BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: Social Finance, Inc.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have not received my debit card although it has been more than the 7-10 business days allotted since the opening of my bank account with SoFi. I also received a message that my bank accounts ( BOTH CHECKING AND SAVINGS ) was frozen on XX/XX/XXXX and have been calling several phone numbers linked to SoFi. Anytime I am able to speak to an actual human, which is rare, they work for other parts of the company and state they have no ability to inform me as to why my account is frozen. They can only see that it is frozen. They always end up directing me to their Fraud Monitoring Team who has a voicemail machine acting as their liaison. Whenever I am transferred, or call their fraud team directly, their is an automated message saying that it is going to get a representative on the line for me immediately followed by, Im sorry all of our agents are busy right now, please leave a message. I have left multiple voicemails, everyday since as well as emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
On XX/XX/2019, I sent a letter to Experian requesting them to only report 1 address per FCRA 623, which I provided to them. Earlier in XXXX late XXXX my creditors updated my address to the 3 bureaus and both XXXX  and XXXX  added my new address. Experian continued reporting the wrong addresses which led to the letter which I will later attach. Experian has deliberately ignored my requests per their attached letter. FCRA 623 states that I have ONLY 1 address and 1 address should ONLY be showing and that its misleading, erroneous, and false to have multiple addresses. I also asked that they remove any employment as the one that's reported is erroneous. They are violating federal law! I will take further legal action in the form of filing a lawsuit if this is not resolved immediately.

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 2021-07-21
Company: Experian Information Solutions Inc.
State: MO
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:
My identity was stolen while I was encarcerated, along with my car and my purse in XXXX of 2018 and I filed a police report, and XXXX XXXX ruled against my identity theft saying I was in the car and not encarcerated when in fact I showed them proof of being encarcerated on the night that the money was withdrawn. They denied my police report as well. I've tried several times to have this removed as it was not me and my identity was stolen. They still refuse, along with all 3 credit agency 's to remove this! I've showed all documents stating my innocence. I want it removed and my debt of it cleared. They need to go after XXXX XXXX who did this! Thanks.

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 2021-07-21
Company: EQUIFAX, INC.
State: MO
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:
My identity was stolen while I was XXXX, along with my car and my purse in XXXX of 2018 and I filed a police report, and XXXX XXXX ruled against my identity theft saying I was in the car and not XXXX  when in fact I showed them proof of being XXXX  on the night that the money was withdrawn. They denied my police report as well. I've tried several times to have this removed as it was not me and my identity was stolen. They still refuse, along with all 3 credit agency 's to remove this! I've showed all documents stating my innocence. I want it removed and my debt of it cleared. They need to go after XXXX XXXX who did this! Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX filed a state tax lien ( s ) which was reported by all three credit reporting companies. The lien ( s ) have been released properly under Cert # XXXX for XXXX XXXX reported as Release of Lien by XXXX and XXXX, However, Experian is still reporting the lien filed with the XXXX XXXX County Recorder as being an open and active lien not as RELEASE OF LIEN like XXXX or XXXX have already updated their report the reflect RELEASE OF LIEN as noted below for Experian : Experian Court / Docket Number Plaintiff Ownership Filing Date Balance Amount XXXX XXXX XXXX XXXX Individual XX/XX/2016 State tax lien

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 2017-06-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have a big problem with chase bank I opened a college checking account with them and it 's been years since the problem has been fixed I 'm a victim of identity theft and my information was stolen and fraud happened to me there where checks and money taken off of my account and I reported everything and tried to resolve everything so my account could be fixed but was told that I had to just pay the money I disputed it and it was denied I just recently found out it was denied because they said I had my card when fraud happened which is not true it 's been so long so I ca n't file a police report and they wo n't pull up any cameras from where the money was taken off at to prove it was n't me and at the time there was a gas purchase I did n't even own a vechile at that time so how would I be the one who did the transactions I complained and spoke to a lot of people and honestly it 's been a waste of time I 'm in the process in filing a dispute with a outside consumer agency chase bank gave me the worst experience in a lifetime

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: EQUIFAX, 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 have tried numerous time to dispute an address on my credit that is not mine. I get back the results that states, " The results are : The disputed address has been deleted. XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. '' When I look at my credit report, it 's never deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called ALLY Financial has repeated called my home and left a message for me to contact them in reference to someone else who allegedly owes them a debt. I do not know this person who allegedly owes this debt nor have I ever done business with this company or this person. I do not know who they are. I feel that I am being harassed by ALLY Financial with whom I have never had an account with nor done business with, nor do I know the person that they are contacting me about. It seems that they are running a scam or phishing.

