BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: MD
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 was XXXX of those XXXX XXXX Americans affected by the security breach at Equifax. I have since struggled with activating the protections offered by Equifax because of horrible load times of their web site and a complete inability to speak with an Equifax representative. 

It takes seemingly for ever for the Equifax web site to load and, once it does, it gives me the XXXX option of locking my files. However, there is no mention of establishing a fraud alert or establishing a security freeze, which I understand are XXXX other options that are supposedly available to me ( in addition to the file lock which is available in lieu of a security freeze ). 

My many efforts to talk with a representative about this issue have been fruitless. I have been placed on " hold '' several times for up to an hour before giving up the effort to speak with someone. 

It has now been several weeks since I began my effort to secure my credit records at Equifax and I am still struggling to complete this endeavor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Square Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On or about XX/XX/XXXX square closed my account for to many pre paid credit cards used on the pay system. Fine there where on three transactionsu XXXX XXXX I was informed on XX/XX/XXXX that m jnjby XXXX $ would be held for 18 0 days to ensure that nothing had been Wrong or frauded my 3 transactions. Now I filed a separate complaint on this but was denied so In the response to my complaint it was stated my funds would be Ileased after 180 days of Lockdown. That deadline has come and gone and nothing from square or my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2021, I logged into my XXXX account at United Airlines and opened a link at their site to apply for a new United XXXX XXXX Personal credit card. The credit card I chose was the United XXXX Card offering XXXX XXXX miles after {$2000.00} on purchases in the first 3 months. I was approved for this card, received the credit card on XX/XX/2021 and completed {$2000.00} purchases on XX/XX/2021. I paid the statement balance {$2000.00} in full on XXXX XXXX. 
On XX/XX/2021 I called XXXX United Customer Service and spoke with a person named XXXX and asked why I had not received my XXXX United miles. She told me that I had made a mistake and did not apply for the correct credit card, She said I applied for XXXX miles after spending {$3000.00} in the first 3 months. At no time was I informed that I had received a different card than what I had applied for. 
I received a letter dated XX/XX/2021 from Chase Cardmember Service again stating that I had applied for the XXXX miles, {$3000.00} in the first 3 months and that I failed to spend the {$3000.00} first 3 months and there was nothing they could do. 
On XXXX XXXX I received a call from a lady named XXXX who said she worked for Chase and they would be in touch regarding my request to giving me the XXXX miles. 
On XX/XX/2021, I again wrote a letter to Chase Cardmember Service stating that as of this date I have not received any reply from Chase and would they please contact me to solve this problem. 
When my XXXX XXXX United credit card statement arrived I noticed that they had posted XXXX Enrollment Bonus miles to my account. 
As of today, XX/XX/2021 I have never had any contact from Chase, nor have I received the XXXX miles as per their credit card offer that I applied for,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: GA
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:
I recently reviewed my credit report and found a late payment. 

Creditor : XXXX  XXXX Account # XXXX I was never 30 days late int he month of XXXX  2017. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I believe the reporting credit bureaus are in violation XXXX XXXX And Trans Union stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b

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 2022-04-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To Whom This May Concern, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2022 Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX Conformation Number : XXXX To whom in May Concern : Hope your day is well. Please remove my consumer statement or personal statement off my Equifax credit report. I believe you have q police report on my consumer statement, and I need that to be removed off my statement ASAP. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: AXOS FINANCIAL, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, In XXXX of 2021 I applied for a credit card loan through a used car company " XXXX XXXX XXXX ''. I approved the company to pull my credit report one time yet I had 4 hard inquiries pulled within the same few days by the dealership. When I complained they said that all 4 would be reported and affect my score as if only one was pulled. Now, many months later when I am looking into buying my first house, the 4 hard inquiries are still affecting my score. Please advise on how to reduce these 4 back to 1. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Axos Bank - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Thank you greatly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan Servicing engaged in dubious, illegal and patently fraudulent activity in pursuit of a foreclosure in XXXX State Supreme Court violating both the National Mortgage Settlement agreement with Ocwen, regarding servicing standards, and highlights the problems with Ocwen 's REALServicing platform as laid out in the lawsuit : CFPB v Ocwen Case # XXXX, US District Court , Southern District of Florida XX/XX/XXXX -- A " Denial for request of Mortgage Assistance, '' dated XX/XX/XXXX, was uploaded to the NY Court 's web system on-line during a mandatory foreclosure status conference ( mandatory appearance by plaintiff 's attorneys ). This was a fraudulent document given that defendants never applied for mortgage assistance. Blame was laid at the feet of an inexperienced young lawyer who had managed to gain access to the REALServicing system and obtain the document. 

XX/XX/XXXX -- Attorney affirmation by plaintiff 's lawyer stating the uploading of previous document was a " mistake '' XX/XX/XXXX -- Affidavit from Ocwen representative again stating " Denial '' document was mistakenly uploaded. 

