BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: Southwest Credit Systems, L.P.
State: NJ
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:
A derogatory report was placed on my credit report from a company XXXX XXXX with no account number or any information in amount of XXXX which is not an account that belongs to me. I t is not mine. Tried to dispute on XXXX  but they require account information to include who is reporting and an account number. I do not have thus information How can anyone be allowed to do this and I am asking this be removed from my report and the company that did this to me to include name and their backup do that I can pursue further action Had it not been for XXXX  XXXX I would not have known this do I have to believe they are doing the same type of thing to other unsuspecting people. They need to face consequences for such action I have faith that XXXX XXXX will take care of this and help me resolve it and cause my credit score to go back up where it should be XXXX XXXX  is a great service. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: MS
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$15000.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

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 2021-10-18
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was involved in a car accident in XXXX.the other driver was deemed at fault and the insurance company had me sign documents stating they would pay the XXXX XXXX XXXXXXXX bill.once I seen the bill was on my bell credit I contacted the insurance company and they sent me documents proving that the bill was paid and the check cleared. When I tried to contact XXXX XXXX XXXX  its say they are permanently closed.

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 2021-10-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
they are reporting 30-59 days late from XXXX which is incorrect all payments was on time an up to date

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$15000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2019-05-17
Company: Flagstar Bank, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
MymortgagewastransferredXXXXXXXXtoFlagstarBank.DuringthetransitionperiodXXXXXXXXreportedtothecreditagenciesthatmymortgagewasclosed.OfcourseitwasnotcloseditwastransferredtoFlagstarBankbyXXXXXXXX.MycreditreportsufferedbecauseofthisandbecauseFlagstarBankdidnotreportmymortgagepayments.IreachedouttoFlagstarBankandtheysaidtheydidreportitandIbuttheycouldnotshowmeverificationofthis.Iwouldlikethissituationrectifiedassoonaspossible.Thankyouforyourhelp.

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 2019-06-25
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received notification in XX/XX/2019 of debt from LNVN being reported on all three credit bureau reports. Reviewed reports and noticed a collection of {$5700.00}. This collection has decreased my credit score. I have never heard of this company nor received any type of correspondence verifying this debt nor any correspondence showing their authority of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: OH
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 an account showing on my credit report that I never owed a debt to adn it was never in collections from SOC SEC ADMIN OFFICE XXXX. I need this error corrected at once. I am in the middle of closing on a new business contract for my XXXX XXXX company and this inaccurate account item is stoping my from doing 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 explanation
Consumer complaint received 2018-02-15
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Upon review of my recent mortgage statement, the loan balance has reached 75 % of the appraised value of my home at the time of purchase, yet PMI was not automatically canceled at 78 % as required by the Homeowners Protection Act. The mortgage statement indicates ongoing payments toward PMI. The appraised value of my home is {$120000.00} ; the loan balance is {$90000.00} ; the debt to appraised home value is 75.4 %. Twelve or more excess PMI payments have been paid since the home value reached the prescribed cutoff threshold of {$93000.00}.

Rather than contact the loan servicer ( Chase Bank ) on this matter, I am reporting this directly to the Bureau for a more detailed review. In my opinion, there is a high probability that this is a systematic problem rather than an individualized one and many, many consumers could potentially benefit from an in-depth review of these billing practices.

My mortgage statement does not show the original appraised value at the time of purchase. Without this information, the casual consumer, such as I have been, could easily and blithely continue paying unnecessary PMI until the Chase system flagged it for automatic termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have not been receiving important deposits into my account. Firstly my ex husband pays me child support every week with XXXX XXXX partnered with Suntrust and many other banks ), and I never had to do anything to receive the money. For the past XXXX weeks XXXX has texted me saying that my ex sent me payments and to receive them. They are not showing up on XXXX and I havent received any payments for XXXX weeks. Also the IRS sent my tax refund XX/XX/XXXX and it as supposed to deposit by the XXXX. I called suntrust the XXXX and they apparently dont even see the deposit. I think suntrust is intercepting these important deposits.

