BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a dispute through the Consumer Financial Protection Bureau to Equifax this past Friday stipulating that two accounts from XXXX aren't mine. 

I can't believe they are already saying they have verified the accounts. They have clearly violated the Fair Credit Reporting Act. Can you investigate the process of the verification of those accounts on behalf? 

Also, can you investigate the inquiry from XXXX  XX/XX/2019? 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent certified letters to all three credit bureaus with tracking and receipt tracking. I have sent a letter to remove inaccurate personal identifying information to all three bureaus on XX/XX/2023 that included my drivers license, phone bill and social security. I've also sent a letter to all three bureaus to remove inaccurate credit information on XX/XX/2023 and a letter of method of verification was sent to all three bureaus on XX/XX/2023. They all have lapsed with the time frame to reply with my last request on XX/XX/2023 and are still reporting with inaccurate personal identifying information. 

In accordance with the FCRA, all three bureaus has violated my federally protected consumer rights under the following Consumer Code of Laws.

15 U.S. Code 1681 a ( 4 ) Due to privacy and confidentiality under Receiving a post card with any update from Experian and having the postal service know what is being done is also violating my privacy. 
15 U.S. Code 6802 Not one creditor gave me the option to Opt Out 15 U.S. Code 1681i ( a ) 6 ( B ) ( iii ) Did not receive Method of Verification requested Per FCRA 611 ( a ) ( 7 ) did not reply in 15 days 15 U.S. Code 1681i ( a ) a complete investigation Per FCRA Section 604 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 a

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 2023-04-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX phone XXXX Fax XXXX This people froze my XXXX XXXX acount for XXXX dollars that it was for my rent, and are asking for my bank information to take money out of my account for a credit card with Victoria Secret that is from 8 years almost nine years ago, they got, I tried to see if I can talk to them and I was told to fill out some paperwork and when I saw it it was they asking for my bank information my car information etc, I am not feeling comfortable with this and besides that credit is so old now it should be out of my record, please help, I need advice about how to handle this situation, thanks, my number is XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I saw an inquiry on my credit report from Equifax consumer affairs that was done without my consent. when you contact them they give you the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXXXXXX  Date of inquiry : XX/XX/2022 Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this 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 non-monetary relief
Consumer complaint received 2022-07-14
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX XXXX on XX/XX/2022 I received a SMS text message advising me that my balance in my account was - {$52.00} as of XXXX XXXX. I went and made a deposit of {$100.00}, less a {$40.00} withdrawal, for a total of {$66.00} being put in my account that day in the ATM in back-to-back transactions ; all before XXXX XXXX. The next day on XX/XX/2022 I was assessed a {$35.00} overdraft fee ( for a credit card bill payment transaction for {$100.00} I initiated on XX/XX/2022 ). 

*sighs* Once again, the bank is stacking all of my transactions to rearrange them so that a overdraft fee happens. But I don't understand why they would do that if they are operating in good faith / legitimately, as when they notified me on XX/XX/2022 of my negatively, I went and made a deposit ASAP to bring my account positive. I can only react off the information they give me. 

Please have them refund me the {$35.00} immediately, thank you.

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 2019-04-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have two Chase checking accounts. I needed to make a payment to XXXX as quickly as possible to get money on the card for my child who was traveling. When I authorize the payment to XXXX Card the balance was well above the {$500.00} that I authorized. However Chase allowed another payment to another vendor to go through. On XXXX side they attempt the {$500.00} payment twice before they cancel it, and during this time they don't allow me to make any other payments. Chase is essentially saying that I should have known that the balance reflected on the mobile app is not accurate, that I should have known that an automatic payment to the third vendor was going to occur at the same time and that they can't help me. Essentially they admitted that the balance shown in real time on the mobile app is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: MoneyLion Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a loan with moneylion bank and there was an outstanding balance on the off {$130.00} I have communicated with moneylion through email and phone that if I pay off my outstanding loan in full that the loan account information will be deleted from all 3 credit bureaus and delete any information connected to that loan. I spoke to customer service and by email they assured me that they will do that by email and phone conversation. The person that I spoke to over the phone her name is XXXX and she assured me that she will put a note in the system for the account to be deleted when paid off. Ever since the loan have been paid off on XX/XX/2020. The account have not been deleted off my credit report and I tried numerous times by email complaining about the loan account never got deleted and its hurting my credit score. First they say it will take 30days to delete the information, then after 30days to 60 days and more, the account still report negatively. The status of the account change from paid/ok to charge off ( CO ). Then moneylion change their story and said they will not delete the account. I have dispute this account will all 3 credit bureaus and moneylion bank refused to hold up their agreement to delete the account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Navy federal seized my bank account on XX/XX/XXXX for the amounts of XXXX checking XXXX checking I had no knowledge of the debt because I never received written notification. I spoke with an agent in the credit card department and he stated that there was a change of address around XX/XX/2016 made by my attorney for veterans compensation. I had no knowledge this occurred, therefore I could not act on a letter that I was being sued because my mail went to my attorney, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: AMERICAN EXPRESS COMPANY
State: NY
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, and this a new complaint with updated information that has since been discovered after careful research and review. 

