BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: Experian Information Solutions Inc.
State: GA
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 found on my credit report was a mortgage, two credit cards, and several weeks later a XXXX car. When I saw the information on my credit report and tried to download it, I was unable to obtain it. Experian wanted me to identify myself, but I did take pictures of the information. I filed a police report and added a fraud alert on my credit file. 

When I checked my credit file today the house, car, and credit cards had been removed. This has really made me concerned about the ethics of this company. I do know about their data breach in XXXX now, but was unaware of it until a few days ago. 

Experian has still refused to raise my credit score when they have had a massive data breach in XXXX. I have not been able to obtain and use the credit I earned since someone else stole it and they never informed me five years later!

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 2020-09-21
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I received an email from JP Morgan Chase & Co. ( Chase ) that claimed I owed a statement balance of {$48.00} on an account ending in XXXX. 

However, this account had been closed on or about XX/XX/2020. There should have been no charges placed on that account after it was closed. 

I immediately contacted the Chase Fraud Department by telephone and told them this charge was not valid because the account had been closed a minimum of 2 months. That representative stated a fraud investigation would be initiated and that I would not be responsible for that unauthorized charge. Chase did not offer a credible reason for why Chase had processed a charge on a closed account. 

Several hours later I received another email, from Chase Fraud Protection services. This email stated that they closed the XXXX account. This can not be accurate if the account was closed on XX/XX/XXXX XXXX which the first representative I telephoned confirmed ). You can not close an account that is already closed. 

On XX/XX/2020 I accessed my old online account only to find that Chase has another account in my name ending in XXXX. In its response to CPPB, which I received on XX/XX/2020 Chase states it was their procedure to replace the account number when a fraud claim is filed. Unfortunately, Chase does not address the issue of my request to open no accounts in my name. 

Chase claims that the charge on XX/XX/2020, made after the account was closed on XX/XX/2020 was justified because there was an Amazon order on XX/XX/2020 ( when the account had not been closed ) corresponding to the XXXX XXXX charge. However, new evidence has come to light which shows there were a total of 5 charges from the same merchant ( Amazon ) ; three on XX/XX/XXXX, one on XX/XX/XXXX and one on XX/XX/2020. Chase declined all of these charges EXCEPT the XX/XX/XXXX charge which is the transaction in question. Chase offers no explanation for why the XX/XX/2020 charge was approved when four other charges made in the same general time period and from the same merchant were declined. Indeed, Chase disingenuously makes no mention of these other four charges although they know or should know of their existence the inconsistency of Chases position.

The obvious discrepancy in how Chase treated this transaction compared to essentially identical transactions raises serious red flags. Chase has been deceptive and uncooperative in this matter and this necessarily magnifies the concerns with their conduct in this matter. 

Therefore, I request your agency carefully consider the foregoing in its stated mission of the examination of companies and enforcement of the consumer financial protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to Speedy cash directly and to the credit beaurus to verify that this debt was mines. I attached one of the letters. I didn't receive EVERYTHING that I requested in the letter verifying that this debt is mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Paramount GR Holdings, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a re-finance loan with this company. After several months of constant run around ( sinceXX/XX/XXXX, 2017 ) the company told me last week the loan was conditionally approved but advised it would not be funded until repairs from Hurricane Irma were completed. ( I have a pending insurance claim, however the appraisal of my home in its current un-repaired state far exceeds the requested loan amount ). I told them I did not want to wait that long and had found another mortgage company so I no longer wanted the loan. They agreed to return my appraisal fee. Today I received a letter that they DENIED my credit application. This is not true, I WITHDREW my credit application. I have since gone on the internet and have learned this company has done this to many others before when they have complained about the way this company operates. I am concerned this fraudulent DENIAL of credit will affect my credit score and affect my ability to re-finance with another company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: VA
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:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX, Equifax, And XXXX have not honored my request to put a fraud alert on my account. As i curranty fall victim to there negligence Cyber criminals have stolen my identity and got Bank account, credit cards, Loans. Hacked all my Email addresses and changed security questions And I have not obtained any Support to Solve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
American EXPRESS has been reporting in my three credit bureaus posted XX/XX/XXXX since around XXXX of XXXX I have been in communication with American Express direct, collection companies and plus the three credit bureaus. Neither one is providing proof as requested showing my signature, on top of that American Express has broken the law failing to to place a dispute in my account within 30 days, and also failed to send me documents as I have requested. 

