BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this complaint AGAIN to delete the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged accounts below showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: JPMORGAN CHASE & CO.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: ALLY FINANCIAL INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
As an XXXX yr old senior my wife and I purchased a new car. The dealership set us up with Ally Bank and we opted for auto withdrawal from our account. This XXXX XXXX l got an email from Ally saying that my bank rejected payment and after much discussion with different XXXX Ally l contacted my bank and they stated no request was ever made.We have been paying auto withdrawal for over XXXX yrs. l have trusted my bank for over XXXX. After much transfering of calls over a XXXX day period Ally instructed me to log on to their website and redo all my personal information.l did so.When l had finished a notice informed me that they could not reenroll me and to try again later. l was instructed to try again and again the same message came up. I was then instructed in the various ways l could pay my XXXX XXXX payment l chose to pay by check which l sent on XXXX XXXX. At that time l began to research Ally reviews. l found complete disregard for the customer.l found what appear to be illegal practices and l do n't want to be caught up in them and feel bad for those who are.As a senior, l have all ready felt the stress of refilling out unnecessary forms over and over. l am asking for help to stop these practices by Ally Bank.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 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I applied to get a car with bank was denied. I checked my credit and I saw things on there that I did not authorize. I have also applied for a job that will check my credit and this is not good. Please take these accounts off my credit XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. There are some inquiries that I didnt XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contact the FTC and my local police department.

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 2018-01-09
Company: Experian Information Solutions Inc.
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
My social security details have been stolen along with possibly other information. 
The way I found out was a hard inquiry on my credit was issued from XXXX. 
When I called XXXX, it appeared that they opened a credit card for this individual. It was cancelled straight away. 
I also received a call from XXXX XXXX for an attempted opening of a credit card. 
I would also like them to make sure they update my details to include my current address and other information. The individual I believe used my prior address and thus was able to open an account using an old address because it was n't updated with the credit bureau.

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 2018-01-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Following the receipt of my credit report late last year from the XXXX, Experian and XXXX  consumer reporting agencies, I learned of an two separate adverse accounts from XXXX XXXX XXXX  and the U.S. Department of Education. Said accounts reported to all three credit reporting agencies under account numbers XXXX and XXXX - exact same account, reporting as two separate creditors.

I never had two separate student loans. Disputes with the credit reporting agencies were for naught as both XXXX XXXX XXXX and the U.S. Department of Education merely  confirmed the accounts. I complained to the creditors about the duplicate reporting - in writing - and even completed disputes with the credit reporting agencies. They were also ignored with no explanation whatsoever. 


Once again - I never maintained two separate student loan accounts. This companies ignored my concerns despite evidence to the contrary and complaints to the XXXX, Experian and XXXX  consumer credit reporting agencies. My FICO credit scores have been severely impacted as these separate accounts report as collection entries. 

I now file my complaint to the CFPB seeking relief.

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 2022-01-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I communicated in good faith multiple times with Comenity I was not receiving my card. They offered to send a new one ( again ) multiple times and I explained that would not help, and I suspected my mail was caught in some sort of forwarding loop, because Id been seeing other parcels with multiple forwarding stickers, arrive months late. On the third time I called, I asked them to please XXXX the card to me directly, because Id been spent numerous hours trying to resolve the forwarding issue with the post office and was still having mail delays. They refused to XXXX the card, and I said Ok, if you wont send me my card after Ive called twice to explain the issue, Im closing my account immediately. This was XX/XX/XXXX. I paid off the balance and any fees at the time and believed I was doneat this point I was really frustrated, by the refusal to send the card ( a request readily obliged by other cards ) by XXXX, and the ongoing underlying issue with the post office. When I closed out they didnt mention that since my due date was XX/XX/XXXX, that any late fee ( because I still had no card, and paid on XX/XX/XXXX ), wouldnt show up until the following billing cycle. I had already spent hours on the phone trying to clear this up, and when I saw I was being charged AGAIN for a card I NEVER received, my lid nearly popped. Not my finest hour, and I suppose I was filled with righteous indignation. Apologies to whomever I spoke to that day. 

