BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/2022 XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, 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:
Dear Equifax : I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for was placed within my credit file in XXXX, 2018. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Equifax to follow the law : Either provide documentation that the law was followed by contacting at once, or remove this offending inquiry as soon as possible.i sent these letter to these credit bureaus and i never get a responds and their no way. I can run my credit report 80 to 90 times making me not get anything and i keep dispute things on their and they never respond and when i call they tell me i got all my answer wrong i have medical issues and i cant be dealing with this head ache i have a XXXX XXXX XXXX and it very stress knowing these people messing up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Per Ocwen house sold XX/XX/XXXX, says use XXXX see trustee letter, when i call same voices from Ocwen, they can use there own foreclousure company? why isnt house on the website as sold? ILLEGAL PROCESS, renter in property! Who process is an illegal foreclsoure, now XXXX says sold XX/XX/XXXX!?!!?!?! And i filed a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate under the name XXXX XXXX. Whereas I believe them to be a debt buyer, PORTFOLIO XXXX XXXX, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, correspondence, and financial and corporate records that pertain to accounts XXXX, XXXX, XXXX ON THE PRIVATE AND PUBLIC SIDE. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I originally submitted a complaint on XX/XX/19 regarding the mishandling of a refinance through Select Portfolio Servicing ( SPS ). I received a response on XX/XX/19 that doesn't even address all of the concerns I listed. They indicated that I was requesting more information about the CEMA. That is not what I was doing. I provided a detail account of the multiple missteps SPS took in handling the refinance that resulted in significant, additional fees I incurred. SPS was completely non-responsive, untimely and irresponsible with the handling of my refinance. If you reference my original complaint, you can see that I am requesting a reimbursement of fees I incurred. I expect a more thorough review of my complaint. The response I received from SPS is unacceptable is a further testament to why this firm should not be in business. I will continue to take action until a satisfactory resolution is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2021-06-11
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) has been sending me collection notices in the amount of ( XXXX ) and ( XXXX ). The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: JPMORGAN CHASE & CO.
State: CA
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 booked a ski rental with XXXX XXXX XXXX XXXX through XXXX for 2 days, from XX/XX/XXXX to XX/XX/XXXX. Check in time was XXXX. We arrived in XXXX early and purchased {$400.00} worth of groceries. 

At XXXX, 4 minutes ahead of my check in time, I received a call from XXXX XXXX  stating the door was broken and they had no time estimate for when we could check in. I attempted to call back 3-4 times over the course of nearly 4 hours while we sat in a snowstorm with poor service and a warming-up car full of perishables. During that time we attempted to book a different property, but nothing was available to house 7 people at short notice. Finally, at around XXXX, we were able to get into the house. 

I attempted to resolve the issue with XXXX XXXX, who had offered an empty promise of refunding the {$380.00} cleaning fee, but they deliberately avoided me. This prompted me to go through Chase Sapphire Reserve. 

On XX/XX/2022 the Chase rep assured me this would be resolved, stating " it is easier to ignore consumers than large banks. '' This temporarily removed the balance of {$1800.00} from my account. 

In XXXX I received a call from another Chase rep stating that they can't refund the full amount, but he could confidently get back half ( {$920.00} ). He even said " I agree you should not have to pay the full amount given you did not receive services as described. '' He also mentioned the merchant offered to return the cleaning fee, which I was unwilling to accept given the amount of my time they wasted. 

Finally, on XX/XX/2022 I received a letter stating the full amount was valid. When calling chase, they told me I had no options other than " to go to a chase branch and fax in an appeal, which is unlikely to succeed, or report the company to the XXXX '' I am now left with no other options and feel swindled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. This is a second request. Please remove them. I am not a credit repair company nor a mortgage company.

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 2017-07-14
Company: Bread Financial Holdings, Inc.
State: FL
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:
im working with XXXX XXXX to help repair my credit .little over a year ago someone tried to use my ss # i had to send information to the irs and other creditors so if you could please remove the hard inquires on my report i would appreciated thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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:
On XX/XX/XXXX, it was reported that my address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

I came to the XXXX in XXXX ( see attached my XXXX ). From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

I moved to XXXX in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I lived at XXXX XXXX XXXX, XXXX, XXXX XXXX ( See attached receipt of purchase with my delivery address at that time ). 

Starting XX/XX/XXXX I was living at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX until XX/XX/XXXX. 

I have never lived at 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 non-monetary relief
Consumer complaint received 2022-08-15
Company: Mobiloans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had no knowledge of this loan until I was contacted by a company call XXXX XXXX on XX/XX/XXXX, They told me they were contacting me on behalf of Mobiloans an online lending company and that I was being sued for an amount that was not disclosed to me. It was said the loan was taken out somewhere in " XXXX ''. The rep on the would not give me her name and she was nasty. I reached out for help where I was then given contact information on the company mobiloans. I called the company and spoke with a rep named XXXX who gave me information on the account. The loan amount was {$1500.00}, taken out on Tuesday XX/XX/XXXX, at XXXX using an old address that I used to live at. Using what seems to be my XXXX XXXX bank account. I have pulled my bank statements from XXXX and XXXX and online deposit of XXXX was ever placed into account. 

