BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: CURO Intermediate Holdings
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:
My identity was stolen and 1 of the companies that this occurred with was XXXX XXXX , XXXX . I had a hard inquiry appear on my credit report from them. I had never contacted, applied, or even heard of XXXX XXXX prior to this. I filled out their forms they sent me to have this removed. I also followed up with a letter that the FTC identity theft website generated but still have yet to have the hard inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: NJ
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 EQUIFAX removed the collection account of XXXX XXXX XXXX XXXX XXXX from my credit report however, it was added back without properly notifying me. I made two attempts for them to correct this issue and they did not resolve it. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account status incorrect

Complaint:
I was denied being added on to my company 's checking account. My Chex Qualifile report says I have an unpaid closure, but gives no information as to who that bank account was with, the amount owed, or any other information that would allow me to investigate the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI Comenity Bank ; : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I moved my funds out of my account in order to get a XXXX balance, which was needed in order to close the account. This is an account that had not charged a service fee in the past. As soon as the account level went to XXXX, a charge was levied such that my account now shows a negative balance of {$12.00}. When I called, they told me that a fee was levied because the account balance did not meet their criteria for a fee ... but they would refund the {$12.00} and close the account. So that is nice but they need to be called out on the whole mess.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-06
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:
Noticed fraudulent inquires on my XXXX, XXXX, and Equifax reports. Have mailed in multiple dispute and still see the inaccurate/fraud inquires, XXXX XXXX 1. XXXX/XXXX 2.  XXXX 3, XXXX 4 XXXX Equifax Inquiries 1.XXXX  2 . XXXX   XXXX  3. XXXX  XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6,  XXXX 7. XXXX  XXXX  8. XXXX XXXX 9, XXXX XXXX 10. XXXXXXXX XXXX 11. XXXX 12. XXXX XXXX  XXXX  XXXX XXXX 1.XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX/XXXX 4.XXXX XXXX 5 , XXXX XXXX 6.XXXX XXXX  7. XXXX XXXX XXXX 8.  XXXX XXXX 9. XXXX XXXX XXXX 11 . XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I set up an account for my wife with myEquifax to get a free credit report, I made the mistake of enter my own social security number instead of my wife 's. We have contacted them no less than 10 times to fix this. Everytime we log in it is still pulling my report even though they say it shows her social security number. If I hit the personal information tab it shows my social security number not hers. It is unacceptable that the government allows these companies this much power with our personal information without holding them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On Tuesday XX/XX/2016, I was notified that my account had been closed due to counterfeit checks. Apparently, while I was at work, my purse and cell phone was stolen with all of my personal information. The perpetrators withdrew money from one of my accounts and at Bank of America, they deposited checks and tried to withdraw money, from my understanding. My account was frozen, so I left work to find out what was going on. After leaving Bank of America ( with not much understanding ) I went to the XXXX Police Department and filed a police report and called XXXX to notify them as well. I have done everything in my power to show them I was at work at this time and XXXX attempted to resolve this as well with no regards from Bank of America. I'm not sure what else to do here, I have resolved this with all of my credit card issuers and XXXX XXXX, where they withdrew money, but BofA has this listed as if I attempted to deposit and withdraw money. I tried to dispute with XXXX & XXXX but they sent me a copy of a statement stating BofA verified the account. I never said it wasn't my account, only that it was hacked. They do not have any documentation of me committing this crime, as I was at work, and have proof of this.

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 2018-04-09
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Chase took {$300.00} out of my checking account they said because of inactivity. I had no warning so I went to the bank in XXXX XXXX CO, they said the {$15000.00} had been inactive so they took out {$300.00}, I then close my account before they took out more of my money. 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: EQUIFAX, INC.
State: OH
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:
XX/XX/2019 I got a notice from XXXX. my credit fell 194 in one day. I contacted XXXX XXXX. I learned they show me as a cosigner on three loans. The operator said the signatures look nothing alike. How can XXXX XXXX accept a signature for a large loan without checking the previous signature and requiring a notarized signature. I want my credit restored, the late debt has since been paid by the owner of the loans. I want to be removed as a cosigner. I have contacted XXXX, Equifax, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: EQUIFAX, 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:
U have contacted the credit bureau several times on several different attempts and occasions ... I have not received and proper paperwork or updates on the request that I have asked. It show that taxes liens are reporting on my credit file.. There have been a serious error I have no liens. These files have to be for someone with the same name.. This is putting my life at a stand still and a hold.. Which is absolutely not fair to me or my family

