee. Additionally, they told me after I made the purchase that the tickets were non-refundable. So I was left with only two options according to them. We ultimately decided to keep the initial flight times to avoid any further fees. However, I never received my tickets from XXXX. Despite my repeated communications with the company I was never issued a boarding pass or any additional information about the purchased tickets. I then filed a complaint with Chase Bank and they sided with the airline because of XXXX policy of a non-refundable ticket. However, Chase has completely missed the point that I never received any tickets. I am requesting a refund of the purchase  price and all interest accrued thereof. Please read the uploaded document " Chase Letter '' for a detailed breakdown of what occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
3 months ago, I opened a checking account with U.S. Bank. The term was for me to get {$350.00} bonus after direct-deposting for 3 months. After 6 months, U.S. Bank did not provide me the credit as promised, so I closed the account. First, U.S bank charged me {$36.00} for closing the account. Then they closed it and sent me a check with my remaining balance. Now, after a month of closing, they suddenly stated there were pending transactions at the time I closed the account, and now they are posted. And because I had no balance on my account, they charge me {$36.00} fee for each transaction causing me to be overdraft for {$200.00} in fees and {$43.00} in transactions. This is clearly a crime. How could a bank is allowed to operate based on fraud like this? How could they not see pending transactions at the time of closing until a month later? Are they doing fraud on customer. This needs to be looked at.

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 2019-09-24
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Was given loan over almost a month ago, has paid almost {$400.00} out of my bank account, I borrowed {$630.00}, loan pay off AMOUNT IS still going UP. Was not clear on this process, I want to stop electronic fund from my XXXX XXXX   account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Account balance is {$0.00} and is showing as a charge off ( CO ) in error going back to 2015. Account legally paid in full.

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 2020-02-03
Company: Estate Information Services, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father who served in the XXXX was Deceased on XX/XX/XXXX. I notified XXXX XX/XX/XXXX that my father had passed. They said they would take care of it when I called their customer service. 
On XX/XX/XXXX I spoke over the phone with attorney XXXX XXXX who filed what was needing in the court system my father had passed and the house was considered a homestead therefore a creditor could not come after the house once transferred into my name. I paid him {$1400.00} to file everything. 
Two weeks later my deceased father received a delinquency notice from XXXX. I called XXXX and they asked for money from the estate. They where informed there was nothing in the estate. They told me to apply the cash back bonus to the account. 
Several weeks later I received a call, a letter from Estate information Services. I informed them there is no estate. They said ok that was it. In XXXX XXXX I received calls and letters again from Estate information Services. I informed them the estate was insolvent. The rep replied ok. The next time I spoke with a rep they said they would still file a claim ... I told them it was insolvent.. I faxed them the court documents provided by my attorney .... A few days later I received another letter from Estate information service wanting me to settle on the account. I attempted to contact Estate information Service during regular business hours but they sent me to a voice mail and I asked them to stop attempting to collect from me. Do not call me again. Now, today I received court papers in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I applied for a chase business card credit card on the XX/XX/XXXX, I was informed by chase the card was approved! upon the arrival of the card I was informed that chase dose an auto review of all new accounts opened and that it would take 1-10 business days for an usage of the card. I explained to chase reps that I was excited that I could get an emergency flight to see my sick grandmother. After giving chase the allowed time just to review my account as previously stated chase to see if they completed the review so I could book my flight I was inform the account had been closed due to a previous account that was deem fraud in their internal system already also the card has another name tied to it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, my name is XXXX XXXX. I recently refinanced my home in XXXX and have a new mortgage with citzen one home loans. The issue I am having is they are charging me double monthly in property tax. A county and city tax at an equal amount. Making it double. I have documents on this which you will see below. Also where they hide it and just double the city tax eliminating the county ... 
I have called a dozen times with the same response and terrible customer service. The answer I received was I have to pay that XXXX dollar difference monthly And wAit for the annual escrow analysis to come out to receive the difference. I am not equipped financially to do this. I work as a frontline XXXX XXXX at XXXX XXXX  in the XXXX XXXX. I refinanced to save money to get by not pay more!!!! I am getting no where with them and need help. Thank you in advance- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo charged me a service fee of {$12.00} on an account with XXXX XXXX balance during this time. The could clearly see the usual deposits had not been made in some time. My frustration is they claim to be working with customers. I know they're lenient toward the small business owners and homeowners. I don't think it should be any different with the regular small customers who use their services. 