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 2022-01-10
Company: EQUIFAX, INC.
State: AL
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:
In XXXX and XXXX of 2021 I filed a dispute with the major credit bureau Equifax About the unverified info being reported from XXXX XXXX XXXX account number XXXX. 
I have sent XXXX notifications, I have not even seen if the account is in dispute or heard from them in XXXX months about this unverified account. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Midwest Recovery Systems
State: TX
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 sent : XXXX XXXX XXXX XXXX XXXX XXXX PRESIDENT OF MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 3 letters to verify debt they claim I owe and have not received any reply. 

I have never received any documented information in reference to this debt. 

Now i look at my credit to see why it dropped and i see this report saying I owe {$4100.00} to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: United Collection Bureau, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company - United Collection Bureau ( UCB ) - has called me over and over looking for some guy named XXXX XXXX. That is not my name and I have no idea who he is. Today I was called by " XXXX XXXX '' who admitted that he could see that they called me three times in his records, and I had him put me through to his boss XXXX XXXX, the Director of Operations. She listed her number as XXXX. Each time they call me, I explain that I do not know this person named XXXX XXXX, and each time they say they will " remove my number '' and not call me again. And then they keep calling. Day, night, while I am at work. It has gotten so bad that I have stopped answering my phone completely unless I am expecting a call ( today I was expecting one from my doctor ). This is a nightmare, and I wish I could just easily change my phone number but I can not. Please help me make them stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity theft as I was residing in XXXX XXXX. 
Been trying to resolve this issue yet going in circles with nothing accomplished and negative marks on my credit due to theft. 

I can be reached at XXXX Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received your second letter and am not surprised to find no new information to support your allegation of my debt. 
Therefore let me re-state the situation. I have always paid for my XXXX XXXX XXXX purchases by cash, check or my credit card, never a credit card issued by XXXX XXXX for XXXX XXXX XXXX. 
The XXXX letter you enclosed is incorrect stating my address. I have never lived there. Wonder what else is incorrect. 
The XXXX XXXX number as said before was never requested, therefore is not valid. Until a responsible third party provides proof that card number was requested, issued and used, there is no additional discussion. 
Given XXXX recent FDIC consent agreement or XXXX XXXX XXXX customers reputation, either is suspect of misdeeds. The recent XXXX XXXX situation validates those possibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Hello, I am filing this complaint because I am at a lost for words. As a XXXX owned business it is 100 % times harder for us to receive funding and support when it comes to getting financings and loans to open a business. 

I opened a line of credit last year with Wells Fargo to expand our company and open a new retail location. Since opening the account, we have maintained our monthly payment and has continued to pay the balance down up until a recent charge on the account. 

All of a sudden my account is closed with no explanation. I called the bank and they said I was a high risk and that's all that they can say. I don't understand how all of a sudden when a business is trying to take off from the ground that they are a high risk? 

Being XXXX is a high risk? Wanting to create a life for your family is a high risk? What did I do wrong with Wells Fargo to deserve this? 

I have a checking, a credit card and then a line of credit and now its closed with no reasoning as to why? I hope this issue hits every small business owner around the world so they know how Wells Fargo feels about small woman owned XXXX businesses, how they will pull the plug on them at any given moment for no reason at all. 

Because I'm a high risk? 

This isn't fair, this isn't right

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 2017-10-22
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:
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX all should n't be reported to my account I told them who I was staying with put me out and use my identity to try to obtain Credit in my name

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 2022-05-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A fake lenders group made false claims on my bank account and took the credit that the bank gave me, plus my savings and put me into an - {$800.00} overdraft I let the bank know about the issue, and after filing a legitimate claim, they restricted my account. 

