BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of inquiries which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-04-23
Company: DIRECT LENDERS LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In mid XXXX I was told by my lender that I would have to get a 6 month lease with an apartment complex in the city that I wanted to get a home in in order to prove that I could live on my own and handle a mortgage. I live with my mother. I asked my lender why they did not mention this in the beginning of the application process, before I paid {$400.00} for a property inspection and wired my earnest money to the seller 's agent, the lender just laughed and said it was the underwriter that said I had to get a lease for 6 months. I believe the underwriter chose to put this erroneous requirement on my application because she had no other reason to deny me. My credit is above a 700, I have over {$10000.00} in cash for down payment, and I have been gainfully employed for the past 2 years. I believe I was told to get a 6 month lease in the city I want to live in because I am XXXX XXXX. I believe that if I was a XXXX applicant, the underwriter would have approved my mortgage because I asked my XXXX  friends if they ever heard of having to get a 6 month lease to get approved for a mortgage and they said no, they had never heard of that as a requirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is a checking account I've had for twenty years. I had an incident of the bank ( Chase Bank ) accepting debits on my account and not providing adequate security to prevent the debits from continuing even after my repeated requests for them to secure my account. 

Here are the debits : The debits are from XXXX XXXX XXXX XXXX for a XXXX LOAN Payment by XXXX XXXX. 
They are preceded by a test credit/debit to test the account for my checking account ending in XXXX. 
1. XX/XX/XXXX XXXX Loan Paymen Web XXXX ACH Debit {$2000.00} 2. XX/XX/XXXX XXXX Loan Paymen Web XXXX ACH Debit {$2000.00} 3. XX/XX/XXXX XXXX Loan Paymen Web XXXX ACH Debit {$2000.00} 4. XX/XX/XXXX XXXX Loan Payment Web XXXX ACH Debit {$2000.00} 5. XX/XX/XXXX XXXX Loan Payment Web XXXX ACH Debit {$2000.00} 6. XX/XX/XXXX XXXX Loan Payment Web XXXX ACH Debit {$2000.00} 7. XX/XX/XXXX XXXX Loan Payment Web XXXX WEB ID {$2000.00} 8. XX/XX/XXXX XXXX Loan Payment No Desc. {$2000.00} XXXX They sent a notice that # 8 wasn't charged to my account. Note that # 7 was charged to my 2nd account and # 8 was, apparently, set to charge for my 3rd account number - THIS HAD TO BE A COMPROMISE THROUGH THE BANK, because I did not use the 3rd bank account number they assigned - they obviously are getting my account changes through the bank. The bank is NOT protecting my account. Moreover, when returning funds for a claim ( temp. ) they deposited the fund in the closed accounts which is very strange to me - they would be compromised immediately. 

When I reported this 3rd bank account being insure, too, they immediately closed my account and closed my credit card accounts with Chase bank. I had incentives available that were taken away from me and this action may damage my credit rating as well. 

I did EVERYTHING the bank recommended to secure my information even having a computer systems professional go over my computer. There were no malware, virus or other materials to suspect any issues with the computer. Even though I changed passwords each time, I retrieved passwords from the bank on occasion and they were not careful in giving out that information - security is way too lax at Chase Bank and they didn't take seriously the need to monitor and identify security lapses from inside the bank. They wanted to blame the customer and were blind to lax security to protect their customers. THEY BLINDLY TOOK THE BANK 'S SECURITY FOR GRANTED AND PUNISHED THE CUSTOMER FOR BRINGING UP THEIR SECURITY ISSUES ; I AM VERY CONFIDENT THE BANK WAS GIVING UP MY NEW ACCOUNT INFORMATION AND WERE NOT PROTECTING MY FUNDS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27
Company: PNC Bank N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello. So im having a big issue with my bank PNC Bank. Back in XXXX someone stole my online banking info in result of me losing my phone. They were abled to put fake checks in my account of {$3000.00} and another 2 checks of {$1500.00}. They forged my signature and they were using my XXXX XXXX, XXXX XXXX and XXXX to send the money to different accounts! They also stole all my money that I already had in my account. I ended up opening a police report on XX/XX/2021 when I realized that all of my money was gone. When I told the bank about it they opened a case. But the person that had my case did not call or communicate with me for 3 months! And when they finally did call me on XX/XX/XXXX, I was told that the bank is denying on giving me back the money I lost and also put me in debt for {$2200.00}! And it got even worst when I reopened the case, they did nothing and raised the debt to {$3400.00}! When I asked the bank the reason why they refuse to give me all the information needed and all they said was that the transactions were approved because it looks like I did it, when clearly someone stole my phone and used all my information! Please I need someone to help me remove the bank debt. I come from a low income home and obviously is not fair for the victim to do pay off debt caused by a scammer. I tried reopening the case but they keep telling me the same results. This has been going on for almost 5 months and im losing my mind and have been in terrible stress. I also filed a identity theft form on XX/XX/2021. Also the amount of money that im supposedly to be owned back is not correct on the police report. I only lost about {$1400.00} and the report says {$4000.00}, which could of been clear if I had gotten enough assistance from the bankers. I need possible solutions to this cause ASAP please. I don't even have this kind of money : ( The bank refuses to give more information and I know for a fact Theyre making a mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/2021 I purchased a airline ticket with points at Chase XXXX XXXX XXXX. I spent XXXX. As the flight date neared I realized I had not received any notice from XXXX Rewards or the airline ( XXXX XXXX ) about the trip. 
When I called XXXX they did not have tickets for me. I then called XXXX XXXX XXXX XXXX to find out what happened. I was passed among the departments for literally hours ( approximately eight to ten hours over two days ). They never helped me in any way to resolve the lack of a ticket. 
I ultimately made another reservation on XX/XX/2021 and took the flight. This time it cost me XXXX points. 
The reservations in both cases were for the exact same flight, at exactly the same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was economically impacted by public health measures taken in response to the Coronavirus Pandemic. In addition to losing income, I was delayed by about a year in my ability to get required approval from my COA to rent my condo. I took advantage of my mortgage servicer 's Covid forbearance program in XX/XX/XXXX. 

