BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-25
Company: EQUIFAX, 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:
My XXXX XXXX  / XXXX XXXX account was removed from my Equifax credit report. I recently had an unauthorized charge due to fraud and reported the charge as fraud. XXXX XXXX sent me a new credit card with a new account number. However, the old account was removed from my Equifax credit report and the new account never reported. 

The following is email correspondence with XXXX  : From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX  ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID:XXXX  Thank you for your recent inquiry to our Customer Care Department XXXX 
XXXX XXXX issues your account and responds to all credit related inquiries. 

I am happy to go over your account with you. The accounts are reported electronically to the three major credit bureaus every thirty days. The account was reported on XX/XX/XXXX as " Current Account. '' Please allow up to 45 days for the credit bureaus to update your report. Thank you! 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, My XXXX XXXX XXXX XXXX account is not being reported to Equifax. The account was removed in XX/XX/XXXX after I reported fraudulent charges made to my account. 

It is reporting to XXXX  and XXXX with the remarks " account in dispute ''. 

Can you please see that my account is updated and the trade line reinserted to my Equifax credit report? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions 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:
FTC report # XXXX Police report-per FTC it is OPTIONAL My name is XXXX XXXX These accounts need to be DELETED from my consumer reports and I need a copy of clean reports once removed. The credit reporting agencies are taking their time to remove ( been going back and forth with them for XXXX months now ). A few of them have removed some, but the fact that these account still remain is clueless to me as to why havent been removed when FTC report was included per the CRA 's request. 

Again, I need these accounts listed below including inquiries attached DELETED asap. My FTC reports # is also listed at top of paragraph : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2020-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 1. XXXX XXXX on XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XXXX ( Reported Identity Theft )

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 2020-02-06
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I received a call from this number : XXXX They were pretending to want to verify my information for my XXXX  account and said my bank would contact me to verify. I then got contact by what I thought was PNC from this number : XXXX. 
Immediately I saw 3 charges taken out of my checking PNC account from XXXX XXXX on XXXX. 
The charges were for {$40.00}, {$470.00}, {$480.00}. 
I called PNC bank within a minute. Filed a report and was told I was 100 % covered. I asked what next step I should take and the person said wait for us to contact you. 
No contact from PNC so on XX/XX/XXXX I called again. The lady I spoke to could tell a fraud alert was put on my account but said no report was ever filed for those charges. I filed another report, and was again told I would be 100 % covered. I was told in 10 business days I would recieve a credit for those amounts but asked if that could be expedited because I had actually filed the report on XX/XX/XXXX. The lady agreed and said I would receive a credit within 3 days. Then I received a call from XXXX XXXX from Pnc on that 3rd day saying that it would be 10 days from XX/XX/XXXX to process the report. I now have recieved a call today saying that I am responsible for all the charges take from my account and will not be getting any credits, after being told over 3 times I was 100 % covered. It is now 15 days from the original event. My original report was never filed and I filed it before the charges even processed from my account so PNC neglected to handle this accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've been repeatedly called and received letters from American express regarding a credit card debt in which I did not authorized or applied for. The only Hilton Honor Card credit card I authorized was the Hilton Honor XXXX visa card that I was informed a year later after started using that visa card. I was notified through via mail in 2008 that there will be a change or transfer from Hilton Honor XXXX visa card to the Hilton Honor American express card. I did not authorized this transfer and they kept on bothering me to pay off the debt. As a result of that transfer, my interest was compounded, reported and transferred to that American Express account that I did not authorized. I've been consistently making my payment on my original Hilton Honor account consistently and I believed I balanced out that previous balance which I started off with. As of today I have been continually being coerced to pay off a debt that was a result from that transfer to that unauthorized American Express account. As of today my credit score and reports was negatively impacted due to the non payment reported on a American Express card that was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: FREEDOM FINANCIAL NETWORK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I started with freedom debt relief in XXXX of 2018, at that time they had me add all debts including a XXXX   and XXXX account. I also was told by them to get the legal plan that would cover me for any reason if a account took me to court but was told that if I get anything to just upload it to my dashboard. I was served for my XXXX account and XXXX and uploaded the paperwork and assumed I was all set until a sheriff showed up with a judgment saying I must pay back with 10 % of every paycheck. When I started the XXXX bill was under {$600.00} and now with intrest and fres I owe XXXX. I had over 4,000  in my freedom account at this time and it was never worked out, XXXX was around 12,000 when started and now they want XXXX. Freedom tells me that I should of called the legal team and not them when I got the papers but i called freedom and uploaded like they said. I feel scammed, because now it looks like XXXX  dose n't even work with the. So why would they have me add that account in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, XXXX fraudulent charges were charged to my Bank of America XXXX BofA XXXX XXXX XXXX  by XXXX. I saw the charges on my statement and thought they were normal XXXX shopping charges on my wife 's XXXX account. When the charges continued after XXXX, I asked my wife about the charges, and she informed me that my debit card is not on our XXXX account. My wife tried to find the orders for the charges, and they did not appear on our XXXX account. On XX/XX/XXXX, I called BofA to cancel my debit card and reported the fraudulent charges. My wife then called XXXX regarding the charges, and they confirmed all the charges were appearing on an account that was not ours. XXXX told me they were fraudulent charges and told me to contact our bank. On XX/XX/XXXX, BofA sent a letter stating : " We've completed our research and closed this claim. Our records show the transaction activity in question was authorized and posted correctly to your account. '' When we asked to send the supporting documents that they relied on to reach their decision, they said there was nothing to send. We asked to reopen the claim so we could send an email from XXXX stating the charges were fraudulent. On XX/XX/XXXX, we received a second letter from BofA stating : " We're unable to approve your recent claim. As you requested, we completed a re-evaluation of your claim. Our research included the information you provided with your claim, your account history, and/or the monthly account statements we sent you. We made this decision because : the charge was authorized by you or someone who has permission to use the card. '' I called BofA, and they told me to contact you. The claim is closed and has been blocked from any other activity. My wife contacted XXXX a XXXX time, and the representative told her BofA does not resolve any fraudulent XXXX purchases.