PS. I called them for third time on Saturday at XXXX and was rudely hung up on.

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 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX and Transunion keep putting Negative, Unauthorized remarks on my XXXX XXXX accounts which says " Dispute resolved, consumer disagrees, account closed '' I have never disputed this account and I have two XXXX XXXX accounts both closed with on time payments. These bureaus keep putting remarks on my credit report as a way to try to harm my credit worthiness and I am sick of it.

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 2019-09-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. 
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.

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 2019-09-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I wish to file a complain regarding the results of the investigation completed by XXXX XXXX which was completed earlier this month. In Mr. XXXX response, he made a false and/or misleading statement. He acknowledge receipt of my RMA on XX/XX/2019. He claimed that the reason for not reviewing my request for mortgage  assistance was because Chase did not receive my application the required number of days before the foreclosure date on XX/XX/2019 According to my records, the document was sent XX/XX/2019. But that is not a big concern. My concern is that my RMA was not reviewed at all. In a phone call to my previous dedicated manager, which is recorded. He said my application was not reviewed at all. He referenced notes on my account from an earlier call from the 1st week in XX/XX/2019. When the letter dated XX/XX/2019was received, I knew it was a fictitious document sent by Chase to pretend that they are in compliance with rules and regulations. In addition, Mr. XXXX in his investigations indicated that if my situation has changed for me to call XXXX for assistance. Well my situation has changed, and I will be reapplying for assistance in leaving the property. I have attached correspondence received from Chase today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Fifth Third for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 


Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX XXXX. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 


I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 


This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 


The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Experian Information Solutions Inc.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have already provided Experian with the FTC report for identity theft. I spoke to the gentleman who filed my dispute and he stated that the inquiries had to stay on the report for 2 years even though they were not made by me and if i wanted to dispute them i needed to contact the company who requested it. I explained to him that not all of the inquiries on my report contained contact info for the company that requested my information so i could not contact them, At that time he said he would file the dispute for me, im not sure how he couldn't and then all of a sudden was able to. I got one confirmation number for the dispute that was supposed to contain everything referenced on the call, The only thing disputed by him was some of the incorrect addresses, and incorrect phone number, and a soical security number that was not mine, He made no attempt to contact the companies that requested my information and did not provide me with the means to get it resolved myself, so as it stands i have no way of getting the info disputed even though it is fraudulent, XXXX  was also notified of the Identity theft and to this day still does not have a fraud warning placed on my account, XXXX put the warning out over a month ago, Experian applied one, but as of XX/XX/13 XXXX  is still allowing access to my file.

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 2021-03-26
Company: CBC Companies, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to factual data to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. Factual Data claim to have sent a request to the credit reporting agency 's to remove the inquiry. However the request was for a soft Inquiry removal when it was a hard inquiry in my credit file. I have provided requested information to factual data and XXXX XXXX that I did not authorize any loans with XXXX XXXX. Then I was informed it would be removed, and it has not. Factual Data and XXXX XXXX is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. Factual data and XXXX XXXX also failed to validate my personal information that was used without my authorization or consent. I'm requesting this hard inquiry to be removed from my credit Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
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 status incorrect

Complaint:
I financed a XXXX with XXXX/XXXX and met all obligations as required. A mistake in the accounting procedure of XXXX without my permission or knowledge shifted my account temporarily to XXXX XXXX of which I never applied to or had an account with. This caused numerous reports to the credit people of late payments when they actually were not only on time and correct but 1 account more was paid and the account instead of being late was ahead. I have written numerous times and am attaching 8 pages of documentation for review.

Thank you for helping me get this cleared up and the credit reporting agencie : XXXX, Experian and XXXX to correct and remove all false reports

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