BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-03
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hi I am having an issue with XXXX XXXX XXXX XXXX. Due to what theyre calling a system glitch my account was charged an unauthorized charge of {$100.00} causing my account balance to display - {$84.00}. They offered nothing but Im sorry for the inconvenience and other customer service level excuses. This is an unauthorized charge that Amex removed from my account without permission. This transaction took place on XX/XX/XXXX and they said cant be returned until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law the discharged/dismissed Chapter XXXX bankruptcy listed does not include this information and should be deleted from my credit report

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 2019-10-22
Company: CCS Financial Services, Inc.
State: DE
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:
On XX/XX/2019, XXXX reported me to collections on an account that was paid in full on XX/XX/2019. I contacted both XXXX as well as the collection agency ( then ) Credit  Collection Services to advise the debt was paid in full with receipt. I was promised at that time the debt would be removed with apology. Fast forward to XX/XX/2019, I received a collection notice from XXXX XXXX XXXX for {$370.00}, the same amount paid on XX/XX/2019. I again called XXXX as well as the collection agency both again apologized and promised to resolve. My concerns with this is the account should have never been placed for collections at all since it was paid in full prior to XXXX electing to place me into collections twice for the same account. I do not trust neither believe in the process of XXXX as they have failed to resolve this matter accurately and appropriately. I am seeking assistance and guidance in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, JP Morgan Chase received my pay off amount of {$19000.00} for the lease buy out ( lease XXXX ) of my XX/XX/XXXX XXXX XXXX XXXX XXXX VIN XXXX As of today XX/XX/XXXX, I have yet to receive this title. I have called Chase numerous times and they always tell me they either don't know where it is or that I should get it soon. 

This is unacceptable service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted to have a fraud alert removed from my credit file. I have never requested a fraud alert to be placed on my file and my constant requests for the removal have not been addressed. I have made several attempts and there is no live contact with XXXX. I submitted the request in writing and the alert has still not been removed. I attempted to submit the request online but the system shuts me out and gives me an error message.

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 2018-02-13
Company: Experian Information Solutions Inc.
State: NJ
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:
There is a credit account showing up on my credit reports that don't belong to me. The account is XXXX with a balance of {$8000.00} this account doesn't belong t me and needs to be removed off of my credit report.

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 2019-10-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I received a call on XX/XX/2019 stating lawsuit would be filed against me in XXXX County for debt, and attempting to defraud a financial institution. 

They also called my father on XX/XX/2019. 

I called back number XXXX where I was told they would need to speak to " in house counsel '' to see if I could have a " deferred lawsuit '' since I am out of work on short term XXXX. They arranged payments of {$160.00} to pay off the almost {$700.00} owed. 

I did not research until after speaking to them and providing my debit card info that this was likely a scam or illegal for them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Deposited a cashiers check for {$40000.00} from XXXX XXXX into my Bank of America checking account on XX/XX/2018. Bank of America will not honor the cashiers check and is holding my funds until 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 2018-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Id like to dispute a late mortgage payment from XX/XX/2015, a XXXX card and XXXX   card all from the end of XX/XX/XXXX.

I made these payments through the XXXX XXXX XXXX   portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact XXXX XXXX XXXX and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure XXXX XXXX XXXX  records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX  but I would like to have these marks corrected.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Sallie Mae opened 7 accounts for XXXX AND XXXX XXXX where I'm listed as a cosigner. 
The borrower 's mother asked me to cosign for ONE loan. I talked to the borrower over the phone, she asked me some information and said she'll show me the application to sign, which she never did. 
The borrower 's income on the application is {$13000.00} and she got approved by Sallie Mae for a lot more than her annual income. 
False information about me includes my income, my address, my e-mail address ( it's hers ), my monthly mortgage, my citizenship status, my assets, my employer phone number, and in the last application my cell phone number, etc. 
She continued using my social security to obtain loans for herself and, later, for her sister making up information without my knowledge, permission or authorization. 
Sallie Mae is refusing to investigate the fraud, and take me out of the loans they approved without verifying the information. 
There's a lot of made up information about my self that Sallie Mae could've used as red flags to deny further loans.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I recently had fraudulent activity with one of my checking accounts. Unauthorized use of the debit card was tracked to Florida. USAA Customer Service stated that the unauthorized user called and obtained information to access my online account. With information, provided by Customer Service, the unauthorized user accessed my online account and transferred the entirety of joint checking and joint savings to my personal checking account. While in my online account, the unauthorized user changed the withdraw limit and PIN number before withdrawing the entirety of my account balance via my personal checking from an ATM in Florida. It only took USAA about a week to return the funds, but now I have been locked out of my account since. They keep transferring me from one department to another, dropping my calls and every time this happens you have to start the whole phone call process over again. Now every time I call they tell me that a Escalation team member will have to call me back in XXXX hours to verify my identity. I have yet to have a call back and it has been about 3 weeks now that this mess has been going on with no resolution. I need access restored to my accounts immediately. I have late fee 's, over drafts, bills to pay, and a mortgage. I do n't know what else to do. This is causing XXXX on a XXXX veteran. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my information to open an electric account. It was XXXX XXXX and account was sent to collections on XX/XX/2020 for {$610.00} collection company MRS BPO LLC, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I reported identity fraud with the police, XXXX XXXX XXXX 's Office Case # XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: NJ
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 a victim of identity theft my information was exposed in the equifax breach. 
I have fraudulent accounts reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Id like to dispute a late mortgage payment from XX/XX/XXXX, a XXXX card and XXXX   card all from the end of XX/XX/XXXX.

