BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: MD
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 have credit inquiries on my credit report from XXXX XXXX XXXX  dated XX/XX/XXXX and XX/XX/XXXX that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Company froze over {$5800.00} in my account based on a {$43.00} chargeback, paid to me for a digitally downloaded product. 60 days later, without explanation or any evidence, they unfroze the account, with a NEW balance of {$1300.00}. After DAILY messages with both the institution and the contact I was given, I have STILL not received an explanation or any paperwork, or any other service. Additionally, as a result of the 60 day unexplained freeze, I was unable to pay rent, credit card bills, utilities, and other essential payments needed to maintain my survival. As a consequence, my credit score went from 700+ to XXXX ( checked YESTERDAY @ XXXX ). Bank of America destroyed my credit, prevented me from paying bills, and nearly got me evicted and sued by my Condo Association. Then, refused to explain WHY they froze my account, then robbed me of XXXXUSD - WITHOUT EXPLANATION. 

I have preserved the account in state as evidence, and haven't accessed it since the event.

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 2018-02-07
Company: CORELOGIC INC
State: MD
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 have an unauthorized credit inquiry dated XX/XX/2018 from CREDCO.

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 2021-01-28
Company: Experian Information Solutions Inc.
State: OH
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:
On Monday, XXXX XXXX, 2021, I filled out on-line information with Experian to have my credit information unlocked permanently. I received an email later from Experian stating that my information was unlocked and information on how to lock it again in the future. I am trying to obtain a mortgage loan and they have been unable to obtain my credit information from Experian. They have obtained this information easily from XXXX and the other one. I have tried redoing the online form, contacting Experian by email and so many phone calls that only refer me back to the internet. Tomorrow I am going into the mortgage office with my laptop to see if they can help since obtaining any help from Experian is a waste of time.

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 2018-02-07
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This dept is not mines. I have disputed over 5x but it is still on all 3 of my credit reports. I also have reported this collection acct to the FTC. The address listed for the collection acct is not my address nor has it ever been.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed out an application for an balance transfer through Chase Slate credit card to assist with debt with XXXX XXXX. The card came and was approved for {$1800.00}, after doing some more research and speaking with another debt assistant programs I determined the balance transfer would no longer be a fit. I called Chase Slate XX/XX/18, and they refused to cancel. Chase Slate claim the electronic transfer was in " process '' and it was no way to cancel and they blamed XXXX XXXX stating once the transfer goes through it would be XXXX XXXX responsibility to cancel. I then contacted XXXX  XXXX who of course were adamant that Chase Slate is responsibility, I called back Chase Slate with XXXX XXXX on the phone who argued against Chase Slate claims and ask to speak with an supervisor they stated all the could do is put on record I want to cancel but they could not do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX  agreed to delete an erroneous medical bill collection, as I disputed and it never should have been passed to collections. I have disputed with Experian and they refuse to remove from my report despite having the letter from XXXX XXXX stating it should be deleted

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 2021-01-28
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For months, Comenity Bank has non stopped calling me. Comenity Bank has called 5 times on XXXX XXXX, 2021. I have told them by email I'm aware of my debt, and to not put me on the do not call list. Today, the XXXX of XXXX, Comenity Bank has called again despite me stating I dl not want to be called anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
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: Personal information incorrect

Complaint:
Experian is reporting inaccurate addresses, names, and SSN variation for my account. 

Between XX/XX/XXXX and XX/XX/XXXX. I have called Experian several times. 

1. On XX/XX/XXXX, I sent a handwritten letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

2. On XX/XX/XXXX, I sent another handwritten letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

3. On XX/XX/XXXX, I sent a third handwritten letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

4. On XX/XX/XXXX, I sent a typed letter to Experian ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

I have sent 3 handwritten letters and one type notarized letter ( all certified mail ) disputing incorrect addresses on my credit report and Experian has failed to delete the addresses.

