BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: CITIBANK, N.A.
State: WA
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:
Good evening, Since Citi arbitrarily closed my accounts while acknowledging I'd done nothing to violate the terms of service, I've been subjected to a number of fees I should not have been assessed. Attempts to address this over the phone have been met with refractory and snide customer-service representatives telling me they can not reverse the fees, which is an outright lie. I would like the following reversed : -Citi Premier late fee XXXX {$25.00} -Citi Premier Interest on the same XXXX {$2.00} -AA membership fee XX/XX/13 {$99.00} ( why am I being assessed a fee when my account is closed? ) -AA {$15.00} late fee XX/XX/13 -AA {$1.00} interest on the same XX/XX/13 I'd also like to be paid out the {$19.00} negative balance on my DoubleCash card Total = {$160.00} Thank you, 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 2021-06-11
Company: Experian Information Solutions Inc.
State: MA
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:
My account at Experian was hacked. The person altered at least my phone number, security questions, and either my user name or password. I received an email alert about the problem and have called Experian every day for several days. They keep telling me that my account has not been refreshed so they can't offer me another means of accessing and correcting my account. In the meantime, someone has access to all of my credit information ( which is already on an extended fraud alert ) which would be invaluable in perpetrating future fraud. Experian is offering me no access to my own information and no recourse to correct the situation.

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 2017-10-02
Company: JPMORGAN CHASE & CO.
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:
XXXX XXXX XXXX XXXX is freely allowing fraudulent credit card applications to be opened under my name ( happened 10 times ) and making hard inquiries to my credit report each time. Reference : XXXX XXXX XXXX credit card as the exact card attempting to be opened. Most recent incident XXXX XXXX, 2017. 

This has created a significant hardship to me personally, as each hard inquiry amounts to a reduction of my total credit score. 

I have taken every available step to protect my identity to avoid this from happening ( frozen credit, fraud protection, pass phrase and PIN protection ), however, XXXX XXXX XXXX XXXX continues to allow the fraudulent credit card applications to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : 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 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 got notice from XXXX XXXX I was delinquent on my loan with them for a truck in account ending XXXX. I dont and I never had a vehicle through XXXX XXXX. I did not buy any truck. Eventually I saw the account online, it appears XXXX was paid and XXXX is remaining and they want it from me.I am not paying for what is not mine. I have repeatedy asked for a copy of what I signed or what causes them to say this is my account and they will not, I told them this, that XXXX bought no truck through them ever in my life. Instead of providing me anything showing I did anything wrong they sent me a pre-written statement to sign saying that they believe I have committed loan fraud. I refuse to sign that and told them to put me in jail for fraud. I have been a XXXX XXXX 51 years. My position XXXX XXXX XXXX, I kept that position over 20 years and I have no bad conduct of any type in any internal affairs file anywhere..I certainly have no arrests. My credit report shows a 200 point drop ... this should be dropped as they refuse to show me what I did and when. It has been close to a year and the only action is to accuse me... They need to drop it or put me in jail. My credit MUST be restored ... Hard to imagination someone buying in my name but I know its done, harder to believe they accuse without saying why.or showing me just what I am supposed to have signed.I have talked to them more than several times about this and each time I am told they will look into it and here comes another " you owe '' .Many times I have requested the documents I have signed and they agree to send and they never come... If I did this I sure wouldnt challenge to put me in jail but I do... I owe them noththing and have two other accounts that are good in fact one is overpaid however they have done something and when I try to use my cards they are rejected ... accused without cause, denied what I have congracted with them to do.It should be noted I have -0- information from them on this matter but for the statement to sign where they accuse me. OPEN MY REAL EXISTIN ACCOUNTS, FIX MY CREDIT REPORT, OR PUT ME IN JAIL< GO FOR IT

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 2021-09-22
Company: National Credit Adjusters, LLC
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:
I had an account with XXXX XXXX XXXX XXXX in which there were several reasons as to why the debt was not valid and should not be appearing on my credit report. I submitted the complaint to XXXX and successfully had the account removed. 
However, In XXXX of this a collection agent, National Credit Adjuster, who had apparently purchased this account posted an unpaid collection on my credit report with experian. I have made numerous attempts with XXXX to dispute this item on my credit report and have had no success. 
If the original underlying account was found not to be reportable then the subsequent collection of that same account should not be reportable as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I did not request any kind of fraud alerts on either of the credit reporting agencies and I'm demanding that any and all fraud alerts be removed immediately from my credit data, name, and report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a {$3500.00} check from my client via my mobile on XX/XX/19, which was returned for some reason. I contacted my client and he asked me to deposit it again. I called Chase and they told me to re-deposit the check. I tried to do it via mobile again, but the application instructed me to do it through ATM or Chase bank. I followed the instruction and re-deposited the check at ATM on XX/XX/19. Soon after I noticed that the deposit was put on hold. I called Chase and their rep told me that the bank was verifying availability of funds, and the amount would be available in a few days. I left for vacation and did not have any further communication with Chase regarding this matter. On XX/XX/XXXX I opened my mail ; there was a letter from Chase stating that they removed {$3500.00} deposit as a duplicate. I immediately called the bank and tried to get an explanation. I emailed a complaint, after which on XX/XX/XXXX I received a call from representative XXXX. According to him I 'was not supposed to re-deposit the original check '. I was supposed to wait for an 'official check ' from Chase. I asked why nobody had mentioned that before, as I've spoken with several reps regarding this matter, he could only apologize. To my question 'where was the official check ', he could not find any explanation other than it was probably lost in the mail. He could 'reissue ' the check but it would take 5-7 business days as there was no way to expedite it. I have decided to file this complaint as the information provided by Chase representatives is inconsistent and lacking clear communication. I have attached the most recent letter from Chase which does not mention any 'official check ' that was mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen/PHH have engaged in what I feel is predatory lending behaviors as well as harassment. 

