BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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:
In regards to CFPB Complaint # XXXX, I sent the customer service dispute dept a letter stating that if they continued their attempt to collect the {$110.00} charge for a fraudulent merchant, I would close my account with them. In response to that letter, BAC has sent me a letter dated XX/XX/2019 stating that my account had been closed. The letter states that I asked for it to be closed. The fact is that I only said that I would close my account depending on the resolution of the dispute.

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 2019-05-14
Company: Ocwen Financial Corporation
State: CT
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:
Ocwen Loan servicing keeps incorrectly showing my account as being late. 
They recently transferred my account to PHH, in the process of switching account they reported that I was late in XXXX 2019. This is incorrect as I have paid my mortgage payment on XX/XX/XXXX for the XXXX payment. 
I tried to dispute this with XXXX, but they keep denying my request even with a copy of my payment history that clearly shows that I am not 30 days and did in fact pay my XX/XX/XXXX2019 payment, and my XXXX and XXXX 2019 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received e copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I have contacted the FTC and my police. There are still items on my credit that are not mine. 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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 XXXX 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 2018-03-02
Company: Specialized Loan Servicing Holdings LLC
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:
I HAVE TRIED SEVERAL TIMES AND SENT IN COMPLAINTS AND FAX IN REGARDS TO ID THEFT THAT OCCURED ON MY ACCOUNT. I LOST MY PURSE. IT WAS REPORTED TO XXXX COUNTY SHERIFF AND XXXX XXXX POLICE DEPT. THEY BASICALLY TOLD ME THERE WAS NOTHING THEY COULD DO. I WENT IN TO GET CAR FINANCING TO FIND MANY ERRENOUS ACCOUNTS ON MY CREDIT REPORT DUE TO IDENTITY THEFT THAT I HAD NO IDEA EVEN EXISTED. PLEASE CONTACT THE 3 BUREAUS ABOUT THIS MATTER SO I CAN RESOLVE OUTSIDE OF CIVIL COURT. I HAVE ASKED FOR MY REPORT TO BE CLEARED OF THESE COLLECTIONS AND FOR THESE ACCOUNTS TO BE UPDATED MY IDENTITY WAS STOLEN BACK INXX/XX/2005AND I'VE BEEN BATTLING THIS FOR YEARS. WHY AM I BATTLING WITH THE CREDIT BUREAUS WHEN THEY ARE HERE TO PROTECT THE CONSUMER. I ASKED FOR A FRAUD ALERT TO BE PLACED ON MY ACCOUNT. AND THE FOLLOWING ACCOUNTS REMOVED. 

THESE FORMS HAVE BEEN SENT VIA FAX AND THEY SAY WE NEVER RECEIVED THEM. HOPEFULL THEY'RE RECEIVED FINALLY!! 

XXXX XXXX BANK XXXX XXXX XXXX  ACC NUMBER XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX AT THIS TIME I HAD INSURANCE THIS WASNT ME AND IT NEVER WENT THROUGH MY INSURANCE XXXX XXXX/ XXXX XXXX Account Number : XXXX CREDIT INQUIRIES COMPLETE DEPARTMENT STORES, XXXX  XXXX BANK XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XX/XX/XXXX XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX  XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX  XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

I didn't authorize the following companies to pull my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   FOR XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2020-06-05
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is a health savings account with XXXX Account Services - PNC Bank as Custodian. I have money in the account and wanted to withdraw it, but the card was expired and they never sent me an updated card. I called several times asking for a card and was advised one would be sent. I never received a new card. I received a statement showing that this company has been charging me {$4.00} a month for no reason. The statement describes the fee as " Benefit Admin Fee ''. This started in XXXX of XXXX. I called on XX/XX/XXXX ( spoke to XXXX ) and asked why I was being charged the fee and she would not tell me, she referred me to my current health savings account bank ( XXXX Bank ) and said they were charging the mysterious fee. I demanded my money back and had XXXX open a ticket ( Confirmation number XXXX ). I also demanded they transfer my money to my current XXXX account and close this account. She advised this must be completed by form. As of today ( XX/XX/XXXX ) I have not receive the form, and they CONTINUE to charge me the fee. 

