BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-07
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:
Equifax is reporting a hard inquiry on my report for XXXX XXXX XXXX dated XX/XX/2018. 
I have not applied to any credit for XXXX XXXX XXXX. 

This inquiry is due to stolen identity or other matter not involving me. The following address is not a valid address according to the USPS and the phone # is disconnected. 

Please remove this false XXXX XXXX XXXX hard inquiry from my credit report immediately - this is lowering my credit score! 

INVALID ADDRESS and DISCONNECTED PHONE # for hard inquiry : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX - MT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: WELLS FARGO & COMPANY
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
So approx from XXXX to XXXX of 2023 my XXXX XXXX XXXX XXXX XXXX with many others were stolen in XXXX, XXXX do no use the card often so I didnt notice it for some time. When I reported it I told the agent that my phone and wallet were taken. Sometime after I noticed all my claims were declined. Not only did the women not include charged, she made false statements on the claim. She said I said I still had the card which is a lie and she failed to mention I didnt have my phone cause supposedly the responded to approve the charge. I then refiled claim and asked for them to review the call and show the women lied on the report. But the denied again, I asked for any evidence or why the are forcing me to pay for fraudulent charges and spoke with executive offices who promised to contact me and has never done. Wells Fargo has committed several illegal acts in my past from opening accounts I have never applied for and things like that. This bank has commented so much fraud against its customers I do not know how they are still allowed to be in business.

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 2019-11-10
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Not sure of any dates when I noticed this on my credit report I disputed it and it came back denied like its mines I did not notice the debt until I decided to be more involved with my credit to buy a house this debt is from speedy cash ... in 2016 I believe XXXX or XXXX some time I had all my personals stolen including my social bank details from my check book and I blocked my social and set out fraud alerts when I re covered all the missing personals and felt safe I unblocked my social and for job purposes even if a u lost your social its not like they give u a new number anybody couldve still used my information they is real scammers I did not apply for speedy cash if this was approved online is there way to track the device and location is was done or a video footage

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have reached out multiple times to my local chase in XXXX IL, and they have failed to solve my problem. I recieved my account number from a teller at my local chase on a business card. When I filed my taxes for XXXX on XX/XX/XXXX I provided the account number that chase had provided me. Well I was supposed to receive my direct deposit for my tax return for the amount of {$1100.00} on XX/XX/XXXX. Well XX/XX/XXXX came and no deposit was made when I contacted my local chase to see what the issue was on XXXX XXXX thus my first complaint. it turned out that the teller person had provided me with the incorrect account number. And the account number provided to me by my local chase was somebody else account and my direct deposit went into this other persons account. After reaching out multiple times and going into my local chase in XXXX IL in person chase has refused to reverse that payment back to the IRS or back to my account. Chase has also allowed somebody else to use of my money!!! Chase has refused multiple times to reverse the payment into my account and accept their fault at giving me the wrong account number. And they have allowed another person to use my hard working money that I earned. I have received a letter from the IRS stating that Chase is fully responsible for fixing there mistake. And reversing the payment to my account. This is not right! And I am extremely dissapointed. You are supposed to trust your bank and trust that they take care of your money. And the fact that they have refused and allowed someone else to steal my money is absured. I have filed a police report and this other person wont be so happy to hear that they are being charged with theft for stealing my money. As well as Jp Morgan Chase wont be happy to hear this is my 3rd complaint and nothing has been resolved and it will be posted on the reviews that they have refused to issue my refund back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My credit card account at Capital One was closed. I have asked the company to delete my personal, legal, and financial information. They sent me a website to do that, and I tried to get it to work, but it would not work. I called several times and they tell me there is no way to purge my information. I no longer have an account with this company. They have no right to store, use, sell, my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX. I received the attached letter from Wells Fargo, I am requesting that I do not get any phone calls and to communicate in writing only on this matter. They make mention of an account ending in XXXX and while I do have Wells Fargo accounts I do not have one ending in XXXX. I never had nor called to close an account ending in XXXX. Please see the attached letter from Wells Fargo.

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 2018-09-29
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been trying to get a reverse mortgage but we do not have enough equity. We requested Ocwen to accept a discounted payoff. At first the request was denied ang on XX/XX/18 I received a letter from Ocwen that they would accept a 90 % of principal balance payoff. Ocwen stated that XXXX XXXX, the trustee, had requested the discounted payoff. When we tried to move forward and asked for the discounted payoff letter from Ocwen, we were informed by Ocwen that because of the status of the loan, it was not eligible for a discounted settlement. The status being that the loan is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: AZ
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:
an account was opened in my name without my consent using my social and 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 2021-01-25
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Idenity was stolen back in 2017 and the person who stole it apply to many different apartments and now the apartment are try to go on my credit report as debts owed which I brought a house in 2017 XXXX dont need an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
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:
Self Lender / XXXX XXXX XXXX  has ruined my credit from their own derived fraudulent methods and stolen the small amount of money Ive put in thus dropping my credit by more than 137 points. All three credit companies since the Equifax fallout and my info being spread all over the dark Webb and fraudulent inquiries and accounts. 

Become qll three credit companies have difficulty verifying who I am I can not submit fraud reports directly to the CRA and am unable to start a proper investigation unless I pay for all three and their monthly fee. 