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 2019-08-25
Company: ALLY FINANCIAL 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:
Between XX/XX/XXXX-XX/XX/XXXX of this year, an account from Ally Financial appeared on my Credit Report saying I am a co-signer on a Business Loan for XXXX XXXX XXXX. This Business is non existent. I am not affiliated with this company. I reached out to Ally Financial to get further information about this debt to see loan documents/and or Validation to see why this suddenly appeared on my credit. I have never made any payments to this company, but someone has been who I do not know. Ally Financial refuse to give me information and referred me to speak to XXXX XXXX XXXX, a debt collection company. I reached out to them, and they can not validate the debt either, or give me information pertaining to the loan. I am a victim of fraud and I need this removed from my credit immediately.

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 2017-12-06
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I scheduled my HOA dues payment to be delivered on the XXXX of XXXX got confirmation from my bank that they will deliver the payment on the XXXX. They debit my account on the XXXX, but did not deliver the payment until XXXX. I was charged {$18.00} I have called my bank and they started to investigate they say they will call me and they did not. I faxed my complaint and have not received a response.

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 2020-02-06
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase bank has erroneously and fraudulently signed me up for payroll services in my checking account without my knowledge or consent. I have complained the business and they have refused to do an audit and refund me all the fees due. These fees range from $ XXXX {$25.00} a month and I have no clear understanding of what they're charging and why. I have contacted the bank and they are totally unhelpful!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I HAVE REQUESTED XXXX  TO DO A CREDIT REPORT UPDATE OVER 2 WEEKS AGO WHEN A I MADE LARGE PAYMENT TO SYNCB/TJX ACCOUNT. THE BANK HAS ALREADY UPDATED MY BALANCE WITH THE 2 OTHER BUREAUS, I CANT IMAGINE THAT THEY PICK AND CHOOSE WHICH BUREAU TO UPDATE. I AM VERY WELL AWARE THAT BANK REPORT EVERY 30 DAYS BUT I NEED THIS TO BE UPDATED SOONER, SINCE I AM IN A MIDDLE OF A MORTGAGE TRANSACTION. I NEED XXXX  TO UPDATE MY BALANCE WITH SYNCB/TJX. THEY ALREADY HAVE THE WRITTEN PROOF FROM SYNCB/TJX I HONESTLY THINK THEY ARE DOING THIS ON PURPOSE.