Im not an irresponsible XXXX pay my debts, and am diligent and courteous, and its not about the amount there was no customer service and no willingness on comenitys part to try and find a reasonable solution to a simple external problem. 
Funny enough The card did arrive two months ago, with the wrong address, and multiple forward stickers. This process has been tedious and infuriating. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2017, I went to XXXX XXXX to make a purchase because I had gotten some coupons in the mail ( which can only be used IF you use your XXXX XXXX card ). Knowing that I had not used the account for a while I went to the store with the only XXXX XXXX card I had. the sales rep that helped me throughout my purchase ( I am sure she was getting commission for the sale and anything else that happened ) asked me for my XXXX XXXX card, which I gave to her. She ran it through and said the account was not active. I told her that I knew that I had an active account because I was still receiving the coupons and I had made a purchase within 6-12 months but I did n't recall exactly. The rep advised that she could not find any active accounts under my name and asked if I wanted to submit an application for a store card so I can use my coupons ( 25 % off sale ). I said yes. As soon as I completed the application on the pin pad, the sales rep tells me " I found your account! '' printed a day-pass ( that acts as a bar code for my card ) and said that if I had n't received a card for this account to call customer service for it, which I never received the card. What seemed to me was a weird transaction became even worse when I received an adverse action letter from XXXX XXXX credit advising that I was not approved " because I already had a XXXXXXXX XXXX account and I could not have 2 open ''. I called XXXX XXXX credit, advised of the entire situation. The issue is, that if the sales rep would have completed their due diligence PRIOR to the application, I would not have submitted it and I requested XXXX XXXX to remove the credit inquiry. The rep on the phone said no, because I submitted the application, which is n't the issue. It seems, that the rep does not understand the concept of Unfair and Deceptive Acts in order to have a customer submit a new credit application ( when in fact it was not needed! ). I know the sales rep got commission for my purchase, but also makes me wonder if they get credit for submitting credit applications. Again, if the rep would have reviewed my profile thoroughly BEFORE making me submit an application, she would have found my ACTIVE account and the application would not have been needed. I believe this is negligence on the XXXX XXXX rep side and because of it the inquiry should be removed. They are in clear violation of UDAAP by not doing their due diligence in finding my account before they made me submit the application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The Bluebird company suspended my account for no reason at all.The only thing I was trying to do was to add cash to the card via my XXXX XXXX bank account. And then later I got a email says that I am permanently suspended.My Bluebird account has XXXX $ in the account now its frozen for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-06
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: Public record information inaccurate

Complaint:
I have a Bankruptcy Chapter XXXX listed on my Experian, XXXX XXXX and XXXX reports. 

I have not filed a Bankruptcy within the last 15 years. 

I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my reports.

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 2018-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to obtain my credit reports for years and I am always told they are unable to provide them to me. Each time I am either given an incomplete report or referred to requesting the reports through the mail at substantial costs. I am simply asking for something that everyone else in the country is entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Genesis FS Card Services, Inc.
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I believe this is credit fraud since i did not filled the application or requested anything to do with this credit card company ; i should not have to pay anything on this card. I did not request or activate this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We received a bill from XXXX XXXX in XXXX IL regarding a medical bill for visits. We eventually paid this amount using a XXXX/XXXX account. In or around XX/XX/XXXX we received a note stating the bill was sent to collections and we had 30 days to dispute. I immediately called Pro Com Services of Illinois Inc. and stated that I was disputing the validity of this debt because it was paid. The representative told me to get the dates of payment and she would check with the original debtor. She advised that she would contact me back. Assuming that valid or invalid we would receive at least a decision letter, I forgot about the debt completely after not hearing about it for months. Finally in XX/XX/XXXX while attempting to get pre-qualified for a home we found out that they had reported it to the credit bureaus the day or so before. The XXXX/XXXX provided the following information as well : Check XXXX was paid on XX/XX/XXXX and cleared the bank on XX/XX/XXXX in the amount of 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 2017-07-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Wells Fargo Bank kept charging late fees on car and personal loan. They actually and admitted to takingpayment in drive through window. Never applying payment ... found money order in draw six months later. They have also applied payments late that were received on time through mail. Never applied a cash payment made through window at XXXX New York Branch. Applied payments to wrong account. After this they repossessed car even though I tried to fix what had been done. Asked for loan modification for six months. Not sure if they set up phony accounts they will not help me.
Had to file for bankruptcy because of above. I kept trying to avoid late payments by direct mail or going through drive through it never seemed to work.