I made these payments through the XXXX XXXX XXXX   portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact XXXX XXXX XXXX  and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure XXXX XXXX XXXX records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX but I would like to have these marks corrected.

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 2019-05-29
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear CFPB, I desperately need your help in this matter with Equifax. Please help me, I would like to put another complaint on Equifax, I have been disputing items on my credit report since XX/XX/2019. FIRST, I would like to say each time I open a dispute my credit takes a 70 point decrease just from opening a dispute almost as to discourage me and being punish for opening a dispute. Second, Im really getting sick of the stall static that this company continues, I have received a letter that says that Equifax was not able to find me in your database, and that I need to send a valid social security card and a statement with proof of address. 

I have made copies of my previous letter and my last letter send out on XX/XX/2019 I also have attach the documents I have sent to prove my identity from my previous letter # 3 and letter # 4 each time. I have sent a COPY of my S.S card, COPY of my driver license, COPY of my check stub and even a COPY of my XXXX  XXXX bill and XXXX online statement. Only to receive a letter from your company suggesting I did NOT send the correct forms to prove my identity. When that is just a plain lie, my complaints have remained OPEN with absolutely NO response from your company. 

Complaints submitted on XX/XX/2019 OPEN COMPANY RESPONSE IS IN PROGRESS SINCE XX/XX/2019 on XX/XX/2019 OPEN COMPANY RESPONSE IS IN PROGRESS AS OF XX/XX/2019 on XX/XX/2019 OPEN COMPANY RESPONSE IS N PROGRESS AS OF XX/XX/2019 it is now XX/XX/2019 and NOTHING has been done. 

Equifax has been unable to solve and answered complaints but you they have time to send a stall tactic letter? 

Enclose : are my original scan paper work that I already and always have sent to Equifax, please see for yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Experian Information Solutions Inc.
State: FL
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:
To whom it may concern, this is my third attempt to correct my credit report due to fraudulent information reporting. XXXX and Experian have violated my rights under the FCRA and have refused to properly investigate my dispute.

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 2020-08-29
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 sent documents proving some information on my credit report didn't belong to me, including a court order to have the information removed, and it still appears months later after multiple attempts to have the incorrect information removed by XXXX XXXX XXXX TransUnion. 
Specifically, any and all accounts listed from XXXX XXXX XXXX should be removed. 
Specifically, any and all Hard and Soft Inquiries listed from XXXX XXXX should be removed because of online fraud and a court order to remove. 
Specifically, on XXXX report any and all late payments from XXXX XXXX XXXX should be removed or marked paid as agreed and on time. 
All three bureaus were sent certified and non certified documents from my attorneys office to have these items removed and they still appear today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: PA
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:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a debt letter from IQ Data stating I owe money to XXXX   XXXX. I have attempted to contact XXXX XXXX, but they have not returned my emails, and I want all contact to be in writing. 

IQ data stated that XXXX XXXX did not have a forwarding address for bills. Which is false. Since I was moving out on a day they were closed they asked me to leave the key and forwarding address on kitchen counter which I did. I have attached email and picture of forwarding address on kitchen counter. 



XXXX XXXX XXXX XXXX XXXX   XXXX  They had my phone number as well as email and never attempted to contact me. Furthermore they charged for 3 months water bill which doesn't make sense since I have been paying water bill every month, and I would only expect the last months bill. Furthermore when I moved in they sold an eDeposit service where I pay XXXX dollar premium and edeposit service pays up for XXXX dollars when I moved out for any deposit owed. 

Here is the information for my policy which XXXX XXXX  told me sign up for. You can't sign up for an edeposit policy independently it has to be done through a participating complex which porterwood was : Thank you! The ePremium eDeposit security deposit insurance coverage has been purchased. 

This is not an insurance policy, but rather an EVIDENCE OF COVERAGE. Details explaining the security deposit insurance coverage being provided are presented below. 

Coverage Purchase Date : XX/XX/2015 Insurance Company Insurance Company : XXXX XXXX XXXX XXXX Customer Service : 1 (  XXXX ) XXXX Insurance Agent : XXXX XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX Coverage Details Assigned Coverage Number : XXXX Primary Resident : XXXX XXXX Additional Resident ( s ) : Insured Location : XXXX Fm XXXX XXXX XXXX, TX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Contact Phone # : ( XXXX ) XXXX Security Deposit Coverage Amount : {$400.00} For these reasons I believe XXXX XXXX   is not acting in good faith by not directly replying to me and using a Debt Collection agency. Therefore the Debt Collection agency needs to get the appropriate responses from apartment complex to verify validity of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
There was a collection account on my Equifax report that did not belong to me. This same collection account was found on my XXXX  report and I was able to have it successfully removed from XXXX. I submitted a dispute with Equifax online and received an email on the XX/XX/2018 saying that my dispute was completed and directed me to view the results of the dispute via their website. However, the form for viewing the results has repeatedly not allowed me access to the results so I have not seen them. Additionally, the email states that if I do not access the results within 30 days they may become unviewable. I attempted to contact Equifax by phone multiple times with no success as I've yet to be referred to a live person. The phone line simply refers me back to the website which does not work properly. I am requesting assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i cancelled my service after my one year term, the XXXX phone company continued to try to charge me for services. i had already moved my service to a different carrier, and after about 4 months they continued to try to collect money that they say i owed, after a while i couldnt believe that they now say i owe over 900.00 for a phone bill. i have tried many times to reason with them, but now the collection agency continues to harrass me, and threaten me with law suites, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX  ( XXXX  ) XXXX

Company response to consumer: Closed with non-monetary relief