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 2018-03-13
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
A letter dated XX/XX/2018 was sent to me telling me that all my accounts are being closed on XX/XX/XXXX for a " business decision '', after 7 years of banking with them and having 0 problems! 
I've tried calling them and they told me that corporate will call me back, but never heard back from them. 
They closed my credit card account without any heads up notice, didn't even send a card advising that it's about to be closed. I just found out about that today when I went to the bank to ask for a reason. 
I've had automatic payments that didn't go through because of this, and it's turning my life upside down in a matter of days. 
I think that the minimum I deserve is a reason as of why my account is being closed and not just " business decision ''. 

Thanks

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 2020-06-24
Company: EQUIFAX, INC.
State: CA
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am seeking assistance in regards to my mortgage with SPS. I have a potential short sale that we would like to complete with the lender SPS. I initially reached out to them on multiple occasions seeking assistance and was advised that they had placed a sale date on the file for XXXX/XXXX/XXXX. I immediately advised my financial adviser that they were unwilling to help with getting a loan modification approved in order to keep the property. My adviser stated that we should submit a formal compliant as I was never served with any notice of foreclosure sale paperwork. This property has been in my family for multiple generations and has become a family heirloom. I worked together with the lender on submitting multiple completed loan modification packages with all financials, addendum 's, forms and contracts needed in order to complete a formal review but was subsequently denied. We are asking that provide us with a 45-60 day foreclosure stay in order to allow for a complete review to go through as we do not wish to have a foreclosure on our record. Our family has gone through enough hardship and this is something that will potentially break us apart. Please help us obtain postponement in order to allow enough time to complete a short sale review as my property was listed for sale on XXXX XXXX, XXXX in preparation to complete a short sale on my property as it is simply no longer worth what I owe the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/19 I just got my HSBC Credit Card, and from the beginning I saw that i made a huge mistake by doing that!!! 

At first I registered for Online Banking, and I was restricted from getting any access a minute latter!! .... It took me 3 Days ; and 2 Hours of phone wait to get it resolved!!! 

Secondly I saw that they reported to the Credit Bureaus more then a week after I used the card!!! 

Then I finally used my card and right away made a payment! I accidentally logged in and what did I see? ... My Payment was sent back, and they charged me {$25.00}!!!! 

Finally got back the XXXX dollars, I log in again and I see I have NO AVAILABLE CREDIT!!!!! they told me MY ACCOUNT IS LOCKED!!! 

I called the Security Depot. AND I AM WAITING MORE THEN AN HOUR NOW!!!!!!!! 

NEED ANYTHING ELSE?!!!!! 

DO NOT EVEN DO ANY BUSINESS WITH THEM AT ALL!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Fay Servicing, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was with Fay Servicing, I was in an XXXX & when I recovered I found that my mortgage company at raised my payment from XXXX a month to XXXX. I called & talked to my account manager, he told me to file for loss migration, I sent in the forms in XXXX of XXXX, I never was asked anything else, I got no response or communication. I called in again, my account manager told me to file again, I asked what happened to my first one, again no response. I sent in the forms, I didnt hear again, so I called, I was told they needed more paper work, again I faxed in, after four days, I called Again, I was told for more paper work, I asked why they wouldnt communicate, again, no reply. I hired an attorney with a loss migration specialist, she always made sure that had what they needed, I was denied as the letter said their investors dont participate in that program. I re applied, as the foreclosure sale was approaching, I was denied, another letter stating their investors dont participate in that program. Im still in the house, I have VA benefits, but because of their drawn out process, & the months behind, no other mortgage company would touch me. I feel cheated, & taken advantage of by Fay Servicing. They want me out bu XX/XX/XXXX, I feel like filing a law suit to get my credit back & the home I built with my own hands

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: FMS Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Southern Management Systems contacted my phone from XXXX regarding a debt on XX/XX/2020 at approximately XXXX cst. I had a friend answer as i was busy and see what the call was about, they asked for me and said who they were, when my friend said that he was me the collector failed to verify with a date of birth or ssn, and just began speaking about my debts to my friend. This resulted in my info being shared in a way i am not happy with, anyone who this company calls could say they were me and just get all my info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 DISPUTED ACCOUNTS AND INQUIRIES ARE NOT LIABLE TO ME AND MY SSN. THOSE ACCOUNTS HAS BEEN INACCURATELY REPORTING ON MY CREDIT AND HAS BEEN EXTREMELY DAMAGING MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FOR THEY HAVE BEEN HURTING MY CHANCES OF ACQUIRING NEW CREDIT.

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