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 2020-02-26
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
In and around XX/XX/XXXX, I wanted to upgrade my American Express Delta Platinum card to the Delta Reserve Card. I went to a web site link for Delta Reserve. It directed me to log into my existing American Express account. I followed all the prompts. One week later I receive my new Reserve card. It was a different number. I destroyed my existing Platinum card. When I received my new card, I followed instructions to link my new card to my American Express account. I expected this would link my account and transfer all information over to the new card. 

In and around XX/XX/XXXX, I got an email notification that my monthly statement was available. When I logged in, I noted that all my usual monthly charges were not in the statement. I called American Express to inquire. I was also charged a 2nd annual fee. {$450.00} when I just paid an {$190.00} fee back in XX/XX/XXXX. I expected a prorate fee charge for the higher tier but not an all new fee. At this time, I realized I now had two AMEX accounts. 

Over four days, American Express told me that I applied for a new card and would not resolve the issue by reversing the transaction or even backdating the change. 

I told American Express that I wanted to upgrade only to the next tier card. They could not reverse the transaction because they emphatically claimed I applied for a new card. I told American Express that at no time did I fill out an application that would require me to provide a social security number, birth date, address, income and other information that a new application for a new card would require. 

This American Express process is very deceptive and it is forcing me to still pay a higher fee than I would have if the card would have only been upgraded. I also filed a complaint with American Express claiming deceptive processes to get me to take a 2nd credit card and 2nd annual fee that I did not want. 

If any questions, please let me know. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
My studentaid.gov account shows i have 6 college loans, 4 to XXXX XXXX of California - XXXX XXXX, and 2 to University of XXXX. My studentaid.gov says 2 of my XXXX  loans were canceled and never dispersed. 

Navient is/has been charging me for 4 XXXX XXXX loans, the 2 unknowns, have much higher interest rates. 

My 2 XXXX  loans on my studentaid say I owe {$13000.00} ( dispersed XX/XX/XXXX ) My 2 XXXX loans say I owe - {$11000.00} About the same for about the same time period, even though one was shorter and out of state tuition ... 

But there are these two other XXXX XXXX loans that were " given '' to me : 1 ) XX/XX/XXXX 1 month later for {$24000.00} and 2 ) {$3700.00} " given '' to me XX/XX/XXXX, 4 months AFTER the other 2 XXXX XXXX Loans were supposedly canceled. 

I have no idea where these other loans came from, and only recently noticed, because ive been trying to rebuild my credit and take better control of my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: EQUIFAX, INC.
State: NC
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:
In XXXX of 2017, I noticed a collection from XXXX for {$590.00}. I had to leave my home due to a divorce, and my husband never gave me my mail so I didnt know a medical debt existed. When I discovered on XXXX I paid it immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The reason I am filing this complaint is due to the fact that Shellpoint Mortgage Services as failed to provide me with the modification denial letter. I was advised by Shellpoint Mortgage after 14 months of review on XX/XX/XXXX that we were denied for the loan modification due to a number of factors. As of today XX/XX/XXXX I have yet to receive the letter. I have spoken with my Single Point of Contact on a number of associations and was first initially advised that I would receive the letter by mail in a few days. I followed up several times to only find out on XX/XX/XXXX by XXXX XXXX that the letter was not generated due to internal system error. She stated the file was closed out before the letter was generated however ; that the letter would be generated within 24 hours at which point she would fax a copy. I have contacted XXXX XXXX on a number of occasions and was only able to leave a voice-mail. Failure to provide the denial letter has impeded on my legal right to appeal this denial should any information within the content of the letter is incorrect. Shellpoint has exhausted over 3 weeks and now only leaves with me with a few days to appeal. In accordance with the Homeowner Bill of Rights Act, I was to receive a denial letter along with a 30 day right to appeal and Shellpoint has relinquished this right due to failure to generate such letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation