BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After my identity became compromised unauthorized accounts haunted my credit file. Not one of these accounts I authorized and got in business with, This account " XXXX XXXX XXXXXXXX ", Im demanding it be blocked and immediately removed from my file. There's no agreement with either company, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, in which you and/ or your companies can produce any written binding physical contract or / any other instrument of me agreeing to any business with the above companies. Therefore, please remove account immediately. 

1 ) 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 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Look into BBVA, they merged with simple and moved all accounts to BBVA accounts, no one has been ablke to get access to our bank acocunts in over 4 DAYS!!! This is a class action lawsuit waitin g to happen. They told everyone we'd still have access to our accounts, please please take this seriously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: ONLINE Information Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have a credit card with Chase Bank, and I received a letter yesterday ( XXXX XXXX, 2017 ) presumably from Chase Bank. The letter is dated XXXX XXXX, 2017. 

Yesterday evening, I called the number listed on the letter because I wanted to know more about the matter the letter speaks of. The letter states that someone other than the primary card member tried to get information about my account, but the letter does n't provide any more specifics about who tried to access my account. So, I called to follow up for security purposes. 

When I called the number, it sounded like the Chase automated system. It asked for the last four digits of my account number ( I just provided the account numbers listed on the letter ), and then, it provided me an overview of my existing credit limit ( which sounded somewhat accurate ). I was then directed to a female customer service representative who listened to my inquiry, and then, she directed me to the " financial services fraud team. '' I spoke with a man named XXXX, and he gave me his employee identification number. He then asked me for my date of birth, my mother 's maiden name, and the last four digits of my social security. When I provided the information, he said the information was n't correct, and he asked me to repeat the information. When it did n't work again, he asked me to repeat it. I became frustrated with having to repeat myself, and he said that he just needed to verify my account security questions before we could proceed. I started to become concerned this was a scam so I hung up. 

I called the number listed on my Chase credit card to report the incident. The representative I spoke with said no letter was sent to me on or near the dates in question and that the number the letter provides is not a Chase number. The representative also told me that the account number was not my credit card account number. The representative told me my account has not ( yet ) been compromised and asked me to email a copy of the letter, which I did today ( XXXX XXXX, XXXX ). 

I submitted a fraud complaint with the FTC as well ( Reference No. XXXX ), and the FTC website indicated that I could also submit a request to the CFPB. ( I love XXXX. XXXX! ) I 'm happy to provide the CFPD with a copy of my letter and envelope to help resolve this investigation. I have dealt with the Chase Fraud Team before, and I am skeptical of their ability to promptly follow up on security fraud issues. 

I found this scam to be particularly alarming. I am used to receiving scams by phone, cellphones, or text ; I have never received a scam using letterhead of an official, nation-wide bank. It was very convincing. 

If you have any questions, please contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Recently I received the attached mail from XXXX XXXX XXXX XXXX stating that the ELOC is attached to the primary account showing that it has No separate account number when in fact also the origination date they show is XX/XX/XXXX when it is documented as XX/XX/XXXX not XX/XX/XXXX. These are two separate accounts!!. JP Morgan Chase needs to stop trying to attach the two when they already know that the primary account is bogus and now trying to attach it to the ELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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:
My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing a Notarized affidavit, Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I reached the standards for Blocked and Removed information on my credit report under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Hello, I currently have a credit card with TD Bank, for XXXX. I normally buy a phone every 2 years and use this credit card. Well the last time I purchased a phone, when I went to put in my information it asked for all my personal information. So I called XXXX and they told XXXX was fine and my account information would be " linked '' to my current account. So this time when I tried to purchase my new phone, I filled out the information and then was alerted that my credit was run. This is now a hard inquiry on my credit report and now have 2 accounts with the company. I called the company, and was told I applied for credit. I explained the previous experience and how I didn't understand how I would have two accounts from same company. The representative couldn't explain and said they can close the new account and see if I'm eligible to raise the existing accounts credit limit. I was given no other option, I'm at a lost for words how this can happen. I was upset and asked how does this happen and the representative basically didn't want to get into the conversation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
Company: General Motors Financial Company, Inc.
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My car was repossessed and then I paid the amount past due, next payment due and all fees totaling {$2100.00}. Bringing my acct completely current on XX/XX/XXXX. This included my XX/XX/2019 payment. 