I cant afford that cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX Transunion keep listing an old XXXX  XXXX credit card bill thats XXXX or almost XXXX years old opened in XXXX. XXXX XXXX keeps selling credit card debt to different agencies and keeps punching back the date it should be removed. I had a XXXX XXXX and couldnt pay it. Now XXXX XXXX  is listing it. Ive dispute the dates but have no way of proving I stop paying in XXXX so its at least XXXX years past due. I cant see when this is going to come off?? XXXX years? Pleas help 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 2017-12-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX-XX-2017 I, XXXX XXXX XXXX XXXX, tried to open a new checking account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD. XXXX. I was told that I could not open an account, due to a ChexSystems report containing a file produced by XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX in reference to a Checking account held by myself, mother XXXX XXXX, and wife XXXX XXXX rtn.XXXX acct. ending XXXX. Closed non-sufficient funds X-X-2017 amount {$3700.00} This negative balance was a result of a charge back, reversal of provisional credit, as a result of fraudulent payments to XXXX drawn from the account in my mother 's name. This credit should have never been reversed, because the account was even deemed fraudulent by XXXX and payments were not due by anyone on the account. Furthermore, this should not effect my ability to open an account at another bank, for It did not concern me, my XXXX account, nor my ability to pay back a credit that was not my business even though the credit should have been sustained in the first place.

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 2023-04-04
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 fraud alerts or security freezes

Complaint:
Please delete the fraud alerts and extended fraud alerts from all 3 bureaus XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian:XXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CONSUMER DID NOT PROVIDE ADDITIONAL 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 non-monetary relief
Consumer complaint received 2023-01-11
Company: Fay Servicing, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In willful violation of Consent Order XXXX, FAY SERVICING LLC has caused a Foreclosure Action to be taken against my estate by filing false fictitious forgery documents in the SUPERIOR COURT OF CALIFORNIA COUNTY OF CONTRA COSTA XXXX XXXX XXXX XXXX Loan # XXXX even though the Order strictly forbids FAY SERVICING LLC from moving forward with any Foreclosure at XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX standing and proof of claim. A Writ of Possession and Eviction to be executed on or around Wednesday XX/XX/2023 has been issued XXXX # XXXX, Contra Costa County Sheriff 's office Civil Unit, XXXX XXXX XXXX, XXXX, CA XXXX lacking territorial jurisdiction i violation of due process. ( XXXX ) XXXX. FAY SERVICING LLC, XXXX XXXX XXXX XXXX XXXX  are currently engaging in Mortgage Foreclosure Fraud, Financial Identity Theft and Breach of Fiduciary Duties among many other financial crimes without remorse or regard to the interest of the public trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My bank didn't activity the 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 2022-03-24
Company: CrossCountry Mortgage LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I informed the company that I was deciding on a home and waiting to have seller resolve repairs. Mortgage company went ahead and did an appraisal without confirming I was purchasing. I have an email stating that if I didnt take the home I would be refunded. XXXX reports that they have an email stating I was purchasing from my realtor but can not produce

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
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:
There are accounts that are being reported on my credit file that I have never approved of. I am so confused on how something like this could happen. I am the only person who is authorized to use my credit and I have not given authorization to anyone else. Please look into this issue and have these files taken off 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 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
CAPITAL ONE ACCOUNT ; XXXX DATE OPEN ; XXXX 2016 THIS IS A ERROR REPORTING ON MY ACCOUNT THIS ACCOUNT WAS PAID IN FULL IN WAS SUPPOSED TO BE DELETE FROM MY CREDIT FILE. THE COMPANY ACTED IN BAD FAITH. I WOULD LIKE THIS ACCOUNT REMOVED WITHIN 14DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I made arrangements with XXXX XXXX to take out XXXX dollars monthly from my account by electronic check until the debt of XXXX was paid off. They were to be 9 checks of XXXX with the last payment of XXXX to be the last paymentmade in XX/XX/XXXX. There was audio recorded of my conversation with the representative which they have not provided. They have only provided me with the account statement. No proof of the payments that o have made. They said they had only received the first payment and last payment. Below I have provided proof that the checks and money were being taken out my account. XXXX has since sold this info to XXXX XXXX XXXX  and now they are harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06
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: Account status incorrect

Complaint:
XXXX  reported me as late on a mortgage payment for XXXX / XX/XX/2020. I was not late, my file was in review for mortgage forbearance. XXXX  told me not to pay and to wait for their review. This took over 2 months of waiting. We called repeatedly, at least once a week and they said we'd receive a letter, but it never arrived. 

Finally in XXXX 2020 we decided to pay to bring the mortgage current, not wait any longer. 

XXXX has since filed negative info to the credit bureaus, saying I was late. The credit bureaus are not doing anything to correct the mistake, but this is clearly a mistake by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
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: Public record information inaccurate

Complaint:
I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

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 2019-03-07
Company: STATE FARM BANK, FSB
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 sent you a complaint against STATE FARM BANK. Yes, you may say this is a duplicate. I have tried call them to discuss the issues. I have been on hold for over 30 minutes after recoding said 6 minute wait. 

I don't I don't have {$340.00} past due. I don't have this amount due as payment. 

They need to credit the FRAUD charges and re-evaluate amount due. There is a new charge for XXXX {$17.00} I told them when XXXX was removed not to allow auto bill from this company. They did allow this creditor XXXX called them again to credit this back. They charged two different card for this one charge. This card should have never been charged XXXX explained that to you in 2018 If not I won't pay another dime and will file CHAPTER??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX ) $ ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ( XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is a follow up to case # XXXX as the concern is still not resolved. 

My request was misinterpreted. I did not request a list of the periods that did " not '' qualify and why. First, I specifically asked for reconsideration of the payments made in XX/XX/XXXX and XX/XX/XXXX due to the new law signed into Congress as I had described in my complaint. Additionally, I'm not sure why you are saying I was in deferment for one month back in XX/XX/XXXX. I had never to my knowledge been informed of this nor did I request a deferment. Please explain. Lastly, I'm asking for the official letter, as originally requested, showing the total number of qualifying payments I've made toward PSLF, which still hasn't been provided to date.

Company response to consumer: Closed with explanation