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 2018-02-07
Company: PHH Mortgage Services Corporation
State: AK
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have called to get help with getting my payment cought up i do not want to lose my home an all i keep getting is that thay can not see my email or the documents i send an i keep getting farther behind an its almost to the point where i thank thay are not going to help. I want to keep my home and get everything cought up i was haven hard time makein the payments when i got behind. Thay are sayin that all the papers i sent thay only keep for 30 days. At one point thay said i had everything thay needed an now thay dont have anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Bridgecrest Acceptance Corporation
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
i paid this vehicle off and I've called and left message messages for XXXX and we paid this vehicle off in XXXX 2020 and it was a big issue prior to this and I just want my title please. 

on XX/XX/XXXX they signed for the title to have it signed because dmv stated they didn't sign it. They received it on XX/XX/XXXX and it just needed to get signed. I've called several times asking for the title and I'm told it's being worked on. 
How long does it take to sign a title and send it back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: MD
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 have an unauthorized credit inquiry dated XX/XX/2018 from 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 2021-02-21
Company: MoneyLion Inc.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/21, I received an email notification saying You've successfully updated the phone number on your MoneyLion account to XXXX XXXX XXXX XXXX. Thanks for keeping your info up to date. 

If you did not recently update your phone number, please log into the app to change your number or contact us if you need help. 

While youre here, check out MoneyLion perks, like deals in the Rewards tab or 0 % APR XXXX advances in the Finances tab! Open your MoneyLion app. 

I did not setup any such account and the number listed is not my phone number. I then received multiple other emails that said, We received a request to reset your MoneyLion password for the account associated with XXXX. This link will be valid for 24 hours. If you do not want to change your password, you can simply ignore this message. 
If you did not request a password reset, please let us know. 

And another email - Your new MoneyLion Debit Mastercard is on its way. You can check in on the status here anytime. 
And while you wait for your card to arrive, you can start using your virtual card right away. 
Don't forget you've got access to ... 

Im concerned as it is a weekend. I tried to contact the company but due to it being a Sunday they are not available by phone. Money lion states telephone business hours are Monday through Friday XXXX to XXXX. I am extremely concerned that someone is using identity and personal information to start new banking accounts. At this point, I do not see any deductions from my legitimate bank account I use, but I would like to have this resolved prior to any fraudulent charges or funds occur. There are charges on the online card now posting- One for {$1.00} to XXXX and another for {$48.00} to XXXX payments from XXXX XXXX XXXX 
I will contact the company directly as well as soon as they open tomorrow. In the meantime, I would like to alert you of this fraudulent activity so notification occurs as early as possible. Thank You in advance for your help in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: TRANSWORLD SYSTEMS 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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX and current residing in XXXX, FL. Im currently fighting homelessness, and in dire need of some type of assistance with removing negative items from banking institutions from my credit report and civil cases of unknown and unauthorized reports on my National Civil Court public record. Im suffering and imposed with financial pressure, I have a blemish credit history 3 eviction reports due to XXXX  and was created by my XXXX  without my consent and knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On SeptemberXX/XX/2021 my checking account was overdrawn due to automatic withdrawals. I made a conscious effort to pick up two paychecks from one of my jobs- having to leave early from one of my other jobs to do so and deposit before midnight on PST. I opened my account on SeptemberXX/XX/2021 to notice that I had only {$7.00} available for use which was much less than I was expecting. This was due to 3 overdraft fees of {$34.00} charged to me even though I had put money in to cover the overdraft amount. I called in on Sept. XXXX to Chase Bank using the customer service line provided on the back of my card and was told I was not approved to have the fees refunded. I asked to speak with a supervisor and was told I would get a call back. I received a call back from a manager or a supervisor today, XXXX XXXX at a Branch in Florida who would not even consider refunding the fees even though I told him the entire story. After a lengthy and heated phone call I have placed an email to the Co-head of the company and am awaiting a response. What has finally lead me to complain to the CFPB is not only these three fees, its the abusive fees I have been receiving every 2 weeks which is preventing me from ever maintaining a positive balance. I am an XXXX, I work in healthcare and have through this entire pandemic. I decided to go back to school and do not qualify for much government assistance so I am working 3 jobs to get me through school and attempt to pay my bills. I have been $ XXXX {$800.00} overdrawn due to overdraft fees specifically at any given time. I can not come out from under them, it is a vicious cycle. I went to count the fees I have spent to provide them with an actual number but stopped at 100 fees that were all charged within a 12 month period. That is almost {$4000.00}. That could have been 3 months of rent for me. That is 2 months of my tuition. That could have covered groceries, months of phone bills, credit card statements, etc. It is so painful to think what that could have been applied to. Instead, it went toward absolutely nothing. To pay the institution that is supposedly keeping my money safe. I am exhausted, I am overwhelmed and looking for help out of desperation. I am not asking for {$4000.00} to be refunded for the year of overdraft fees. I am certain if that is what I paid just for one year, then Chase Bank has made at minimum {$10000.00} off of me alone in the years that I have been a Chase customer. I am mostly looking for Chase to have a little bit more mercy when it comes to these fees and have them consider refunding SOME of the fees to get me through until my next payday with a positive balance. I work hard for my money, it belongs to me and I feel like Chase is stealing from me every time I have a direct deposit hit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: PA
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:
Hello, XXXX XXXX XXXX has recently been involved in a $ XXXX Car loan settlement. I know that I am a part of this settlement and would like to move forward with receiving my title for my XXXX XXXX XXXX XXXX. I got this car back in XXXX when I was making {$12.00} an hour. My original loan amount was {$13000.00} at the time. Currently I have monthly payments of {$300.00}. Looking back I definitely was taking advantage of because I could not afford that loan at that moment. At that time I was making my payments on time and XXXX was reporting my loan as late and delinquent when I was not. I have a lot of late payment on my account that are not accurate and is causing my credit score to drop. I am not able to get approved for anything like a home loan because of these delinquent late payments that are on my account. To resolve this issue I would like XXXX to hand over my title and pay out my auto loan in full. Also delete completely of my credit report. I have had numerous issues with this company not reporting on time with my credit report. Also XXXX has deleted good on time payments dated back to XXXX and XXXX for no reason. I have called XXXX numerous of times and they have not done anything to resolve this issue. I have also sent out dispute letters to them and they always come back with telling me that everything is accurate when I know its not. I would really like this issue resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: I.C. System, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.