XX/XX/XXXX -- Supplemental affidavit from same Ocwen representative reiterating that XX/XX/XXXX document was mistakenly uploaded. 

In response to two Show Cause orders XX/XX/XXXX and XX/XX/XXXX lawyers for two firms representing the plaintiff filed Affirmations in Opposition, respectively, that the mistake should be overlooked and that " ethics '' training had been instituted for all lawyers in the firm ( XX/XX/XXXX ) and that no real harm had been done to defendants ( XX/XX/XXXX ). Furthermore, in the XX/XX/XXXX filing plaintiffs attorney indicated that the REALServicing system had flagged the case and that no further modification-related communications with defendants would be initiated. Plaintiff 's lawyer stated that " Ocwen 's Records Are Accurately Kept, Maintained and Available To Their Foreclosure Firms. '' Plaintiff 's lawyer also stated ( XX/XX/XXXX ) that " care was taken to ensure that the offers were not sent, given Defendants ' clear position ''. 

XX/XX/XXXX -- Despite the aforementioned affirmation a packet of information, dated XX/XX/XXXX, was received by defendants. It was a " You Are Approved for a Loan Modification Trial Period Plan. '' Again neither defendant nor their attorney requested this modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is attempting to collection on a debt I do know owe. This debt is past the statute in Maryland and really old that it shouldn't be reporting on my credit. It's 8 yrs old.

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 2020-02-21
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: Account information incorrect

Complaint:
XXXX XXXX is attempting to collection on a debt I do know owe. This debt is past the statute in Maryland and really old that it shouldn't be reporting on my credit. It's XXXX yrs old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
These companies are being showed on my credit report when I have not inquired about anything from them. How do I get them off. The Capitol One and XXXX has been there since XXXX XXXX and the others have been there since XXXX XXXX. I do n't know where they are coming from. 
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 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 called company to close account and payoff amount on XX/XX/XXXX. I then made the payment amount of the " total payoff amount ''. However, after the account was closed on XX/XX/XXXX, they applied new charges that they neglected to include in the payoff amount. They neglected to add in the correct " interest '' and left off one of the " pending '' charges that was made on XX/XX/XXXX. I called the company and they confirmed, that they made a mistake, and they should have included that pending charge and that they did calculate the interest incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX and I am submitting this complaint without any influence from a third party or agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX is showing as a late payment on my account and it is incorrect. I spoke with a representative at XXXX XXXX who informed me the payment was not late so this is incorrect.

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
To Whom it May Concern According to my most recent credit report, your company is currently reporting That I applied for credit with the listed below organizations. I did not grant them authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept these inquiries. If a signed authorization can not be found please remove these inquiries from TransUnion. 

I have listed the inquiries below : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XX/XX/2020

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act and XXXX  Account # XXXX, # XXXX # XXXX # XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-02-21
Company: Experian Information Solutions Inc.
State: NV
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 AM VICITM OF IDENTITY THEFT, I HAVE REACHED OUT TO THE BUREAUS NUMEROUS TIMES AND REQUESTED FOR THE FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. I HAVE SENT MY IDENTITY THEFT REPORT TO THE BUREAUS AND DIRECTLY TO THE CREDITOR. WHAT I DON'T UNDERSTAND IS WHY DO I KEEP SENDING TO THE MY IDENTITY HTEFT REPORT IF THEY ARE NOT GOING TO HONOR ANYTHING, MY STORY IS THE SAME, I AM VICITM AND I NEED THE BUREAUS TO UNDERSTAND THAT. I AM VICITM, I AM VICTIM, THIS FRAUDULENT ACCOUNT NEEDS TO REMOVED.

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 2022-04-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to contact this company Fair Collection & Outsource XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX a number of times by certified mail dated XX/XX/2021, XX/XX/2021, XX/XX/2021 in reference to a collection account on my XXXX, XXXX, & XXXX credit reports. Until this date I have not received any information verifying that this account belongs to me and is correct and method of verification used.

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 2020-02-22
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened a HSA savings account with XXXX XXXX  with {$1000.00} in 2012 ( I believe ). I never used these funds. At some point XXXX XXXX A DIV OF WEBSTER BANK bought out the account and started charging fees against my knowledge and permission. I did not authorize this nor would I have held the account with them. I started out with {$1000.00} but the account ended up with {$850.00} which was turned over to the state for unclaimed property ( I do not have this money as I await due process from the state ). I called XXXX and they stated they can not do anything for the account nor refund any money they illegally took. I would like XXXX to refund the fees that were illegally charged. I signed no documents with them allowing fees to be charged. 

I can not upload any documents regarding this because XXXX never sent me any paperwork regarding buying out my account from XXXX but I did find out the name of the bank and account number from the states unclaimed website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2020-08-02
Company: Experian Information Solutions 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:
I have been a victim of identity theft and I noticed new accounts on my credit report. 
I have sent in a Federal Trade Commission Report to have the items removed direct to the credit reporting agency and they are still have not removed it 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