BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: Home Loan Center, Inc.
State: TN
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:
I put in information through Lending Tree on XX/XX/2020 at XXXX XXXX. I clicked on XXXX XXXX  2.25 % for 48 months and continued from there. I never gave my full social security number to ANYONE. I  used this chat feature on XXXX XXXX to ask how they could send me loan offers without running my credit because they didn't have my social. I wanted to make sure that this company would not do any hard inquiry on my credit, as I was just shopping around at the time and wanted to see what I could find. The person said " we don't need your social to get you approved. '' I looked today and I have received THREE hard inquiries to my credit score! What's worse -- the offer they actually sent over was a full 1.25 % higher than the " pre-approved '' rate. I reached out to XXXX XXXX  and they said " you gave us express written permission to retrieve your credit when you clicked " continue '' on Lending tree and XXXX XXXX. They never had my info to run it, so they somehow found it and ran it saying that I gave them express permission to do so! This is completely unacceptable and absolutely unethical. Tiny fine print that allowed them to make three hard inquires -- and the person from the company told me the social wasn't even needed to continue. This company should not be allowed to continue doing this to innocent people!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: IA
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:
I have tried to dispute account with Equifax asking for them to delete as this account is stating incorrect / invalid account number reporting account as a installment when the true type of account was checking account. Reporting inaccurate date last reported and date last active. Account payment history is reporting date last payment as XX/XX/XXXX with charge off on XX/XX/XXXX, this is impossible! Yet, Equifax has not recorded any payments on date last payment. I personally closed this account and it was never a loan it was my checking account. Therefore, there is no way that there can be a balance of {$190.00}. 
This account has been reporting charge off with a balance of {$190.00} since XXXX it is XXXX and account is still reporting charge off with a balance of {$190.00} if payments have been done like you are reporting the {$190.00} shouldve been paid off by now. This is not possible you are reporting payments up to this date when account has been closed since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
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:
The account XXXX/XXXX  is not my account. The account does not belong to me. This means that I was not the person which had this account with XXXX/XXXX. XXXX/XXXX  has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the XXXX/XXXX  account must 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 2017-08-01
Company: JPMORGAN CHASE & CO.
State: CT
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:
On XXXX I bought a salad in the cafeteria of the hospital my mother was brought to when she had a XXXX XXXX. The cashier told me she accidentally charged me {$41000.00} for the {$11.00} salad. I immediately called Chase and told them. They assured me the charge did not go through, that it could n't have gone through anyway because I only have a {$9000.00} limit and that I would definitely get a phone call if an amount that large was being charged as it would trigger the fraud department. On X/XX/17 I logged into my account to see that the {$41000.00} WAS in fact charged and no one from the fraud department notified me. I called Chase and was told that they would need to investigate the dispute since it was such a large amount. They told me that I should call XXXX hospital to resolve it. I have called XXXX multiple times and they agree it was not a correct charge however they are waiting for their bank to get back to them. In the meantime all of my automatically charged bills are getting rejected. When I asked Chase why they allowed this charge to go through they said that they allow purchases to go through to prevent the person charging from " getting embarrassed ''. So now I am being held financially hostage because they let a hospital cafe charge me four and a half times my credit limit for a salad. Can you please help me get this resolved? This is causeing huge issues for me while I 'm also trying to take care of my mom while she is having XXXX XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An internal glitch in TD Bank 's online billpay system caused XXXX, a vendor used by TD Bank, to pay {$95.00} without being reimbursed by TD Bank. XXXX is attempting to recoup the money they lost through this glitch directly from me rather than from TD Bank. TD Bank is refusing to take responsibility for the error and wants me to communicate with their vendor. 

I did not authorize the payment in question. 

I do not have an account with XXXX or any previous contact with that company. They are a vendor for TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
My income and entire home situation has been affected by Covid-19. 
I borrowed money to stain top of my bills during this time and made my Capital One payment on XX/XX/20. The due date was for XX/XX/20 but I wanted to request a late fee removal. 
Capital One advised I can request a program for future payments but they can not assist with the current late fee. 
During this unprecedented times, I would appreciate if any unnecessary fees could be waived and handled properly. 
Ridiculous fees shouldn't be a way to get ahead during this time, we are all just trying to make it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an FHA mortgage on a residence that I currently reside in. On XXXX-2020, my mortgage servicer, Loancare, approved me for a 180-day forbearance. Prior to the start of the forbearance, my account was in a delinquent status because the mortgage payment for XX/XX/2020 had not been made. 

On XX/XX/2020 I was able to pay in full, the delinquent payment for XX/XX/2020. At this point, my account was caught up on payments and the only unpaid months were the months covered under the forbearance ( XX/XX/2020 and beyond ). 

On XXXX-2020, I looked at my credit reports for XXXX, XXXX, and XXXX. All three credit reports showed that Loancare is still reporting my account as delinquent even though the only payments that are outstanding are the payments covered under the forbearance. 

I read section 4021 of the CARES act which says : " If the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. '' I conducted further research on the CFPB website and found the following excerpt from an article entitled, " Protecting your credit during the coronavirus pandemic '' : " If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. '' I made contact with a Loancare representative via telephone and explained to him that I believed Loancare was reporting my account incorrectly to the credit bureaus because, under the CARES act, my account had been brought current when I made the delinquent XX/XX/2020 payment. I advised him what I had learned from reading section 4021 of the CARES act and the article on the CFPB website. 