Last night, they reversed the claims I brought up and I've been put into an - {$800.00} overdraft. The only way for me to pay for the overdraft is to go to the branch myself, but the nearest branch is in the next state. I can't deposit any funds because of the restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX,2017 there was two withdraws from chase my primary checking account for a total of XXXX.I wasnt aware of this until friday XX/XX/XXXX and contacted the bank about this situation.The bank gave me a temporary refund and said they would investigate it/The bank asked me to fill out a form that they mailed to me, which i did.On XX/XX/XXXX I received a text alert that my funds were low.I called the bank and i was informed that they reversed the funds that they had put back into my account .I was told by the service rep that it was determined that the card the atm card used was mine and that I had either given it someone or they used my card.I did neither and tried to explain it to them but was told that was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: AL
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 TRIED TO FIX THE PROBLEM SEVERAL TIMES, THE FOLLOWING ACCOUNTS ARE NOT MINE, I HAVE CONTACTED EQUIFAX SEVERAL TIMES, THEY HAVE NOT PROVIDED ME WITH ANY SIGN CONTRACTS IN MY NAME OR ANY VALIDATION OF DEBTS, I HAVE BEEN A VICTIM OF IDENTITY THEFT, I AM ASKING THAT THE FOLLOWING ACCOUNS BE DELTED AND THE HARD UNAUTHORIZED INQUIRIES. 
XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 
INQUIRIES, 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 XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan for {$7500.00} from Huntington National in XXXX 2007 to pay off some credit cards. It was just a regular installment loan, covering 10 years. I did n't realize until the next tax season that it was actually a home equity loan. I never negotiated that. I was mad at first because the interest rate -- I believe around 9 percent -- was way too high for a home equity loan. But I did n't go back and dispute because I was able to write off the interest at tax time. Since the loan is about to mature, I called Huntington about a payoff quote. From the conversations I had, I learned that for nearly 10 years, my automatic payment was being withdrawn on the XXXX of the month, eight days after the due date of the XXXX! I was told they have no record of me agreeing to do this. Since there is a 10-day grace period I entailed no late charges, but I discovered for the last near 10 years I have been paying additional interest eight days each month. So during the 116-month span I 've had the loan, I 've paid additional interest on eight days per month -- a total of 928 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: RI
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:
Account is 7 years old. Account is also paid. Creditor ( XXXX ) admits they have wrongly reported as opened in 2020. 

I ask Equifax to verify information. They say its already been disputed. I ask what verifying information they have, they say it must have existed at some point. How very convenient. 


This information is inaccurate and needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: DISCOVER BANK
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Basically, this is a tandem scam carried out by XXXX and Discover, with the final assessment by XXXX 's team to blame Discover Card for failing to take the corrective action in a fraud case. I would file this as a dual charge if CFPB made it possible. 

With that said, the basic scam is a very common XXXX XXXX  scam, where a seller sends an empty package, or worthless object ( in my case an empty envelope/package ) and this trips the USPS postal system to show that " package was received ''. To the uninitiated, this should be a simple report back to XXXX/XXXX  to report this and that should resolve it. XXXX/XXXX  makes this difficult by making a mandatory waiting period, layers of bureaucratic automation, and forced time spent by the user to resolve the situation. It is my opinion that this is a core part of their business model, and I would assume there are some internals somewhere showing some chunk of their margins come from grinding some percentage of users until they give up on fraud reports. 

With that said, I used Discover Card to dispute the case, in order to avoid this hassle. But Discover went out of its way to also refuse to take even a modicum of common sense, and instead relied on its bureaucratic protocols, which once again stem from the fact that the scammer can show that the package arrived. 

Discover refuses to accept common-sense information, and even with XXXX sending emails that explicitly state that Discover card has wrongly classified my case as " item not received '' rather than their own bureaucratic classification of " item not as described '', it is very clear that after hours of explaining this to all parties by phone and messaging system that they hide behind their own internal procedural mechanisms in order to not once take very basic information into account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Happy Money, 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: Account status incorrect

Complaint:
Payoff is reporting for XXXX that my XX/XX/XXXX payment was past due as of XX/XX/XXXX. My payment was made on XX/XX/XXXX. I have email confirmation and it is also on their website that my account was paid on the XXXX.

Company response to consumer: Closed with explanation