BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX {$5100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2019-04-26
Company: CITIBANK, N.A.
State: VA
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:
Once again filing a consumer finance dispute because I have run out of options here. XXXX will not give my money back and as of today, XX/XX/XXXX, they have stopped providing services to their user 's who prepaid A YEAR IN ADVANCE. I have filed this with XXXX as well. 

On XX/XX/XXXX- I sent XXXX an email asking for cancellation of my service. I wanted to see Wreck It Ralph and tried to, but the service would not issue me a ticket. Furthermore, I just checked my XXXX   account ( I can for some reason log-in online ) and I requested the cancellation before my " attempt '' is logged on the XX/XX/XXXX. I never saw Wreck it Ralph on the XX/XX/XXXX. I tried to see it on the XX/XX/XXXX,  but it obviously did not work out as you can see by the provided request for cancellation email. 

Then we go through the same things as noted before, XXXX never responds, XXXX never reinstates my account after multiple requests. I paid {$110.00} to watch 3 movies a month. I have been able to watch two movies : Spiderman on XX/XX/XXXX and Wreck it Ralph on XX/XX/XXXX. On top of everything else, XXXX charged me fees on top of the {$110.00} I paid to see these movies. I have already joined the lawsuit for this portion. I requested my cancellation well before seeing being able to see any movie. The only correspondence I have EVER received from XXXX was to let me know that this is my banks responsbility and they are deactivating my account. All documents with dates are attached. I have 7 months of service left. I have been unable to use this garbage service and {$110.00} is not some small amount of money. I work hard and this is totally unfair. They scammed thousands of users. Please Citi help me out! I use credit cards for the protection, so why is Citi not protecting me? Thank you!

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 2021-05-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2021-09-13
Company: DocuPrep Xpress
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I'm pretty sure I was being scammed. A third party ( XXXX XXXX ) contacted me about my federal student loans, not my servicer ( XXXX ) but they said they would reduce my payments and help me qualify for forgiveness if I made sure not to miss any payments, and paid an initial balance of $ XXXX/month for the first five months. I thought they were related to XXXX because they knew how much I owed and what types of loans I had. I ended up giving them two of my paystubs, my debit card info, and my SSN. They had me sign a POA form. I became suspicious because I'm still in my grace period as a recent graduate, and I was complaining about it to my coworkers who said I was probably getting scammed. On XX/XX/XXXX, XXXX XXXX pulled {$190.00} from my checking and told me this would not go towards my principal but towards the people servicing my loan. Today, XX/XX/XXXX, I contacted XXXX and requested additional security to prevent other people from accessing or altering my account. They confirmed that no payments or changes had been made to my account. I contacted my bank to cancel my debit card. I also contacted docusign express directly to cancel my account and request a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: Experian Information Solutions 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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: MIDFIRST BANK
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My ex-wife and I entered into a mortgage in XXXX, with Midland Mortgage Company to secure a loan on our former matrimonial domicile. We divorced in XXXX or XXXX, and entered into a divorce judgement through which my ex-wife received 100 % ownership in our former matrimonial domicile. It was my understanding and my instructions to my attorney and, I believe, the instructions of the Court that I be removed from the mortgage. 
In XXXX, XXXX my fianc and I applied for a mortgage with XXXX XXXX on a home we purchased. As part of that application, XXXX XXXX researched our credit, and the aforementioned mortgage appeared on my credit report. I was surprised because I have not heard from nor had any dealings with Midland Mortgage since the time of my divorce in XXXX or XXXX. 
I contacted Midland Mortgage on XX/XX/XXXX, and they told me that I was not on the account and, therefore, not authorized to receive information about the account. They suggested I address the issue with XXXX XXXX who, in turn, referred me back to Midland. I called Midland back, and they again told me that I was not on the account and not authorized to receive information about the mortgage. Despite this, they did tell me that I was not a debtor on the mortgage and that I was not a debtor on any mortgage with their company. They suggested that I file a dispute with Midland which I did. A copy of my letter to Midland Mortgage Company dated XX/XX/XXXX, is attached hereto. 
Any help you might provide in removing Midlands mortgage from my credit report is greatly appreciated. 
Thank you

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 2018-06-28
Company: Incomm Holdings Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased a XXXX debit card -the following day XXXX was stolen from the card -my understanding is, If the vendor refuses to give the money back -I am not protected. visa, XXXX, and XXXX XXXX is giving me a runaround about refund of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
While I was overseas and traveling for the past few years, someone opened up a few credit cards and a checking and savings account with Capital One. There was a balance ran up of about {$5000.00} on a {$7500.00} credit limit card. I was able to get the account closed down yesterday but it still caused issues with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
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: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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: Information belongs to someone else