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 2018-11-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX and I have attempted to unfreeze my credit with experian for over a month. I have sent them all documentation requested, and in return they do not answer their phone, emails or correspondence. I received a copy of my credit report with information that i requested a security alert. This is a total lie. Experian is holding my credit report hostage and will not unfreeze my report. 

I am trying to apply for a mortgage loan, and can not until my credit is unfrozen. XXXX and XXXX both unfroze my credit. 

these are the papers i received from them. I tried to log in with the report numbers, and it will not let me do this. 

I will lose XXXX dollars of earnest money if I can not get credit unfrozen. 

I sent everything to them as well as certified mail, over 10 days ago. 

These people are ACTING UNETHICALLY, AND THE FACT THEY DO NOT ANSWER THEIR PHONE, SPEAKS VOLUMES. THEY ARE FORCING PEOPLE TO BUY THEIR PRODUC T. THIS IS WRONG, AND THE GOVERNMENT NEEDS TO PROTECT US AGAINST THIS UNFAIR BUSINESS PRACTICE., They need to be stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 was in the process of buying an XXXX  for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.

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 2021-02-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020, Chase reduced my credit limit by {$4500.00} ( from {$12000.00} to {$8000.00} ) the amount of available credit I had on a credit card I have with them after making a payment of that size. 

I made a significant payment of thousands of dollars on my Chase card to have more available credit and improve my credit. Immediately after making the large payment, Chase reduced my credit limit just above new, lower balance, thereby rendering my card fully utilized and effectively nullifying any financial improvement or benefit of the sizable payment. 

I made the hefty payment to Chase to open up available credit so that my card would not be fully utilized. The available credit would have helped improve my credit score and general financial standing for my finances in the future. Reducing my credit limit, immediately after making a payment, just above my lower balance sets me back financially and prevents any potential improvement with my finances and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX is reporting wrong dates and amounts on my credit reports, I call them and they just act like they dont now what Im not talking about.

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 2021-10-19
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 noticed that Equifax is reporting two inaccurate negative items in my account on XXXX  XXXX XXXX, one inaccurate negative on XXXX, and one inaccurate negative on XXXX XXXX. The four negative accounts are showing that I have a chargeoff account that has a balance on it. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA was acquired by PNC and I have not been able to access my account through BBVA or PNC. I have called several times over two weeks no one has answered or I have been on hold with the call just ringing. I have called on XX/XX/21, XX/XX/21, XX/XX/21, XXXX. I have tried accessing my account online through both BBVA and PNC. I am still not able to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I secured a loan via XXXX for {$1200.00}. During my phone call with this company I specifically asked what the terms were and if there was an early payoff penalty. I was assured I could payoff the loan at any time. It was my understanding the loan was {$1200.00} and the payoff amount was {$1500.00}. This would be 27.5 % interest and the loan would be paid in full in 4 payments, or 2 months. After a 5th installment was collected on XX/XX/XXXX I contacted the company directly. We were, and continue to be, in the midst of an economic crisis, and I inquired why XXXX was still taking payments. At that point I was notified my payoff amount was {$4500.00} on a {$1200.00} loan. This is an interest rate of 688.73 %. Not only should that be criminal, but it's even worse considering the current economic conditions. On XX/XX/XXXX the person I contacted advised they would ask their " support team '' to review my phone call and get back with me. No one ever contacted me again, and on XX/XX/XXXX another installment was debited from my bank account. This means I have already paid {$2200.00} on a {$1200.00} loan and that's 91 % interest. At no time has XXXX even offered to provide ANY relief due to COVID-19, and I believe this company is a predatory lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My Wife used the American Express Platinum concierge to help book tickets with the XXXX  to use our Airline status for upgrades, we were assured the itinerary was applicable to those benefits, we then booked, the tickets issued were not applicable and then AMEX refused to cancel the itinerary the way in which it was booked, the customer service teams passed me back and forth for more than 6 hours over 2 days and 15+ different people including supervisors. I was then offered XXXX points by an associate as compensation, then they reneged on that the following day. 