The representative advised me that my account was being reported correctly because if it was delinquent prior to the beginning of the forbearance, they were able to continue reporting the account as delinquent even after I had made the past due payment. He also advised me that even though the past due payment had been made, the account could still be reported as delinquent because the payment months covered under the forbearance are technically late. 

I advised him that I believed that the CARES was not being interpreted correctly and he ensured me that it was. 

My research leads me to the conclusion that payments that are not made while actively in forbearance should not be reported to the credit bureau as late under Section 4021 of the CARES act.

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 2020-11-15
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, 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 the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : US SM BUS ADMIN ODA Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by 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 2020-08-27
Company: Experian Information Solutions Inc.
State: ID
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 are not my accounts nor did I file Chapter XXXX bankruptcy. Please remove them.

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 2021-03-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Primary Problem : I attempted to send {$10000.00} from my Chase account to my husband 's XXXX Savings Account. XXXX  declined this transaction and Chase has not returned the {$10000.00} six week later. 

Original Money Sent Date : XXXX, XXXX, 2021 Steps Taken with Banks Initially Contacted Chase Phone Support Said They Could Not Do Anything Then called XXXX - They explained they had declined the transaction because it was coming from a bank account which was not under my husband 's name and that the money had never been received by them. 
Went into local Chase Branch Branch Manager initially thought it was a mistake but was still helpful, after a week seemed to realize it was a real issue. She suggested her back office was working on it.

-- Multiple weeks later the branch Manager has now said she can not do anything and has escalated it to Chase 's executive branch division. She seemed perplexed by the problem and apologized suggesting that it was in corporate Chase 's hands now. 

I still have not heard from this group and thus have turned to you for aid. 

I have all the transaction numbers and will share with you if contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: AR
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 the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 2020-08-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went in on Saturday XX/XX/2020 to open a new chase banking account with my husband. Everything was fine and the banker informed us our account is open. I deposited two checks into the account. Today XX/XX/2020 I try to log into my chase bank account and my account says I must call due to suspicious activity after 30 min on hold the rude lady informs me my account has been closed and no information why. I have not been notified by chase. I have paid off my credit cards and am in good standing with my other banks. I checked my XXXX XXXX and there is no negative remarks. Chase informs me Ill receive a check in 10 days with my deposited amount my husband and I have no money and a XXXX year old baby this is ridiculous. I do not know what I could have done to cause this to close and why I wasnt just declined the day I went in for the account? We lost {$1000.00} can not afford food this week and are struggling. Chase is so rude and only tells me we do not want to do business with you I wasnt even warned!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has essentially doubled since GreenTree/Ditech purchased it in Mid XX/XX/XXXX. From approx {$1100.00} to approx. {$2000.00}. 
Instead of conducting escrow analysis yearly they have done it XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Without time for my escrow to build, my mortgage payment continues to skyrocket. 
I had an escrow shortage notice of approx $ XXXX. In XX/XX/XXXX, I called to have account noted that I would pay off escrow by mid XX/XX/XXXX. 
I specifically mailed the 3 payments of $ XXXX to the escrow account payment address NOT the mortgage payment address. Why even have seperate addresses? 
However, todate only 1 payment was credited to escrow. 1 is held in unapplied funds. 1 is still unaccounted for. Each payment specified escrow shortage payment. 
After requesting they rerun my escrow on my primary home account so I know my new XX/XX/XXXX payment, it still shows {$2000.00} despite escrow shortage being satisfied. 
On my other mortgage, my request to discontinue escrow was denied based on having a negative escrow which had already been satisfied. 
I was told it was their error and to go online to resubmit. Ironically when I went online that functionally was no longer available. 
Their business practices are dubious and inconsistent.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello I reached out to this merchant regarding a fraud credit card that was opened on this account the merchant informed me that they couldn't verify that I didn't benefit from the credit card so they cant help me remove this negative item that does not belong to me from my credit I asked to the creditor to send me identyinfg documents to verify who opened the account up and they could not they also don't have anything that associates me with this credit card except for my ssn no other documentation they have on file belongs to me this account was opened via the internet per the representative so they are assuming this is my account and it does not belong to me

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 2021-03-01
Company: CCS Financial Services, 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was part of a free credit protection monitoring through Experian ; due to fraud that I experienced. 
On XX/XX/XXXX they automatically withdrew {$27.00} from my checking account. I tried to email and go online to cancel. I tried calling with hours long wait times. 
Again I was charged XX/XX/XXXX for {$27.00}. I called and called. I have been hung up on each time I attempted to cancel. 
I can not conceive why a credit reporting would re victimize consumers who were already been through the ringer. 
Please ADVISE AS TO HOW I CAN ATOP THIS.

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 monetary relief
Consumer complaint received 2021-03-01
Company: JMD,LLC
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XX/XX/XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: CITIBANK, N.A.
State: VT
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:
Yesterday XX/XX/XXXX, I received a free copy of my credit report on www. XXXX Macy 's is listing that none of my payments have been received on my account from XX/XX/XXXX until present XX/XX/XXXX. In addition my account has a code as AID. 
I am not sure what this CODE AID means but I have never missed a payment. 
Macy 's may be listing me as deceased.

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