BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian, XXXX  and XXXX continues to report this unverified erroneous item on my credit report after multiple dispute attempts. The latest dispute attempt was initiated XX/XX/2019 with all three bureaus and was " verified '' to be correct. Not only is this charged off account reporting a past due balance for all the bureaus but the last active dates are different between the three bureaus. The payment history is also incorrectly reported with all three bureaus. If the information is correct it should not be so reported so inconsistently between the three bureaus.

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 2020-05-17
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-17
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I paid a fake company money without knowing I canceled immediately cash app told me they refunded me I dont have the money that was debited from my debit card {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Franklin Collection Service, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report 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 2019-08-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have faced an issue with Experian Report got fraud and hacked, there is Unautorized HArd inquiry has left on, and i trying to reach Experian to dispute these activities on my credit all this activity i didn't apply for any related with this below XXXX XXXX XXXX. XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 - XXXX XX/XX/2019 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 2019-10-23
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:
Multiple accounts that are incorrect are reporting on my credit reports US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX US DEPT ED XXXX XXXX DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/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 2020-05-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed a public record item showing on my credit report several times I have notified Experian that the item they are reporting as a bankruptcy was a result of Id theft and is not mine however they refuse to remove the item first they stated they received the information from XXXX out you courts do I went to the courts who stated they didnt provide anything to Experian then e XXXX says they hit information from XXXX XXXX however I have provided proof from XXXX XXXX that the public record item Experian reports was in fact not verified from them as my files were suppressed due to the court order showing the courts allowed a legal name change due to fraud of previous name Experian failed to do a proper disputation investigation and simply just deregarded my rights

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 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
transunion is not updating there credit reports in the established manner

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 2022-03-07
Company: Social Finance, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been attempting to close my SoFi invest account and SoFi cXXXX XXXX account, and terminate my banking relationship with SoFi entirely. I have already withdrawn all my money from the account. On or about XX/XX/XXXX, I first requested to close my account, at which point SoFi said my account is " under investigation '' and " may be closed after the investigation completes ''. 

Due to implementation issues in SoFi 's system, the account has approximately {$0.00} balance, which might be a reason why it can not be closed in a normal way. 

After dragging on for a year, on XX/XX/XXXX, I once again reach out to SoFi and requested to close my account, and expressed my consent for giving up the balance, in exchange for terminating my banking relationship with them entirely ( I do not want any relationship with this company ). The agent still refer to " the investigation '' and refuse to close my account, and does not provide me with any timeline regarding when the account can be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I do not understand why it is taking so long to get an answer from the credit bureaus about a letter I sent them on XXXX. I have been patient, but I thought it was supposed to only take 30 days. At this point, I would like for them to delete all of the accounts that I have disputed on 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 2017-12-21
Company: MedRecovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went in for consultation before you can even go in side to see the DR you must pay ya co payment and the insurance pay the rest XXXX ... I have excellent credit they sent {$40.00} to collection that I do not owe at all. Collection agency _ C/O MEDRECOVERY SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX TX XXXX Provider XXXX XXXX Patient # XXXX TICKET # XXXX DATE OF SERVICE on statement XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
According to XXXX, PNC has made a change that doesn't permit them to connect with my bank. This is an extremely inconvenient issue, as I use XXXX to pay my rent, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a Capital One Quicksilver account on XX/XX/XXXX ; Capital One 's website stated that the card has no fees, 1.5 % cash back, and clients receive a {$150.00} cash back bonus if they spend {$500.00} within the first 3 months. I met the minimum spend criteria within the first months, then waited for two additional quarters to see if the bonus would be credited to my account, which it was not. I called today to inquire about this and spoke to a supervisor named XXXX, who told me that the bonus did not apply to me because I already had an account with them and was an existing Capital One customer, and directed me to the portion of the website that says " offer MAY not be available for existing or previous accountholders ''. This language is important because it does not say " offer does not apply to existing customers '' and implies that there are other criteria. If Capital one is advertising this bonus for some account holders but not others, but in action denying the bonus to all existing account holders then this is false advertising. Furthermore, this has bearing on whether clients sign up for this card because it is purposefully misleading in its language.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Credit Karma, LLC
State: CA
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:
Today I attempted to get a credit score And open an account on credit karma and XXXX so that I can start building credit and both companies would not allow me. It said that something was possibly opened using my ssn or my information was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/20 : CITIFINANCIAL BANK IS REPORTING EXTREMELY OUTDATED CREDIT & PAYMENT STATUS ( AS OF XX/XX/20 ) IN XXXX 'S SITE. WHY??? 

CITIFINANCIAL IS THE ONLY CREDIT CARD ACCOUNT THAT IS GROSSLY REPORTING INACCURATE & OUTDATED DATA.. WHY???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
in XX/XX/XXXX we signed for our son to mortgage property thru XXXX XXXX XXXX XXXX XXXX XXXX Mortgage apparently changed companies several times over the years. Son allowed mortgage to go into foreclosure. in XX/XX/XXXX it was scheduled for sheriff sale. We signed for Bankruptcy to stop the sale. We tried to speak with mortgage company about the account, payoff, selling property, etc. They would not speak with us. We were told, we are not on the mortgage, therefore they could not speak with us. Now if their mortgage does not have our name on it, and our name is on deed as owner, there seems to be a problem. Mortgage company kept maintaining we were not on mortgage. Now since we have filed bankruptcy we have to file a payment plan. We use the figure of {$110000.00}. since it was named on Sheriff sale papers. Now XXXX XXXX has filed motion to release them from Bankruptcy due to insufficient monies, and none payment to them. they are claiming {$130000.00}. due them. They have not supplied us with an actual account number, or an amount of monthly payments. If our names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are not on this account, then the account is in question of being fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: CT
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:
My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4.XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.

