BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-08
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I was charged fraudulent amounts on XX/XX/XXXX in the amounts of ; {$73.00} - XXXX XXXX XXXX XXXX {$5.00} - XXXX XXXX {$100.00} - XXXX {$26.00} - XXXX {$240.00} - XXXX # XXXX New York {$200.00} - XXXX # XXXX New York {$250.00} - XXXX XXXX XXXXXXXX XXXX {$100.00} - XXXX I reported these fraudulent purchases immediately (XX/XX/XXXX @ XXXX ) and immediately canceled all cards associated with my account and reported cards as lost/stolen On XX/XX/XXXX, I filed a police report with the XXXX Police Department reporting identity theft ( XXXX << REPORT NUMBER ) I submitted this report to netspend immediately via their online reporting function. 

On XX/XX/XXXX I receieved a notice from Netspend that they had received my report and were provideing a provisional credit to my account ( XXXX << REPORT NUMBER ) in the amount of {$340.00} OnXX/XX/XXXX I receieved a second notice from Netspend that they had received my report and were provideing a provisional credit to my account ( XXXX << REPORT NUMBER ) in the amount of {$550.00} On XX/XX/XXXX I  recieved a notice of resolution from Netspend stating that they found no errors in charges and that they would be crediting OUT the provisional debits by XX/XX/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 2018-12-05
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 fraud alerts or security freezes

Complaint:
Starting on XX/XX/18 I attempted to get in touch with Experian to lift a credit freeze I placed on my account. There are no options available on their phone system to lift a freeze, only to place one.  There is no option to reach a human being on their phone system either. I checked through all of the options. 
I attempted to do this online it it told me that it was unable to process my request at this time and to call the same number I already called, which gives no option to solve the issue that it can not be processed online at this time. it also gives no ability to contact a human being. 
Last week and this week I attempted to do this online several times with the same result everytime. I attempted to try it through their phone system multiple times. 
Eventually I gave my information to the the Experian phone system option for Fraud Alerts because I thought they would call me back. Instead it automatically placed a fraud alert on my account and notified both other agencies of a fraud alert too!! 
Do you know how much trouble I am going to have to go through with all of my financial institutions with a fraud alert! 
Seeing as these credit bureaus have absolute power over anyone 's use of credit, bank accounts and any money transactions not made with cash this is unbelievable that they can get away with giving you no way to lift your credit freeze and then also no way to stop this fraud alert. 
I sent two emails to the Experian customer support address with no responses at all. 

This disturbance to the financial, mental and emotional well being of a person because Experian takes no real responsibilty in making access to actual customer service to deal with these issues. Yet they have full power to enact a fraud alert without confirmation and keep a credit freeze that is not desired. 

How can a company with this much power over our lives ( your 's and mine ) be allowed to operate in such a way that you can not contact a person at all to address such issues. 
They can lose all our personal information so we all have to live with freezes on all our credit to protect ourselves and lift them temporarily as needed and yet offer no way to contact them in real time whatsoever. 
I can not believe there is anyway in the world you are not getting 1000 's of complaints related to similar issues with the ability to contact and resolve issues with Experian. 

This does not seem like it should be a legal business practice for Credit Bureaus. 

Thank you XXXXXXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: MD
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 been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable and needs to be removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
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:
I have been fighting to fix my credit report, after someone used my identity from a security breach to open up accounts and get loans under my name. I have been battling with all the credit reporting companys to remove these accounts, and improper information on my credit report. I have credit inquires that are still being ran in my name, after I told each credit reporting company and sent proof of me being a victim of Identity theft, and sent a Identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On or about, XXXX XX/XX/19, I received a letter with a cashier 's check in the amount of {$2900.00} made payable to myself from XXXX XXXX XXXX XXXX XXXX. I confirmed receipt of this check via text to number XXXX. Prior to receiving this cashier 's check, I received another text from someone named XXXX XXXX cell number XXXX. This 305 text indicated the following : " Hello, the envelope containing your first task will be delivered to your house today/tomorrow vis USPS regular mail. Please send a text message to XXXX when you receipt of the envelope. XXXX XXXX ''. 

I currently do work part time as a mystery personal shopper so I thought this was another XXXX that I applied to in the past. 