The points values are misleading, they have bait and switched us on travel and associated benefits, and they have lied on recorded calls promising compensation and follow up. Their website changes prices and manipulates data to make it more appealing with limited explanation. 

Please investigate the Customer Service, Points Benefits Programs, Travel Price Manipulation and Refund Policies of AMEX Platinum Travel and their affiliates. 

This all happened XX/XX/2020 - XX/XX/2020 and is still ongoing. I have yet to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the fair Credit Reporting Act. The list of inquiries below has " Violated '' my Federally Protected Consumer Rights to Privacy & Confidentiality under 15 USC 1681 Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602A : States I have the right to Privacy **15 USC 1681 Section 604A Section 2 : It also states a Consumer Reporting Agency can not furnish an account " without my written instructions '' **15 USC 1681c. ( a ) ( 5 ) Section States : No Consumer Rep

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2019 I called Equifax 's customer service phone number to request a copy of my credit report. I was told that there was information I responded to that did not match what Equifax had on record. I was instructed to fax a copy of photo id, social security card, and a current pay stub. All was provided the same day. 

I waited thirty 30 ( thirty ) days, and still did not receive a copy of my report. On XX/XX/2019 there was a request for separation from employer information submitted by the NJDOL Unemployment division. There was a fraudulent claim submitted under my name and social security number. I immediately contact the fraud division and had the claim terminated. 

On XX/XX/2019, I submitted a copy of the letter I faxed to NJDOL to Equifax to prove that my identity has been compromised. Still no copy of my credit report was released. On or about XX/XX/2019 I resubmitted my proof with a copy of a letter I received from the Department of Labor, verifying that my identity had been stolen via fax to Equifax ; still no copy of my credit report was released. 

Upon researching the FTCs website concerning Equifax 's data breach, I discovered that my identity was one affected. I claimed the {$120.00}. On XX/XX/2019 I submitted a letter to XXXX XXXX XXXX Request Service @ XXXX XXXX XXXX XXXX, GA XXXX with copies of all my proofs in writing for a copy of my elusive report ; to no avail. 

On XX/XX/2019, I received a letter from Equifax Information Services, LLC XXXX XXXX XXXX XXXX, Ga XXXX acknowledging my request for my credit report, however ; demanding another copy of my photo id ; social security card ; W2 and or pay stub be resubmitted in writing via mail. Said letter also claimed that I must submit documentation for a CURRENT MAILING ADDRESS, which is an address I have not lived at for over a decade. Again I released documentation with my TRUE CURRENT information. 

On XX/XX/2019, I received a phone call from one XXXX XXXX Credit Card regarding a delinquent account. I received the account number for same, after explaining to Ms. XXXX XXXX that my identity had been attacked as a result of a data breach, and that the credit account in question was a fraudulent one. I was instructed to submit my documentation in writing with a letter explaining what happened via fax, so that the account could be marked as fraud and closed. I obliged. A copy of said letter was also faxed to Equifax, with ANOTHER copy of all documents submitted since XX/XX/XXXX. Still to date, I HAVE NOT RECEIVED A COPY OF MY ANNUAL CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have two collections on my XXXX Credit report from XX/XX/2014, they are from a company called CMRE however it says they are originally from the city of XXXX  XXXX. They showing a balance of {$2000.00} with an original loan amount of {$1300.00}. and another with a balance of {$410.00} I have tried to contact CMRE multiple times and I have not recieved any mail, returned calls, or anyone willing to help verify that this is my debt, I have sent them written requests and I have disputed through XXXX, and XXXX says I have to write another letter. These collections are holding me back from starting my new family and incesting in my future and I would like to file a complaint becasue I feel that by not responding to me and clarifying my debt that they are out of compliance. 

I am 100 % confident this is either a mistake or some sort of identity theft

Company response to consumer: Closed with explanation