I was XXXX XXXX XXXX for 8 months and I tried my best to pay and did pay in full on time for 7 months. My savings ran out, had to begin begging and borrowing to survive, then decided to request relief with my mortgage. 

I applied for a loan modification, was denied and offered a forbearance. The agreement stated that if I did not agree to this contract I would not be considered for a loan modification or any other assistance. 

The statements were very misleading because they stated " Trial Modification '' but was enacting as a forbearance. 

I complained to them and they put me on a trial modification. The last month of the modification i sent in the payment, on time, but they cancelled the modification.Please see the attached communications for details. 

These two companies have terrible customer service, such as lying on me ( see attachment # 3 ), each representative provides a different story ( see attachment # 3 ) and appears to be trying to ensure I lose my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Today, XX/XX/2021, my Bluebird  application, website, and card ceased to function. Several transactions were declined at a car wash and at an ATM location. I reached out to their customer service number on my card at XXXX attempting to reach service but they turned their phone system off. I reached out via @ XXXX on XXXX and @ AmericanExpress on XXXX and received no information or help. This issue started around XXXX EST. It is XXXX EST. I can now access my online account via the website but my app and card still do not work. Funds were debited from my account for charges that were declined and I still can not reach customer service to resolve. This is not the first time an outage like this has happened to this institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06
Company: Client Services, 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:
XXXX, XXXX, XXXX, XXXX Bank, and Client Services has been reporting fraudulent activities on my credit report. I reached out to each XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I also reached out to each bureau those months as well. 
XXXX, XXXX XXXX XXXX XXXX XXXX have been reporting debt on my credit report thats isnt mines. I have sent the collections agencies letters and the bureaus letters. I have spoken with the collections agencies & bureaus. I have not received any results. Each credit bureau said over the phone that I dont own the debt but until the collection agencies send an electronic authorization number for it to be remove it will not fall off until XXXX. This fraudulent debt has been on my credit report since XXXX. Each bureau keep illegally updating these fraudulent accounts. Ive asked numerous of time for them to validate the debt. They wont prove its mines. XXXX XXXX or XXXX has not responded back. XXXX, XXXX, XXXX, XXXX bank XXXX XXXX Client Services has not responded back either. XXXX responded but did not validate or verify any debt. They updated the report as if its mines and dropped my points by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Central States Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, I paid a medical bill to XXXX XXXX for XXXX. Several months later, I received a debt collection letter from Central States Recovery attempting to collect XXXX for a debt that was not paid to XXXX XXXX. 

The transaction date was XX/XX/XXXX. The posting date was XX/XX/XXXX. I spoke with XXXX XXXX and they said that, yes, I paid it. 

For 10 months, I tried to get Central States Recovery to remove this debt. It has negatively affected my credit score. 

Finally, Central States Recovery told me that they contacted XXXX XXXX and were told that it had been paid months ago and should never have been sent to them. 

My credit was just run again ( XX/XX/XXXX ), and it shows that I paid the debt. But it has not been removed from my credit report. So my credit score still has not recovered and is still negatively affecting my family. 

I am going in circles with this company. I have spoken with XXXX or XXXX at least 10 times. They keep telling me that they can't do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my Credit Report and needs to delete immediately : XXXXXXXX XXXX XXXX Date Updated : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been in contact with AmeriSave Mortgage Lender and they're doing fraudulent moves. They're trying to charge me {$500.00} to lock me in a rate, actually they say I can pick my rate which it doesn't make much sense. They had a lawsuit before becuase of this and they continue to do it. It was strange to me and thankfully I researched a little before making any payment. But I'm concerned that I provided my personal information such as social security.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CURO Intermediate Holdings
State: TN
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 have two accounts on my credit report that I did not give permission for. Ive tried contacting the companies since XXXX. Recently in XXXX of XXXX XXXX XXXX was taken off my report due to non verification. It just popped back up around XXXX. The credit companies are saying it is verifiable, but I have not been provided with anything. Ad Astra is also ignoring me in trying to fix this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XXXX/XXXX/2019 XXXX-Date of inquiry XXXX/XXXX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC Systems is reporting a {$180.00} collection on my credit report from  XXXX   XXXX   XXXX . I have spoken to  XXXX   XXXX   XXXX  directly, and they told me it is an error and they should not have sent the account to the collection agent.  XXXX   XXXX   XXXX  tells me that they have informed IC Systems that the collection account was reported in error, but now IC Systems refuses to take it off of 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 explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have made several attempts to get an unvalidated bankruptcy removed. Several attempts have been made over the past 6 months to get full validation of who, when, and where the bankruptcy was confirmed by. After doing an investigation myself, the United States bankruptcy court does not do any business let alone report to credit bureaus. There is a security freeze on my XXXX data minor file that has been there for quite some time so who received the validation for those two companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX Bank XXXX, has violated my rights. Also Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the to privacy. 

15 U.S.C section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions These Accounts are also being reported inaccurately as open and as a past due accounts According to FCRA I have a right to a accurate 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 2022-04-06
Company: Experian Information Solutions Inc.
State: TX
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:
There are accounts under my name that are reporting INACCURATE and UNAUTHORIZED inquiries that are violating my FCRA rights. I already files a proper documentation regarding these accounts and I have attach documents for these accounts I am complaining.

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