Complaint:
id theft victim this is a fraud account XXXX XXXX XXXX charter {$840.00} this is not my account. please see attached id theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was told over the phone with XXXX XXXX XXXX by XXXX in XX/XX/XXXX that my  accounts were closed. His company lied to me about services that would be available to me repeatedly in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Rather than close my accounts they quietly collected all of my remaining funds ( FRAUDULENTLY ) and then charged for 3 months more " service '' in the accounts. Now they have HARASSED me repeatedly, REFUSED TO ANSWER MY COMPLAINTS, and FRAUDULENTLY STOLEN MY FUNDS SINCE XX/XX/XXXX. The company allegedly records all phone calls and will not allow you to record them, but can not disprove my consistent and documented story. They have not responded satisfactorily to my complaints and are rude and unintelligent ( or perhaps poorly trained ) in my communications with them. This CORPORATE ENTITY is taking advantage of me, A HUMAN, AMERICAN, CITIZEN, and I demand that they and the CFPB resolve this issue promptly by immediately returning all funds in my account as of XXXX XXXX, and ceasing and desisting any and all attempts to collect the fraudulent {$60.00}. CHASE LIED AND NEEDS TO BE HELD ACCOUNTABLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: EOS Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Contacted me with two repeat calls that I did not answer ( did not leave voicemail ). 

I answered on the third call. Asked my name and tried to verify me using an incorrect social security number. 

Would not state the nature of the call or type of company that it was for privacy reasons. Caller stated he was with EOS CCA. 

Tried to indicate the address they had for me - which was not an address I have everhad, but IS an address close to my current location. 

Would not provide any information about why he was calling or what the company was until I would provide social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: SAMC Honebee TRS, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX my husband was put on permanent XXXX. I was making the payments on my mortgage until Covid hit. I put the loan on deferment for 3 months. The situation with COVID has not improved and I am still not working full time. I have applied for a loan modification on XX/XX/XXXX. To date I am still submitting the same information to them in a different format. I have sent everything needed at 5x just a different format. I have a leave messages to get a call back from my specialist. I do exactly what he says and call the next day and he wants it differently. I received 2 notices of foreclosure and I have been touch with company everyday resubmitting the same information in a different way. I really need some help getting this process moving and the foreclosure notices to stop and help me obtain approval for the modification. I have numerous files and will upload whatever you need. I am sending a few as samples of the documents being sent multiple times with small differences etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a XXXX payment with Chase Bank of {$130.00} to someone I learned was a scammer I requested them to stop the payment and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In your response dated XX/XX/2020 XXXX PartXXXX please supply documents and responses to the attached questions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2017-11-27
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Wells Fargo Credit Card opened in my name without my permission or knowledge, person ran up over {$50000.00} in debt before I became aware of the problem, canceled the card immediately upon knowledge. 
Wells Fargo refused any help with the matter, this was during the time period of fraud the CFPB fined Wells Fargo {>= $1,000,000} but before the problem was made public. 
I 'm looking for restitution and penalties and restoration of my financial credit reporting.

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 2020-07-29
Company: AMERICAN EXPRESS COMPANY
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:
In early 2020 I opened a Delta Sky Miles credit card ( ending in XXXX ). The promotion was for XXXX Delta Sky Miles bonus miles if a minimum spend was met within a certain time period ( which it was ). Shortly after receiving the card, the pandemic struck and airline travel all but shut down. 

I recently called Amex to inquire about cancelling the card as there was no longer use for it. I am quite certain I requested verbal confirmation from the representative that there would be no repercussions regarding the bonus I received in my Delta account. Nor was anything disclosed by the representative that there would be a clawback if the card was cancelled. Today I received an e-mail that indeed the miles will be clawed back. Upon calling Amex, the representative ( XXXX ) informed me that an investigation will be made into the call and that the representative should have told me about the forfeiture due to account closure. I sincerely believe I was not informed and, in fact, recall being advised there would be no issue. The call validation request is XXXX. 

I have now received multiple versions of what would happen if the card were cancelled. Clearly this is problematic and needs to be investigated. What's most troubling is that, if indeed I am correct in my memory of the cancellation call, and the representative did not disclose or misrepresented the account closure implications, there would still be no reinstatement of award miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Checkr, Inc
State: GA
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: Personal information incorrect

Complaint:
I have XXXX serious Georgia serious commercial disqualifications on my motor vehicle report and I dont have CDL and never have had a CDL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: HI
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:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had stopped using this XXXX XXXX  XXXX account completely. The only reason I have kept it is because it is one of my older accounts. I thought I had removed the autopay for the car insurance which is usually paid bi-annually from this card. I never received any correspondence that this account was in jeopardy. I was however, receiving numerous SPAM calls from representatives claiming to be from XXXX  XXXX XXXX. There was a clear language barrier from the people making these calls so I am not sure from where the calls were coming from. I didnt think there was any reason for concern so I didnt follow up with XXXX XXXX XXXX to inquire as to whether my credit card account was in jeopardy. I did not know there was a late reporting on this card until I obtained a recent copy of my credit report. I tried contacting XXXX XXXX  XXXX to explain the circumstances of the situation but I was never able to reach a supervisor to assist me. At the time this card was opened my credit limit was {$15000.00} and was then reduced to {$500.00}. I thought this was suspicious as well. I have tried numerous times and have asked XXXX XXXX XXXX to remove this late since clearly it is reporting in error however, I have not been successful. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this but have not been successful.

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