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 2019-11-05
Company: Experian Information Solutions 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2018-02-07
Company: Experian Information Solutions Inc.
State: MD
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 have an unauthorized credit inquiry from XXXX XXXX XXXX dated XX/XX/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: MD
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 have an unauthorized credit inquiry from XXXX XXXX XXXX dated XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received PayPal message on XX/XX/XXXXthat I can no longer use PayPal again when I try to withdraw my fund and it doesnt work out. I was not even ask to tender any document my account was just limit and I cant have access to my money I worked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
With my MasterCard Gold Card under Barclays Bank, I am having issue with them not giving me my SCRA benefits under PA State law Title 51. Under Federal Law I do not qualify since my active duty start date is before I open the account. But under Title 51 of PA state Law, It requires that all banks who do operate in PA follow not only federal law but state as well. I know I have these benefits  because XXXX XXXX gives me these benefits because of my residence to PA and not my XXXX XXXX start date. I opened the account in XX/XX/XXXX time frame and sent the Law to Barclays where the continued to deny my benefits back in 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 2020-05-13
Company: Experian Information Solutions 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:
THE INFORMATION I HAVE LISTED BELOW ARE INACCURATE AND UNKNOWN/ IDENTITY THEFT..I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES OR LIVED AT THOSE ADRESS EVEN MY NAME WAS LISTED 3 DIFFERENT WAYS ON THE REPORT THATS LINKED TO UNKNOWN/FRAUD ACCOUNTS XXXX  and XXXX XXXXTHESE ARE INACCURATE SPELLING OF MY NAME THESE ADDRESSES ARE EVEN INACCURATE OR UNKNOWN I HAVE LISTED THEM I NEED THESE REMOVED BECAUXE THEY ARE LINKED TO UNKNOWN ACCOUNTS XXXX, XXXX, TXXXXX   XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX   XXXX XXXX XXXX, TXXXXX HARD INQUIRIES -NEVER DID BUSINESS NOR RAN CREDIT WITH THESE COMPAINES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RETURNED THE VECHILE AND THEY SOLD THE VECHILE NEVER SENT THE UPDATED PAYMENT AFTER THE VECHILE WAS SOLD THEY NEVER SENT ME THE REMAINING BALANCE AMOUNT AND NOW THEY ARE REPORTING INACCURATE INFORMATION ON MY REPORT FOR YEARS AFTER THE CAR IS SOLD AND THEY WANT ME TOMSTILL PAY THE FULL AMOUNT WHICH IS FRAUD XXXX XXXX XXXX # XXXX-NEVER DID BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX XXXX XXXX # XXXX- NEVER DONE BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION EXPERIAN AND XXXX WITHHELD MY CREDIT REPORT YET ARE REPORTING TO 3rd PARTY XXXX XXXX  AND OTHER COMPAINES INACCURATE INFORMATION.

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