I had to turn to cfpb for help to report the unlawful action. 

I have more of documentation I carefully collected if needed can provide, certified and signed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
CitiMortgage embezzled a total of {>= $1,000,000} from me and my now ex-husband in a fraudulent loan meant to steal all of our assets and make us beholden to them so we could not escape the debt trap. This loan was found to be fraudulent by the DOJ and CITI agreed to retribution but they did not pay us retribution. They foreclosed. 

Here is what they did. 

XX/XX/XXXX Completed a fraudulent mortgage application with the following frauds : 1. overstated the assets by $ XXXX so we qualified for double. 
2. removed property tax so debt/income ration was 'better ' 3 understated monthly payment by {$2400.00}! 
4. removed escrow requirement to get monthly payment to income ratio down 5 'cooked the books ' by changina 2 to a 7 to add {$500000.00} to assets 6. removed intl moving costs from debts to get assets up 7. ignored $ XXXX  in repairs noted on appraisal to get house price down 8. Gave fraudulent second shell mortgage to get their profit up. 
9. at closing the family was made penniless proving the mortgage was inappropriate for the family.

10. Intl. wire fraud as we were in XXXX  at the time of application 11. when we were unaable to make the mortgage payments they approved a $ XXXX HELOC in a process known as 'looping ' to make us unable to get away so they could bankrupt us and then foreclose to make the maximum profit. 
12. AFTER they signed an agreement with the DOJ admitting to this fraud and agreeing to relief for us the APPLIED FOR FORECLOSURE INSTEAD. 
13. They auctioned off our house for $ XXXX but wouldn't drop our mortgage to $ XXXX and let us keep our house after they defrauded us over over {$1.00} XXXX!!

14. Lied and refused to follow the agreement with the DOJ 15. In  XX/XX/XXXX they sold the loan to 'hide the body ' and make the fraud impossible for me to trace as they changed the mortgage loan number into a bundle number. 
16. They pulled all traces of the sale of the loan into the bundle that they sold on off the internet so myself and anyone else in that CMSI REMIC BUNDLE had no idea their mortgage was sold. It was putting concrete boots on this loan. 
17. When I complained to the CitiMonitor set up by the DOJ they informed me that CITI had refused to cooperate on the monitoring of my loan!!!! 

Embezzled {>= $1,000,000} between XX/XX/XXXX and XX/XX/XXXX 2019

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 2018-04-11
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a secured credit card for {$300.00}. I got behind on payments for a couple months 2 years ago XXXX XXXX XXXX closed the account and put me on a payment plan I was paying {$75.00} to {$55.00} dollars every other month than they sold it to XXXX XXXX and there aggressive Attorneys who filed a judgement against me when we only make when we only made {$42000.00} a year. The amount they are trying to collect is {$710.00} and my Credit Card was only a {$300.00} limit which I had been paying on for at least 6 months. They keep going to court and calling and harassing us my wife had major XXXX and is now having to go through another one. We have been hit hard with the loss of some of our income and we have XXXX children. My credit is now ruined because they filed a judgement against me that was an incorrect amount and extremely high. I have 2 jobs and we can not pay our mortgage we were trying to get a home modification and add me to our house as my wife no longer makes enough to be granted one and now we can not. This is the only thing on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: SYNCHRONY FINANCIAL
State: MS
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:
In 2019, my credit card account fell behind and it was sent to collection at the descretion of Stein Mart, the credit card company.