I contacted XXXX Bank right after that call and was advised by a representative named XXXX that this fee was not theirs, she suggested it may be from my health insurance company. I then called XXXX XXXX XXXX XXXX and spoke to XXXX who said they don't charge a fee and it sounds like it was the bank ( XXXX Account Services - PNC Bank as XXXX ). 

This is CLEAR violation of XXXX. They will not allow me to access my funds, they are refusing to send me the documentation needed to close my account, and they are continuing to charge me a monthly fee that I can not avoid, nor was advised of. 

Side note : My company switched XXXX services at the beginning of last year. The entire time I used them, I was not charged a fee. This fee came without advance notice and without explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
AMERICAN HONDA FINANCE XXXX  This account is current however my credit reporting is inaccurate as the account is being reported as delinquent and charged off. This is preventing me from getting the credit I deserve and needs to be updated right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For years I tried to get a modification but Ocwen denied me because I had got hurt at work and was workers compensation. After making me jump through hoops they told me that workers compensation is not a job and isnt considered a job. So I was forced to file bankruptcy. So over the years I have tried to make an agreement to keep my house but every time I attempt to the amount owed is a lot higher than it should be and there is a huge balloon payment involved. This year I was contacted by Ocwen again. I had a very high payment to make for three months again. This is to prove Im serious I guess. But every month I kept getting notices of default and to sell my house in the mail. It seems like theyre doing this to bully me into signing an offer from them that not fair and too high. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
Because as you know I submitted a dispute against Equifax .... NOW they wont even allow me to see my credit score from them. Everytime, ( all 48 ) of them I try to log onto that account there pops up a sign saying OOPS unable to connect at this time .... don't you think its a little funny that I cant see my score because I submitted a dispute against them? Well, I'm not done yet, Im doing to submit a complaint about the whole XXXX  system and possibly make sure this XXXX  stops .... you are the one supposed to regulate this XXXX  and all you do is submit the complaint to the company, you don't make them do the right thing, you don't even follow up on the complaints ... YOU DO NOTHING .... if I can not receive MY credit score, NOT THEIRS, they have no business with my personal information and this company needs to be taken out of business ... if this is the way you think people and their personal information are supposed to be treated, well you're very very wrong .... playing with peoples lives is not legal and I for one will not just sit and let this happen ... XXXX  is another one you cant get in touch with so WHY ARE THESE COMPANIES ALLOWED TO HAVE PEOPLES PERSONAL INFORMATION WHEN THE PEOPLE WHOS INFORMATION THEY HAVE CANT EVEN GET TO IT? YOU MAY THINK THIS IS OKAY, BUT I HAVE NEWS FOR ALL OF YOU ... IM NOT STOPPING HERE AND IF YOU THINK THIS IS JUST ANOTHER DISGRUNTLED PERSON WHO WILL NOT PROCEED WITH THIS, YOU ARE VERY WRONG ... .. IF I CAN NOT GET ONTO EQUIFAX AND XXXX  TO RETREIVE " MY '' CREDIT SCORE, NOT THEIRS, THEN WE HAVE A PROBLEM AND I WILL FIND THE SOLUTION BECAUSE YOU DO NOTHING AND I CANT FIGURE OUT WHAT YOU'RE FOR? USELESS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: JPMORGAN CHASE & CO.
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:
I have been a JP Morgan Chase Bank Customer for the past 6 years with an outstanding bank-customer relationship, holding two ( 2 ) credit cards, a saving and checking account. 
Inclusive My Husband has been a Business Customer of JP Morgan Chase Bank since XXXX. 
On Saturday XX/XX/XXXX, while watching TV with my husband, I received two ( 2 ) emails from Chase Bank Fraud Protection Services asking for my response in regards to a charge made on my credit card. 
I immediately did what WAS RIGHT TO DO and called the number on the back of my credit card, to let them know and report : I DID NOT AUTHORIZED THE CHARGES, THAT I DID NOT MADE THAT PURCHASE The next day XXXX received another Email from Chase Fraud Protection Services stating : Dear Customer '' : We closed your Chase Freedom credit card account ending in XXXX to prevent unauthorized transactions, as we recently discussed. 
The Letter also had more information on what to expect from the Fraud Investigation. 
On XX/XX/XXXX I received a letter in the Mail From Chase Bank Stating they were working on my case and they had closed my account etc. 
To my surprise on XX/XX/XXXX, I received another letter in the mail from Chase Bank Card Services which said that the charges were back on my credit card because I have received benefit from it so I was liable for the charges. 
I immediately called again and spoke to XXXX at the Fraud Department who said that my Husband XXXX XXXX made the Purchase, when in first place HE IS NOT AN AUTHORIZED USER on my credit card and was sitting right next to me the moment when the alleged purchase was made in another US State. 
From That date, XX/XX/XXXX I have been trying to resolve this issue going back and forth with Chase and opening the case, almost every month with the same outcome. 
In one of the many conversations the Chase Fraud Representative made a three way phone call with the XXXX XXXX Representative, my husband and I and nothing was resolved. 
I didnt even received an Email or purchase order form XXXX XXXX XXXX when the alleged purchase was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2019-05-16
Company: Experian Information Solutions 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:
My identity was compromised while serving XXXX. During this time a fraudulent account was opened in my name by XXXX XXXX XXXX. I demand that this item be removed immediately from 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 non-monetary relief
Consumer complaint received 2019-05-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For the past week, I have been trying to talk with someone at 5/3 to assist me in logging into their system to access my MB Financial account, which was closed a week prior to the merger, to obtain pdf copies of my checking account statements as well as my savings accounts. 