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 2020-09-02
Company: Merchants and Professional Bureau, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX and Merchant and Professionals collection agency are in violation of HIPPA violations. XXXX has shared details about my procedure and history with Merchant and professionals. Not just the Cost of services or date of procedure, but an in detail of procedure and why i had a procedure done. This is a blatant disregard of the HIPPA laws protecting me from this. In addition to this Merchant and Professionals has continued to harass me over this debt  with threaten phone calls and pretending to be attorneys to sue me. That is false representation. I demand that Merchant and professionals delete their information from my credit report ASAP due to HIPPA violation laws, if this is not done within 30 days from this complaint i will be forced to take further action which XXXXay cause monetary damages to XXXX XXXX and Merchant and professionals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hi, My original Chase XXXX credit card has been automatically migrated to XXXX XXXX  XXXX XXXX on XX/XX/XXXX. 

The new XXXXXXXX XXXX XXXXXXXX XXXX has a benefit of spending XXXX to get a XXXX free night certificate within anniversary year. I have already spent {$14000.00} on XX/XX/XXXX and {$220.00} on XX/XX/XXXX which exceeds XXXX spending requirement. 

I thought the anniversary year for the XXXX XXXX XXXXXXXX credit card should be on XX/XX/XXXX because I am having this new card on XX/XX/XXXX. As my understanding, I should be able to get a free night certificate if I spend XXXX from XX/XX/XXXX to XX/XX/XXXX. 

However, Chase says that my anniversary year is XX/XX/XXXX and I need to spend XXXX from XX/XX/XXXX to XX/XX/XXXX to get a free night certificate and I can get another free night certificate from XX/XX/XXXX to XX/XX/XXXX if I met the spending requirement. 

The wording is so confusing to me and Chase induces me to spend XXXX and not issue the certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage transferred from XXXX XXXX ( Loan # XXXX ) to PennyMac ( Loan # XXXX ) on XXXX. The total principle transfer was {$200000.00} from XXXX, confirmed on XXXX. The total principle received by PennyMac was {$210000.00}. Three payments were made prior to transfer, reducing the principal. 

XX/XX/2020 Principal curtailment {$1200.00} XX/XX/2020 Principal curtailment {$1200.00} XX/XX/2020 Principal curtailment {$210.00} There is currently an interest build on the incorrect balance of {$210000.00} on PennyMac 's side. Confirmed with XXXX XXXX that the principle payments were transferred along with the loan. PennyMac indicated they did not received any of the payments on XXXX. There is a total of {$2700.00} in principal missing, and interest is compounding on an incorrect balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My complaint is about XXXX, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiries on my Transunion Credit File on XX/XX/2019 and XX/XX/2019. 
Please remove both inquires immediately. XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2021-06-22
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
XXXX Care credit  is reporting I applied for credit 3 times in one day and I did apply one time with care credit that has been verified by care credit in their database, but XXXX shows an inquiry three times with the same code and will not remove it after 9 attempts through calls and letters. 

Two weeks ago I get contacted by XXXX XXXX telling me someone had open a fraudulent bank account under my maiden name using the address where I grew up, not realizing I have been married for many years and have not lived at my parent 's address for over 30 years. XXXX XXXXXXXX thought I may be on the dark web since they did not have any of my current info. 

Also XXXX XXXX closed the accounts I had with them because of this situation, which was unfair to me and that affects my credit. 

A charge off for an account I never had by a company called XXXX has never been removed from my file. 

Recently I see an inquiry from the XXXX XXXX in XXXX XXXX on XX/XX/2021, that I have no idea where it came from because I have not applied for or been in 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 2017-12-21
Company: Ray Klein, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an emergency situation and incurred a medical debt to a hospital in Oregon. I made payements directly to them for months and paid the debt off XXXX/XXXX/XXXX. At some point a debt collection company came into the picture months after my agreement with the hospital. Now that everything is paid off The debt collectors are holding my credit report hostage for {$35.00} of interest they say I owe them, not the hospital.

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 2020-05-17
Company: United Shore Financial Services, LLC
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: Account information incorrect

Complaint:
I had a mortgage with United Wholesale Mortgage and they granted a 3-month forbearance due to the coronavirus. I received notification that the forbearance was granted, yet I got a message that they sent a bill ( during the forebearance ). Then they sold the mortgage to XXXX XXXX XXXX. I called United Wholesale Mortgage to ask them to send accurate information and they did not, instead they reported me to XXXX. Then I received notification that XXXX XXXX XXXX  had transferred the forbearance, today, I received a letter from XXXX XXXX XXXX saying that I'm two months behind.

Company response to consumer: Closed with explanation