I paid the collection as requested by Stein Mart 's collection agency. 
The account was still showing as the full balanced owed on my credit report. 
I filed a dispute with the collection letter and the payment confirmation of such. The dispute from this creditor now shows it as a charge off and still with the full balance owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today, XX/XX/2023 at XXXX and XXXX, I received two voicemail messages from XXXX in the Executive Office at WellsFargo requesting a call back regarding the reporting of my credit card on XXXX that has not been deleted and funds never refunded.

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 2022-02-16
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:
I have reviewed my credit report and there are some fraudulent account appearing on my credit report. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2023 an inquiry for a line of credit to Macy 's was made that was fraudulent. I called Macy 's to dispute the inquiry and stop the account from being opened. On XX/XX/2023 I called XXXX to dispute the inquiry on my credit report since it was still showing up.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX

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 2017-06-25
Company: Uber Technologies 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: Account information incorrect

Complaint:
Uber Technologies Inc. is the parent company of Xchange Leasing LLC. XCHANGE LEASING LLC and XXXX have been and are reporting inaccurate information on my credit report. XCHANGE LEASING LLC and XXXX have been and are reporting hard inquiry without verifiable proof of my consents. XCHANGE LEASING LLC and XXXX have been and are reporting the hard inquiry as inaccurate information without verifiable proof. As a result, there is no permissible purpose of putting the hard inquiry on my credit report. I sent certified mails to both XXXX and XCHANGE LEASING LLC asking about the permissible purpose of the hard inquiry and verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from XXXX and XCHANGE LEASING LLC of their inaccurate information and I didnt receive it from all of them. Since neither XXXX nor XCHANGE LEASING LLC have verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiry should be deleted immediately. Certified mail tracking number sent to XXXX onXX/XX/XXXXXX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XCHANGE LEASING LLC on XX/XX/XXXX : XXXX. The following hard inquiry which should be deleted immediately is : Creditor Name : XCHANGE LEASING LLC Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a Netspend checking account in 2016 and had reported unauthorized transactions and never recieved credit or any kind of recourse except for automatic emails. I submitted written and oral reports of the transactions repeatedly and was never handled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was a banking customer with Wells Fargo bank and got charged many overdraft fees, and NSF fees, tried to get my money back and Wells Fargo denied me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed three accounts on XXXX 2020. One week later I received any closing balance and three letters stating the accounts were closed. I was not told it could take up to 90 days. I was not told to stop any automatic transfers. I was not read any closing disclosures. I did not cancel some automatic transfers because I was told they were closed and receive letters that they were closed. On XXXX I got an email reminder of a transfer for XXXX. Online would not let me stop that transfer. I called Capital One and the person on the phone told me she would change my withdrawal amount limit to a XXXX and assured me that would stop these transfers. The next day my personal banking showed these transfers pending. I have made several calls. I am still waiting to get my money back. My bank now shows it totally gone. Capital One was showing a negative balance. Then pending, now XXXX balance. All kinds of conflicting information. The most recent call to Capital One told me it was on hold and would go back to my bank on the XXXX. I don't feel I should have to wait that long for my money that they erred in taking out. I have been told a different story every time I have spoken with someone. I don't feel any of them are truthful. I want to file this complaint based on all the wrong information I've been given over the past 5 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions 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:
Experian XXXX XXXX have exceeded my patients please note and publish I am being represented by council referred by XXXX XXXX ( XXXX XXXX XXXX ) to follow Case # XXXX do to the practice areas I retained a attorneys that practices in California representation was mailed out, Experian has called me twice and made threats and lyes in there investigation process, due to the proven fact noted by C.F.P.B my prayer or relief Decretory judgement that defendant violated th FCRA, 15 U.S.C.1681e ( b ) An award of actual damages pursuant to 15 U.S.C 168n ( a ) ( 1 ) or 1681 o ( a ) ( 1 ) An award of punitive damages, as allowed by the court pursuant to 15 U.S.C 1681n ( a ) ( 2 ) an award cost and reasonable attorney fees pursuant 15 USC and such other and further relief as the Honorable court may deem just and proper including any applicable pre judgement and post judgement interest, and/or declamatory relief I will demand jury trial on all issues

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