I have reviewed the documents presented in the last communication and have discovered that all statements provided from amex seem to be inconsistent with the postal rules prescribed by law. i have a few questions. 

why does none of the statements include this notice? the following notice : This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer. ; or in lieu thereof, a notice to the same effect in words which the Postal Service may prescribe. 

Are all statements provided in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due? 

What makes amex exempt from these standard postal rules? 

also, your agency has sent notices in the mail soliciting payment and so, what makes your agency exempt from these standard postal rules? 

What your agency and amex is responsible for is for sending non mailable matter and is a civil and criminal offence. 

your response is appreciated. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: PHH Mortgage Services Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I entered into a 4 month trial mortgage modification in XXXX 2015. At that time I paid a reduce of amount of mortgage until the end of the trial. At the end of the trial I was offered a 40 year mortgage, which I refused. I was told at the time of the modification if I did not choose to permanently modify, my mortgage payment would go back to the original amount. However, I found out a month later that I was charged the difference, which meant I was a month behind in a mortgage payment. I WAS NEVER LATE. Now, I am paying a higher mortgage to make up the difference and they are reporting me late to the credit bureau. It is not FAIR!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: FULTON FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fulton collected {$1700.00} as initial escrow funds for my account. 
Fulton charges me {$440.00} every month to fund my escrow The statement says escrow ( taxes, insurance ). Every email I have from them says insurance + taxes = escrow. 
Their excel sheet used to agree on the amount shows hazard insurance and taxes. 

Fulton refused to pay my home insurance claiming it is not their responsibility.

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 2018-04-08
Company: JPMORGAN CHASE & CO.
State: WA
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:
XX/XX/XXXX I reported to Chase 6 unauthorized charges on my credit card. They cancelled card ; reissued a new one and accepted my 6 disputed charges via the phone call. They credited/resolved 2 of the 6 charges after my research showing them confusion on thier part on vendor. The 4 other disputed charges were credited and then rebilled in XX/XX/XXXX. I made several phone calls to dispute department trying to resolve charges. I received some US mail documents saying they received and will be researching. I reached out to merchant to verify if Chase had contacted them and they had received only 2 of the 4 disputes along with an email that tells merchant not to give me credit as they Chase has provided me credits.Also received some confusing documents with no information and a blanket type statement We can not continue due to lack of information. I then per thier request mailed certified documents to thier XXXX XXXX dispute department in XX/XX/XXXX. I received a letter stating this dispute has gone beyond time limits and we are closing the case. I in XX/XX/XXXX ; reached out through social media ( XXXX ) to Chase to try and resolve. We communicated and set up a time for them to call me 3 days in a row ; which they never did. 
I have all documents and copious notes of all attempts and copies of my twitter out reach with thier responses. I also have email from merchant supporting Chase neglected to dispute all 4 charges to this merchant. 
The amount of unresolved disputes is {$700.00}. 
I can also provide the reason these charges were unauthorized, if needed. 

I will send all documents if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A stranger fraudulently requested a new Direct Express card. I was alerted because they were trying to change the PIN and I received a notification. I immediately contacted Direct Express, and they took action to close and send me a new card. The account was comprised again through this process and the perpetrators charged and emptied my account from two different cities that I did not travel to. 

In processing this claim with Direct Express Fraud department, they have determined that no fraud has occurred and closed the case. 

Please see detailed documents attached in .pdf file. 