I can also attach my bank statements that show on XX/XX/XXXX, I did receive a loan in the amount of XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-10-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Citizens Bank has refused to transfer an investment account to another bank. They have put XXXX XXXX blocks, denied access, and altered documents to prevent me from withdrawing an investment account. They have igned my numerous requests and correspondence. I am XXXX for my uncle, and they refuse to acknowledge my authority to handle his account. They purposefully altered a notorized document to prevent me from making a transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: AMERICAN EXPRESS COMPANY
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:
I got these accounts that are not mine and i want it to be removed from the 3 credit reporting agencies. See the list bellow 1. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

2. Identity Theft AMEX Account Number : -XXXX**** This is not mine.

3. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

4. Identity Theft Chapter XXXX  Bankruptcy Case Number : XXXX  This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Given bogus account numbers theft of funds screamed at by staff illegals on call refused checks basically lied too XXXX, told a bout thirty min ago my acct, number do n't work.ssi ssa checks missing this banks a failing XXXX, XXXX bank it 's nothing.s sections,1692 e -- k, ,violates regarding misrepresentation, n false statements n lies n debt collection or elevating I should say theft vs my funds n my account about two days ago I was told $ XXXX, some change in account n ssi ssa check had n't hit yet, but XXXX $ is missing banks not coughing it up fine this bank to for disclosure scams solicitation by illegals on call of id theft victim XXXX, and basically when u call debit card number it dispelles, all your data on thee,  call to whoever may have gotten your card huge security breach XXXX XXXX, there shut Huntington down the calls are recorded for quality control purposes so if you think I 'm lying just took the call she said the bank number after giving it to her the Immigrant lady female XXXX she said that it did n't work what they gave me a non-working bank account number than what the XXXX I never delegated any Authority or assigned any power through my words verbally to the bank telling them to take my money and still it move it or nothing like that so I do n't know what 's going on with my checks from Social Security and XXXX getting his Banks XXXX I rest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, TX 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 2019-01-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
It has been a battle with this bank since day one with their illegal fee charging! Even when we have money in the account to cover fees, they charge us overdraft fees!! They are stealing from their customers and it must stop!! I do not have the time or patience to go through the account for each THEFT so i am going to focus on this last one because I am done and will be switching banks!! 
We were charged an overdraft fee, they say, for a charge on XX/XX/23. THERE WAS MONEY IN THE ACCOUNT!!! Please see XXXX  report. After the last time I had to fight them to get the money back THEY STOLE FROM US and they refused to, I have been VERY CLOSELY monitoring the account and even closed the savings account as a first step to get rid of them. THEY HAVE NO RIGHT TO DO THIS TO THEIR CUSTOMERS!!! This bank should be shut down for all the illegal actions they take on innocent consumers!!!

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 2019-01-25
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/18 I drove to the atm located in the XXXX XXXX XXXX in which I tried to withdrawal XXXX, the machine defaulted and I canceled the transaction and drove to the bank and withdrew XXXX from the bank atm, my account was debited for both transactions, I disputed the charges on XX/XX/18 with XXXX in the branch and since said date have received 5 denials of the refusal to return my money, I also found another transaction dated XX/XX/18 in which my account was double debit in the amount XXXX I faxed receipts for the transaction and was refused reimbursement for the bank error, each time I requested them to review the camera footage of transactions and each time I am told the atm has balanced for the day in question

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-22
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 noticed a Collection on my XXXX XXXX & Experian credit report on XX/XX/2020 XXXXXXXX XXXX is reporting a balance on my Credit Report for {$3900.00} which is not my Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX XXXX sent a misleading email stating that we were 2 % from our companion pass. This email induced us to spend money on the chase card ( which is how wed earned the overwhelming majority of our points in 2018 ). The email did no state that spending on the chase card between XX/XX/XXXX and XX/XX/2018 would add 0 qualifying points toward the XXXX companion pass. Furthermore, on or about XX/XX/2018 I called XXXX and spoke to a representative who confirmed multiple times during the conversation that {$1.00} spent on the chase card = 1 point toward my companion pass. The southwest representative understood that I was referring to the 2018 year for the companion pass. XXXX thru the email they sent on XX/XX/XXXX and the phone conversation with their representative on or about XX/XX/XXXX misled me, the consumer, in such a was that induced me to spend over {$4000.00} on the Chase card between XX/XX/XXXX and XX/XX/XXXX. Had I not received the email from southwest I would not have acted in the way that I did. XXXX misled me, to the benefit of Chase. I can provide the email and subpoena the phone call with XXXX from XX/XX/XXXX as evidence supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: FL
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:
Experian violated the fair credit reporting act. Information attached.

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 2021-06-11
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received an alert on my phone questioning a transaction. I called customer service at NetSpend and stated I did not authorize the charges. 
This triggered and instant response of the card being marked lost/stolen and shut off the card. Suddenly I had no card to pay my current bills and the funds were trapped in that account. 
After about 6 hours of unsuccessful calls to customer service there was no solution to paying my car loan and insurance on time. 

Then to add insult to injury even though the card had been blocked at around XXXX on the XX/XX/XXXX they posted additional charges to my account through that blocked card at XXXX XXXX  that night. 
All the activity discussed exists on my Netspend account on XX/XX/XXXX through XXXX 2021, the account alerts show other attempts also that failed to get through.

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