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 XX/XX/XXXX I was depositing {$60.00} in ATM IN Bank of America branch in XXXX, NJ. I tried to deposit three {$20.00} bill, but ATM excepted only two bills, returning me {$20.00} back. I tried to put that bill 4 times, but ATM kept returning it to me.. AS a result, my account became overdrawn. Next day I went to another ATM machine and it did took the same bill. I have substantial relation with this bank:2 checking accounts, 2 credit cards, overdraft protection, 2 direct deposits. When I called customer service on XX/XX/XXXX, representative told me that I should have been driving around different Bank of America ATMs and deposit money there.It was XXXX XXXX, totally dark and unsafe. 
I have been customer of Bank of America since XX/XX/XXXX and it was my first overdraft fee ever, but they did n't consider 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 monetary relief
Consumer complaint received 2019-10-06
Company: United Student Loan Assistance Center
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I received a call from United Student Assistance Center. XXXX was the representative and already knew my name and I meant to reach out to see how to qualify for a loan forgiveness program. I went through the process and he proceeded to ask for money after already telling me I qualified for a {$0.00} 240 month payment forgiveness program after making 3 payments of $ XXXX.He strategically used the fact that my debt was {$51000.00} and {$600.00} is nothing compared to that. It made somewhat sense at that time assuming the funds would go toward payments. I managed to give him my card number which I can deactivate at any time I don't even use that account much at all so I wasn't worried about it I start my part time job next week so I used that information I had him push the payment back 3 weeks enough time to investigate and see how legit this was despite him making it seem ok on the phone. After researching a bit I saw they were a real company but they aren't exactly squeaky clean business wise. I have been looking to options directly with the H.E.L.P. team and I plan to pay off these loans by 2025. I do not like scammers I was really trying to explain I was behind on bills and need until XXXX then he said I can reschedule the payment with no issues then after the contract was done he told me about the {$10.00} reschedule fee. He tries to guarantee it wasn't a scam but judging from the research I've done it definitely is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: CORELOGIC INC
State: OH
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:
I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or 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 2018-03-17
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I have a conventional mortgage with Chase. Due to divorce, we are selling the home and it is a short-sale. We have a buyer who has been approved for VA loan, but Chase is demanding that line XXXX on the XXXX is deleted. This line reflects the cost of the homeowner 's insurance for the buyer, and is required by the new lender. It is in column that reflects it will be paid by buyer. The new homeowner 's insurance has nothing to do with Chase as they are the seller. 

It does not make any sense why they want this line, that does not affect them, deleted. This is a requirement for the new lender. The attorneys involved and realtors do not understand why Chase is requiring this and have spoken to Chase with no resolution or satisfaction. 

They refuse to close without the line deleted. Closing has been delayed 3 times. This buyer is ready to walk away, and it will be the XXXX buyer to walk due to Chase 's inability to perform and close a transaction. I have already moved out of the home because we thought we were going to close XXXX weeks ago. 

They have no right to demand that line is deleted from XXXX. It does not affect them in any way, and it is a requirement for the lender. 

Please help. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 a representative called my house phone, I wasnt available so my XXXX daughter answered. After my availability was stated the representative was aware that I wasnt available and he continued to speak to my minor daughter. He explained to her that I owe the company money and if the debt wasnt paid I will be going to jail. Unfortunately because I wasnt available I dont know all the details of the conversation. I found out that night when my XXXX XXXX XXXX daughter woke me up crying, asking if I go to jail where will her and her siblings go live, which had confuses me. my daughter explain to me what the representative on the phone said to her, she then told me she took it upon herself to pay the in accurate debt due to her being scared with my debit card. I question my daughter about the payment and she told me that the representative walked her through the payment process. He gave her some type of number. When I noticed the name of the company it had become familiar that I just received something in the mail from them a few weeks prior. Not only they made a XXXX XXXX XXXX pay this account, but the amount was inaccurate. I then asked my daughter why would she make any payment without coming to me first and how much was this debt? She said {$1600.00} I lost my mind. I went to go look for the letter that was sent to me a few weeks back. When I found the letter, Not only it was unacceptable but it was the wrong amount. The representative made her pay {$1600.00} and the man knowing the letter of the debt states {$1300.00}. I have submitted both the letters for {$1300.00} settlement notice and a confirmation of payment of {$1600.00}. I spoke with my children and explain to them that under no circumstances they are allowed to pay anything without my consent since then Ive been getting harassed with letters and phone calls from Chase bank stating I still owe a debt although in the past I had submitted police report of a home invasion showing my information was stolen and missed used. I also told chase and client services, obviously it was someone who I knew or know and who is always in my home, but I couldnt pinpoint who it was because I have multiple people in my home which at this time I did stop everybody from coming to my home, because Im not sure who has done this. i just received a letter in the mail on XX/XX/2019 from XXXX from chase harassing me including calls. i explained although the debt was paid inappropriately by a child, but the debt is paid and to please stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX/XXXX/XXXX I received a notice from the bank that I owed them {$120.00}. So I pulled up my bank account and saw that their was a Phone number attached to the amount being levied against. So I called that number it was the California XXXX XXXX XXXX debt and collection unit. I got a call back from a person name XXXX XXXX XXXX ) XXXX Fax ( XXXX ) XXXX Voicemail, I explained to him that I was on Social Security and the account that Wells Fargo levied against was a account that I have n't used in sometime and when Wells Fargo levied my account the account was XXXX. He told me he did n't understand why Wells Fargo would do that because they knew that they would not be able to collect upon the debit and I would have to take that up with Wells Fargo. So I called Wells Fargo And spoke to someone over in the Legal Processing Unit ( XXXX ) XXXX they told me the case was closed because their was no money in the account to collect. But I still owed the bank {$120.00} for the processing fee of the court order. Wells Fargo is charging me this fee on an account that was already delinquent on funds. To charge this fee knowing no money is available is a very greedy practice.

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 2019-10-06
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
I am going through a divorce and the virtual currency has been discovered and now documents are going to be supeona. Can you help me understand and where to look to retrieve all the currencies and any transactions. The funds was hidden but they now have been found Any advice would help. Address is XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Well I have a capital one secure credit card that I open back on XX/XX/2018. Never been late for payments, actually balance from XXXX credit is only XXXX and they closed and RESTRICTED my account for no reason. 
Everytime I call they say they cant provide me with any info as for the current status of restriction on the account but they DONT TELL ME WHY.

Company response to consumer: Closed with explanation