Then 2 days ago I got a call saying my acct was past due for XXXX and XXXX. I had this investigated and the result was the system is applying payments incorrectly and they don't know why. It can not be fixed so they offered me a deferment of the 2 payments. I took this deferment so my credit isnt adversely affected any further. However, i paid XXXX payment already. Now I'm expected to pay it again at the end if the loan at 18 % interest. 

Their computer system is wrong and they are aware and not correcting this. 

How many other people has this happened to and how much money ate they making on interest by applying payments wrong. 

This is a major violation of the consumer rights! Please look into this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: SYNCHRONY FINANCIAL
State: AZ
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:
In XX/XX/XXXX I pulled my credit report from XXXX and noticed an account listed as " Joint Account '' for SYNCB/CARE CREDIT. I have never been had a Joint Account with anyone other than my husband. I called and found out that this account is for Dental or Medical, I have always had full Medical and Dental Insurance through my husband 's employer, XXXX and would not need to have an account with Care Credit. My husband passed away in XXXX so I have no way of asking him if he knew anything about this account. I wrote to XXXX asking them to investigate this account because I am sure I never opened the account. Received the XXXX response to my request which was, " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' The report showed who the account holder is and I do know the person but I never opened the account as a joint holder with this person who used to work for us on and off and she moved out of state. This account was opened fraudently without my knowledge. The account holder could cause my perfect credit score to downfall or could open other accounts with my information since she apparently had access to it at one time.

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 2021-03-25
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Step 1 : What is this complaint about?

The mortgage company is messing up my credit score Step 2 : What type of problem are you having?

Autopay feature did not work due to their website change Step 3 : What happened? 
On XX/XX/XXXX I went online to make my mortgage payment ( early as usual ) and the website was down I was told they changed their website and I had to make a new account so I made a new account and set up autopay, autopay was scheduled for the first of the month but since I had to make a new account the auto pay took time to update and i missed XXXX payment, the website officially was launched on XX/XX/XXXX so there was no way I could have made an account and scheduled auto pay and have time for the update. I was unaware that auto pay was not working because on my end the website clearly states that my autopay is on and was scheduled for the next due date. All I want is for them to acknowledge that them changing the website at the end of the month caused my auto pay not to go through and I had to make a new account and set up auto pay again and it was impossible for it to go through and that the website told me it was set up and registered on XX/XX/XXXX so it is not my fault they didn't take the money out and that they need to refund the late fee and fix my credit score. I can pay them, I have never been late on any payment ever and this is obviously a technical error but the customer service says all they can do is wave a late fee but can't fix my credit score, which suffered drastically!

Step 4 : What company is this complaint about? 
Amerihome mortgage Step 5 : Who are the people involved? 
Loan servicing department and customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CREDIT ACCEPTANCE 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: Account status incorrect

Complaint:
Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of Covid 19 and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.

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 2022-03-30
Company: SECURITY FINANCE CORP
State: LA
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:
On XX/XX/2022 I received an alert from XXXX stating that I had an inquiry at Security Finance. I did not visit this business nor did I speak to anyone on the phone concerning a loan. When I called to see why my credit report was obtained, I was informed by the manager that she mistakenly ran my credit. I'm not exactly sure how someone can do this by mistake because an application has to be completed in order to apply for a loan, and my social would not have been on this application because I never completed one. She informed me that the she had to contact her supervisor to get the inquiry removed. I filed a dispute with XXXX and the result was that it was legitimate. They did not even contact the company, yet told me that I had to contact them to get it removed. Here we are nearly a month later and this inquiry is still on my credit report which has decreased my score.