I have been on hold for over 80 mins between the 5 calls just to speak with someone ; plus an additional 15+ minutes while one clerk had to keep talking with a supervisor to figure out how their system worked. Every conversation, I go through verification and provide them with my phone number in case we get disconnected and without cause, I have been discounted 4 of 5 times ; the one time I was not I requested that the manager call me back instead of me wasting my time on hold while the clerk learned about their system. 

With all of my other closed accounts at numerous financial institutions from local banks to national banks to large brokerage houses, I am still able to access statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THESE DATES ARE WHEN IVE SEEN THESE ACCOUNTS. THESE ACCOUNTS ARE FRAUDULENT

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 2019-05-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OK
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 filed a complaint with the CFPB, and it was closed as soon as the company responded to the complaint. The information provided by the company was incorrect, and I was never given a chance to respond. OneMain ran a hard check of my credit on XX/XX/2019 that I did not authorize. They obtained my information from XXXX, and third party personal lending consolidator that does not authorize hard checks or pass on permission to authorize a hard check to the companies it works with. I spoke with XXXX about this and have a transcript of the conversation. However, OneMain received my information and proceeded to run a hard check of my credit report. Their executive office  provided desktop screenshots from their site, not that of XXXX, that they say show I authorized a hard check. I never visited their desktop site, and I submitted my information to XXXX through their mobile app only, not the desktop site. Upon examining the screenshots from OneMain, at least 30 % of the information that they say was supplied by me was incorrect, including key elements like salary, job position, etc. OneMain reported this hard check to XXXX, and it has damaged my credit score,  but moreover, they violated the FCRA in running a hard check without my authorization. I would like for the CFPB to contact OneMain about this issue. The hard credit authorization is fraudulent, proven by the inaccuracy of the information they claim I submitted on their desktop website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
In XXXX of this year I paid off my current balance with CAPITAL ONE plus {$10.00} additional for any interest rates that may apply in preparations for a New Purchase. My balance should have been negative. 

Instead Capital One has added on additional fees and Even Applied a missed payment report to the Credit Bureaus dropping my Credit Scores Tremendously at a crucial time for my New purchase. 

Can someone please inform me of my rights as a citizen with information on what I can do about this situation?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-21
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: Account information incorrect

Complaint:
Equifax you are reporting incorrect information on my credit report you are reporting that my high balance is XXXX $ For XXXX XXXX and XXXX is my high balance is XXXX $ it can only be one or another please delete all inaccurate information Immediately

Company response to consumer: Closed with explanation