Upon receipt of the cashier 's check, I deposited it in my TD Bank in XXXX XXXX NJ on XX/XX/19. As per the bank, the cashier 's check cleared XX/XX/19. I informed contact XXXX via text that the check had cleared as per their instructions and I was assigned a task. I made sure with 100 % certainty that this cleared before proceeding further. I was assigned to buy 2 {$1300.00} XXXX gift cards. I did that on Friday XX/XX/19. I then was instructed to purchase a money order for {$20.00} and a cashier 's check for {$20.00}. The first made payable to XXXX XXXX and the latter XXXX XXXX XXXX Today XX/XX/19, TD Bank informed me that this cashier 's check bounced and that I am responsible for the funds of {$2900.00}. I relied upon TD Bank 's complete disclosure that this check cleared on XX/XX/19 ; otherwise, I would have never proceeded with these purchases. Today XX/XX/19, a TD representative told me that the routing number looked wrong but they deposited it anyway. TD Bank represents themselves as a leader in banking and me, I'm a consumer. I relied upon their experience and expertise in this industry to protect me the consumer from fraudulent activity. They did not. TD should have never cleared this check on XX/XX/19 without confirming the validity of the check. They do this every day and should be held accountable to a higher standard of care. They now are claiming that it is not their fault and that I have to take the hit on these funds. Yet, if my credit card was hit by fraud, TD would cover it. It's the same thing. We as consumers rely on banking to protect us. I want my money back in the amount of {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: General Motors Financial Company, 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:
I've noticed a few inquiries from companies that I have no knowledge of. I currently won a judgment from a creditor. Because they allowed someone to purchase a vehicle under my name without the proper identification. I've called both the bureaus and reporting companies. Nobody seems to want to follow up with this even after providing them documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: JPMORGAN CHASE & CO.
State: IN
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:
I gave chase my bank account number to pay my bill and they wouldn't accept it, they told me they had a different number with my account. It turns out they were charging another member at my bank. I dont know how this happened, my bank told me they had no idea how chase got the other members account number. I had to reimburse the other member. My bank told me that it was an error on chase 's part. I talked to chase and they acknowledged their mistake but told me they couldn't remove the missed payment from my credit report. They told me to dispute it on my credit report if it showed up. I tried multiple times to make a payment after my automatic payment was returned on XX/XX/19. They wouldn't accept my attempts to pay. They corrected the account number for future payments but that's it. I really need this resolved as I'm trying to build my credit. I never wanted to miss a payment, it was their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I wrote the Check # XXXX to XXXX XXXX in Oregon. I did ask the Title Co. for the Check refund on XX/XX/XXXX but they said that they have never receive it. Called Wells Fargo on XX/XX/XXXX. They said, that the Check was cashed on XX/XX/XXXX and canceled my Acc. and opened another one with different #. They said that they will refund my $ XXXX.-. Today I have spend over hour on the phone with one of their department after another, always talked to supervisors but it seems to me that they are not willing to refund my $ XXXX.- at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi, i applied online on the citi bank site for the citi double cashback card..but citi bank improperly used my credit score and pulled it two times one from CBNA and other citibank na.. i don't understand why two score pulls for just one simple application. ..and would like to dispute both the charges. 


Inquiry CBNA XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE CBNA XXXX XXXX XXXXXXXX XXXX XXXX, SD Bank - credit card Inquiry CITIBANK NA XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE CITIBANK NA XXXX XXXX XXXXXXXX XXXX XXXX, SD National Credit Card Cos.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: ReliaMax Holding Company
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed XXXX dollars from max lend, to be paid back in installments, XXXX each month, well I have paid back over XXXX dollars monthly and to get the loan paid off they want XXXX in addition to pay if off. That seems exhorbitant to me! I already paid what I borrowed and I am willing to pay off an additional XXXX if that will close the loan but they want an additional XXXX to what I have already paid. I did not realize that when I borrowed the original XXXX dollars. I was strapped as I am retired and had an unexpected expense.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-04
Company: ENCORE CAPITAL GROUP INC.
State: WV
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:
XX/XX/XXXX charged off a credit card. 

the XX/XX/XXXX credit report shows this. 