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 2021-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have fallen victim of identity theft as a result of the 2017 XXXX breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts. I have tried countless of times to call XXXX to no avail. Their website is down and I am unable to properly dispute on their page. They're responsible for my 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 2021-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a payment on XXXX to pay balance in full ; however, despite balance posting on both my bank account and credit card ( both Capital One ), that there is a hold placed on my available credit ; however, again the payment has posted on both my bank ( on XXXX ) and credit card ( on XXXX ) statements. contacted representatives from both banking and credit card ( specifically Walmart card ) lines of business ; however, was advised by every representative I spoke to ( some were nice and trying to be helpful, others were super rude and condescending ), that there is a 10 day hold on my payment, which does not make sense and is unacceptable considering the payment has posted to both accounts. The company ( Capital One ) should grant access immediately to my available credit, as I have made the payment, and payment has posted both from my checking account and credit card statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have fallen victim of identity theft as a result of the 2017 XXXX breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: BARCLAYS BANK DELAWARE
State: IL
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: Overcharged for something you did purchase with the card

Complaint:
I've tried to contact barclays about a purchase made on XXXX XXXX XXXX  from XXXX XXXX XXXX and couldn't be helped by this company. I made a purchase from XXXX and the business later on sent me an email saying that an error had happened and one of the items I've order was out of stock but didn't show it on the site. I then had them cancel that item for {$7.00}. After multiple contacts with the business, they all told me they see the mistake they had made, which only gave me a partial refund of {$2.00} they said they would fix it. Weeks went past as I watched my credit card statement and no correct refund was applied, I kept contacting them ( 3 times in all ) and each person told me the same thing, that they see the mistake on their side but is refusing to correct the issue maybe in hopes I'll give up so they can scam me out of a few dollars like maybe others. Well today ( XXXX ) I've tried to contact barclay and they too are refusing to help me get my refund back of {$5.00}. Sad that no one can assist with a {$5.00} refund and I have to come here.

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 2021-08-05
Company: Experian Information Solutions Inc.
State: NC
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:
There is some arr, s on all three credit bureaus XXXX  and XXXX  and Experian XXXX XXXX XXXX, s all three collage, s over charged me for class, s I did, t take and one of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at XXXX XXXX in XXXX and at XXXX XXXX XXXX  online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, s that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, s and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, s XXXX  XXXX XXXX  onlne.

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 2019-05-14
Company: Experian Information Solutions Inc.
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:
Dear Sir or Madam : I am a victim of identity theft. The accounts listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX {$720.00} XXXX XXXX {$740.00} XXXX XXXX {$5300.00} XXXX {$10000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX A {$2800.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX {$38000.00} XXXX {$8500.00} XXXX {$3000.00} XXXX {$2500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I have filed a police report. Here is that information : XXXX County Sheriffs Office ( XXXX ) XXXX Deputy XXXXXXXX XXXX XXXX Police Report : XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX DOB : XX/XX/1984 SSN : 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 2019-10-14
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were awarded {$100000.00} by the Nevada XXXX XXXX XXXX on XX/XX/, 2019, Quicken Loan advised us that they received the funds on XXXX XXXX, 2019 however the company still has not connected us regarding recast or how the {$100000.00} has been applied to our account, Quicken has not sent any letters stating that the foreclosure process has been stopped, we have emailed and called several times since XXXX XXXX, 2019 requesting to know what our new mortgage payment will be, on XX/XX/, 2019 we receive a letter in the mail from Quicken stating that our mortgage payment has not increased but has now increased to {$1900.00} from {$160000.00}, no explanation has been given as to how the money that we awarded has been applied to lower our monthly mortgage payment, we can no longer wait to hear from Quicken because we received a letter earlier stating that foreclosure proceedings will continue unless the past due amount on our loan is brought current, there is no way that we can pay {$1900.00} when we struggled to pay {$1600.00}, we keep calling and writing and Quicken keeps sending us letter about their Application for Success program, no told Quicken twice that we only want to move forward with the Nevada XXXX XXXX XXXX, our mortgage appears to now be on the dual track towards foreclosure.

Company response to consumer: Closed with explanation