Since XX/XX/XXXX, I have been requesting a loan modification in the hopes that 1 ) the payment would be lowered and 2 ) the balance accrued during the forbearance would be added to the back of the loan. 

In response to my request for a loan modification, I was sent paper Mortgage Assistance Application which I completed and uploaded to the Loan Solution Center on XX/XX/XXXX along with required documentation. I called on XX/XX/XXXX to follow up and was told the review process would be about 45 days. I followed up in XXXX via phone only to be told that I hadn't applied for a loan mod but they would grant me a deferment. Since then, it has been an endless loop of me requesting a loan modification, Citizens Bank saying " ok '', me following up and Citizens pretending I had neve requested a loan mod but offering a deferment. I sent a loan mod request in writing on XX/XX/XXXX. Today, they told me they can't see it because the loansolutioncenter.com is " backed up. '' I am beyond frustrated and I want to preserve the recordings of phone calls I have made to them, if they are recorded. I also want to be reviewed for a loan mod. Today they told me it would take 8 months for them to get a decision on a loan mod. However, they still won't admit I had uploaded a request for a loan modification but did provide an email where I could send my materials. They continue to pressure me to accept the deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Lending Club Corp
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I apply for an on line loan with Lending Club and was approved for an unsecure loan for 35K at a fixed interest rate for 5 years with a payment of {$980.00} by the XX/XX/XXXXof each month. I have been paying on this account for 3 years with a balance owed 26K. Due to high medical cost for my wife and bank fraud on my checking account. I called Lending Club customer service on XXXX XX/XX/2019 after I paid {$980.00} for XX/XX/XXXXpayment. I spoke with customer care representative to explain my circumstances with medical bills and if they had a hardship payment plan they said yes and we agreed to defer XX/XX/XXXXand XX/XX/XXXXpayment and my XX/XX/XXXXand XX/XX/XXXXwould be {$470.00} until I was able to catch up after the medical expenses were paid. I was told I would receive a confirmation email. Never received a confirmation email so I made a follow-up call and was told they did not make such an arrangement. I requested for them to check and see what was documented on my account. She stated sorry there was no documentation so I requested to have a supervisor listen to the recorded conversation and please return my call. I have never received a call from any of Lending Club Managers so I called XX/XX/XXXX, XX/XX/XXXXstill no response on the payment agreement. Later I received a letter from XXXX XXXX XXXX XXXX XXXX to assist with my past due balances they stated I owe {$26.00}, XXXX. My concern is that Lending Club never mails or email out statements so you can track your actual balance so how would know what you actually owe? Now I have a third party involved but never was able to speak with a supervisor at Lending Club to discuss my payment plan and concerns over balance owed to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Ive been a victim of their inquiry issue. Ive tried to reach them out before in the past and they would not remove them for 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 2023-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 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 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 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 XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
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:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I recently tried to purchase a home on XX/XX/23. Before I had the agent run my credit report I noticed that I have a lot of unauthorized hard Inquiries on my report that are damaging my credit. According to 15 U.S.C 1681 law there should not be any damages on my credit. That is a defamation to my character.

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 2021-10-27
Company: ALLY FINANCIAL INC.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Ally Bank recently placed a restriction on my account stating that my account was overdrawn repeatedly. 

The most recent overdraft was caused by XXXX XXXX. I paid my credit card bill that was due on XX/XX/21 on XX/XX/21. XXXX XXXX went ahead and processed by auto pay scheduled for XX/XX/21. 

Ally Bank emailed to about this overdraft and stated that I need to bring my account current within 10 business days, else, they will place a restriction on the account I deposited a check into the account within the given time, however, a restriction has been placed on my account. 

We ( XXXX XXXX XXXX ) believe this is a mater of discrimination

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 2018-07-24
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:
Creditor received debt validation request in XX/XX/2018. Creditor responded with a statement and nothing else. Creditor requested additional information from me. It is the creditors responsibility to provide any and all information when a debt is being validated legitimately.

Company response to consumer: Closed with explanation