XX/XX/XXXX and XX/XX/XXXXcredit reports have this same account listed as being in collections ... .two collection agencies ; XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX, XX/XX/XXXX these companies are one and the same I spoke to them both about the account being charged off/FCA and being the same agency ... .different names ... fraud ... ..they hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened my account with Bank of America, the account was approved and I received the account number in the email. When I received the debit card in the mail and tried to activate my card with the company, they company then told me that my account was closed and refused to do business with me. They did not tell me the reason, and I have appealed this to the closure department, as well as to their social media team, but I did not get any answer. I have a great credit report and I think Bank of America is discriminating me. They even say that I would never be able to open an account with the company ever again without giving me a chance to resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Selene Finance LP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently applied for a loan modification with Selene Finance because I missed payments due to a lengthy XXXX period.I have since regained employment but with decreased compensation. I was hoping to receive a forbearance and/or reduced interest rate to reestablish regular payments. I was just told via phone my modification was approved but with a mortgage payment increase of {$500.00} and if I didn't make the first payment ( {$2800.00} ) within two weeks ( XX/XX/XXXX ) Selene would resume the foreclosure process. I explained I would pay but would need to XX/XX/XXXX to realistically come up with this extreme payment and since I haven't even received the offer in writing in the mail to review or sign how could I be prepared for such an amount or know the terms. The customer service department stated the investor on my mortgage will not give any more time. I have researched this loan servicer and they have hundreds of complaints regarding working against homeowners so the investor can foreclose and profit on the resale of homes. They're expecting me to send in a payment without even seeing the terms of my modification which seems very fraudulent. All i need is to be able to review the terms or this modification or repayment and be given a reasonable time to make my first payment. Please assist in making this company accountable for their bad mortgage practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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:
filed ftc police reports several complaints sum items still showing as closed please remove all item s i requested

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 2020-06-30
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am still waiting to resolve my dispute with Fedloan regarding my identity theft application however, upon further review of my account online 2 of the 3 loans are showing up as cancelled disbursements. 2 of the student loans show the disbursements were cancelled yet I have still been responsible for the entire  balance of all these loans and when I asked Fedloan for further info they havent addressed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
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:
Around XX/XX/2019, I contacted XXXX  XXXX XXXX as well as XXXX  to remove the old accounts that XXXX XXXX, XXXX, and XXXX XXXX XXXX is claiming that my info is still valid. All these accounts were opened more than 7-10 years  ago and they should have been removed from the time they were first opened. XXXX, XXXX, and Equifax must remove old accounts that have run their legal statute of limitations and they can not keep this derogatory information on my credit report forever and damage my credit score! I can not move forward with my life and get new credit because of their false and detrimental reporting. Please help me in removing these old accounts, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt was reported to the credit bureaus by this company and/or their affiliates that is not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Information and inquiries reporting on my credit that I have no knowledge of. I've been a victim of identification theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: FC HoldCo LLC
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:
I've noticed a few inquiries from companies that I have no knowledge of. I currently won a judgment from a creditor. Because they allowed someone to purchase a vehicle under my name without the proper identification. I've called both the bureaus and reporting companies. Nobody seems to want to follow up with this even after providing them documents.

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 2018-07-14
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: Was not notified of investigation status or results

Complaint:
I was notified by a credit alert from XXXX  about a flagged account being placed on my credit file. I immediately called XXXX  to dispute as fraudulent and within 3 hours the account was deleted. I also informed XXXX and they removed the account as well. My issue is with Equifax and they way they takse its customers personal information for granted. I have called and get a run around, I have sent certified mail to get no response and havetried disputing online and than to be told my information does not match what they have and Im directed to Equifax Web mail to submit my dispute. Submitted this dispute over a week and half ago with confirmation number through Equifax Web mail. Every time I call to get a status update Im told the confirmation number was not found. I have literally had it with this company. I have been unsuccessful trying to get this fraudulent account removed off my credit file. I have complained to my Attorny General but seems like the process is in limbo. Equifax does not protect consumers and they make it impossible to veiw, dispute or check a dispute online or by phone. I am sick and tired of getting a run around about my credit and it should never have come to this. This company does not protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: EQUIFAX, 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:
state of Maryland XXXX  claim I went to there school I was a XXXX XXXX and sent to XXXX. how can I go to school. they said XX/XX/17 acct XXXX ... ... I took a loan. this is a lie. if I don't pay. they said that there the state and they can get whatever they want. there is no way to remove a student loan if you owe it or not. I must pay it threatened me to say I'm responsible and they will continue to ruin my credit. they threatened to ruin me they don't care if I was in XXXX  they just want there money. please help me. I need my XXXX

Company response to consumer: Closed with explanation