Direct Express is negligent. They gave my card to an imposter and now wont be accountable to offer simple consumer fraud protection offered by any standard debt/checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to contact Portfolio Recovery many times with no follow or success. They refuse to validate the debt they are saying is owed. They state they are collecting on behalf of XXXX XXXX. I currently have a XXXX XXXX credit card so it makes no sense to have a current account but they are saying this account is from 2014 which is not true. This is not my account. Maybe it was my ex-husbands account but yet they refuse to send me proof that it is my account. I even sent a certified letter to reach an agreement to get this off my credit. This is keeping me from purchasing a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Citibank sent me a debt card/MasterCard that I never applied for a long with emails telling me to deposit funds. When I called they gave me the runaround of three different numbers for the fraud department. Finally getting someone in the right department, they wouldn't tell me if the account had more than one email attached to it or if another card had been sent to another address. They started a fraud claim and I received a letter saying that no transactions had occurred on the account and somehow missed the point that this was an unsolicited 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 2015-10-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXXThis is my number which has the wrong bank name on it. I was never a customer of XXXX XXXX XXXX, that was my mother 's bank which I was writing about. 
Select Portfolio Servicing Inc. Account number XXXX is the bank at this moment. My home on their BPO is worth about XXXX. I have a deferred amount of XXXX, XXXX that is supposed to be paid back in 25 years. Which is not what I was told by XXXX on XX/XX/2014 This deferred amount was to be removed from the mortgage amount. XXXX, who had a suit won against them, sold my mortgage to XXXX who then sold it to Select Portfolio Servicing Inc . Somehow after speaking with XXXX, XXXX and Portfolio Inc. The documents for my deferred payment forgiven has been lost or somehow not attached to my file. The bank got a bail out and I am still stuck with a mortgage of XXXX and the house is worth only XXXX or less. Now Select Portfolio is saying I can get help through XXXX a new program that will give me XXXX to move. So why would I leave my home for XXXX when I have a mortgage payment of 2 %. If they are right they would remove the XXXX deferment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX, XX/XX/XXXXand Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.

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 2022-11-11
Company: EQUIFAX, 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:
Please remove unauthorized inquires 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX  SOLD THE XXXX XXXX credit card to Comenity bank. Not having an invoice or payment address I sent a payment of {$400.00} in XXXX. I then followed that with a XXXX  {$1400.00} check. The {$400.00} payment was deemed late, and a fee charged. The {$1400.00} check was cashed on XX/XX/XXXX by Comenity Bank at XXXX  XXXX XXXX. It was never posted to my account. Calls were transferred to the next available Agent, but all anyone heard was beep, beep, beep, were sorry but you have reached a number that has been disconnected or is no longer in service. Numerous calls by friends, relatives and associates, /day/week ALL had the same result. 
We used the phone, because we could not log into the site.. ooops, a glitch has occurred. Please try again. Or we are updating our system, all you can do is pay your bill. I already paid my bill, I wanted to find out what happened to my {$1400.00}! I sent a XXXX payment of {$500.00} on the XXXX. ( actually I do not write checks. My bank, XXXX, sends the checks or transfers. ) I managed to login in mid XXXX, and electronically send a copy of the cancelled {$1400.00} check. Then no access for three weeks! I sent a letter with a copy of both the front and back of the check. Nothing! No email, no customer service reply and apparently no action. 

I was so frustrated that on XX/XX/XXXX, I requested XXXX XXXX  to send a {$6000.00} payment. Nothing happened! No site access, no email, no invoice, AND, still no action by Comenity bank! 

I mailed a Certified letter from XXXX, Texas to XXXX XXXX ( XXXX miles ) with printed copies of the cancelled check, it took over 10 days to receive the signed return XXXX  card. And the nothing has happened. 

So, when this all started, the balance was around {$7800.00}. XXXX XXXX has sent Comenity Bank checks in the amounts of : {$400.00}, {$500.00}, {$1400.00} and a {$6000.00}, at my request. A total of {$8300.00}. Today I was able to log in for the 1st time in over 1 mo., to see my XXXX statement. It says I need to send Comenity Bank a payment of {$490.00} by XX/XX/XXXX.!! 

Please help me with this gross financial problem. 

Graciously XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Overdraft, savings or rewards features

Complaint:
I have been issued a reward card which expired XX/XX/XXXX. Reward card was issued by Kohls for {$150.00}. 

Now they are not re-issuing the replacement card

Company response to consumer: Closed with explanation