BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent XX/XX/XXXX a letter about items on my credit report that doesnt belong to me, they are still reporting inaccurate. I am including a copy from XX/XX/XXXX that is reporting accurately from XX/XX/2020 I filed a previous complaint against Experian, complaint number XXXX please update that case with the information provided by 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 2015-12-02
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I checked my credit score on XXXX XXXX and noticed a collection from XXXX XXXX under the Equifax report. It has to be a mistake. I had paid my rent each month for the duration of my one year lease. After my lease expired, I talked with my landlord at the time and told him I did not want to renew it because I had found another place to live and I still live there to this day. My roommate ( remained on the lease ) agreed with the landlord to be on a month to month lease agreement at the apartment. The particulars of the lease I do n't know because I was done living there. Your immediate help would be much appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: DISCOVER BANK
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a balance of 4000 plus dollars on my account and there should be a XXXX dollar balance currently as all transactions were fraud on the account since XXXX. I filed multiple claims multiple times but they never got back to me or re-credited my account. I do n't even see credits from large fraud charges to merchant. Discover has not even proved to me that I made the charges. IF I know I did not make the charges, then how does them simply doing an investigation that does n't even entail any real proof make them correct and me wrong? There are many more charges of all kinds that I have not received credit for even though I claimed them as fraud and the investigations are now all complete. I should get all my credits valuing to the amount of my current total balance. I can not even see the statements at this point thus I do n't even know what charges Discover is holding my liable for as of now that equals my total current balance. This has already disrupted my credit report, so I also seek additional compensation for damages caused by them not changing my revolving my balance on time and having this account in bad standing for 6 months or more, for no reason, and I should not have to be responsible for such damage. If I knew Discover would have such poor response rate and fix to fraud charges, I would not have signed up for this credit card. I am even a preferred card member where I pay an extra XXXX dollars a year. They should treat me better than this. This is my third complaint against Discover now using this CFPB service. They still have not done anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
For the last two months I have been attempting to have XXXX remove past due information for a student loan and they have only corrected this information off of XXXX and not Equifax. My calls to XXXX, the student loan servicing company go answered but I always receive the same information -- that as of XXXX XXXX, my account is current and in good standing. I do n't understand why they refuse to properly report to Equifax and have the information corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
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: Account status incorrect

Complaint:
XXXX credit card has reported my XX/XX/2022 as late on both XXXX and Equifax. I spoke to an XXXX agent on or around XXXX and advised the agent that they wrongly reported my card payment late for XX/XX/2022, to both XXXX and Equifax XXXX He did research and agreed that this was an accidental error on XXXX end. He said he would note the account about this error and would try to get it corrected. I advised the agent that I would be also disputing this error with XXXX and Equifax. Which I did dispute this error on or about XXXX Equifax updated my report to XXXX being current on or about XXXX. XXXX updated my report to being current and ontime for XXXX on or about XXXX. My credit report for both Equifax and XXXX updated to XXXX being paid on time and my credit score reflected the correction. Assuming this error by XXXX Credit Card had been corrected I was happy. 

Then on or about XXXX, I get an email from Equifax saying the Dispute is complete. Thinking nothing of this, and that the issue was rectified given the update on XXXX I did not research this at that time. 

Then on or about XXXX I get an email from XXXX saying the dispute is complete, again thinking nothing of this I did not research it at the time. 

On or about XXXX I checked my Credit report and saw a major drop in my credit score on both XXXX and Equifax. Admittedly I freaked and immediately researched the cause of this drop. My XXXX XXXX payment had reverted back to XXXX days late and XXXX was a missed payment by them. So on or about XXXX I filed a dispute with both XXXX and Equifax in regards to this error once again. 

Equifax completed the second dispute one day later on XXXX and now shows the XXXX payment as missed and 60 days late. Even worse now XXXX completed the second dispute on XXXX, and still shows the XXXX payment as missed and XXXX days late. 

I immediately called XXXX on XXXX at XXXX XXXX XXXX  XXXX the call was approximately 13 minutes. and explained the situation. I was placed on hold for a period of time and The agent once again confirmed there was an error on their end and to quote the agent sent to the back end for correction my issue with this is the agent was very vague when I asked if this was from the previous call or this call.. The agent really didn't specify, I asked for an email confirming and stating this and the agents reply was it will take 60 days to correct this on the back end, then you'll get an email ( whatever that means ) Feeling as though, I couldn't just take this XXXX agents word I asked for the agents name ( the agent said her name was XXXX but then spelled it XXXX ) I asked for an employee number and the XXXX Agent Said her number was XXXX. I really dont have much confidence that I was even given an accurate name or XXXX Employee Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had a house ( bought in XX/XX/XXXX ) put {$65000.00} of my own money into. I could n't make the payments on without a loan modification. At the time the mortgage was held by XXXX XXXX. We were working on a loan mod. I was making all payments and complied with all requests to get the loan mod. Suddenly my mortgage was sold to GREEN TREE. At first they did n't want to honor the deal I had going with XXXX XXXX, but finally relented. We worked out a 6 month deal that if I made my new amount of payment for 6 months we couls work out a loan mod. I did. The deal they offered me was the amount I owed on the house plus the amount of missed payments and they were going to work out a kind of vraiable interest rate. something like 3 % first 3 years 4 % next 3 years and then I think is was XXXX the rest of the loan. Totaling somewhere around $ 250,000+ for a house worth around {$160000.00}. I counter offered at {$170000.00} 5 %. They immediately said No my house was foreclosed on in a couple of months and sold at auction for {$110000.00}. I wanted to short sale, they said If I could get it done before the foreclosure date which was less then 60 days away. I let the house go. I was beside myself and felt so betrayed.I finally lost the house in XX/XX/XXXX. I just saw that GREEN TREE settled a lawsuit from you with similar cicumstances. I still owe {$49000.00} of the {$65000.00} I put into that house. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
We previously had a mortgage with Bank of America that was closed last XXXX when we refinanced through another institution. We do not have any other accounts with them. 

Yesterday someone attempted to open a Bank of America XXXX XXXX Banking Account using my SSN and an ancillary email address. Luckily a confirmation email was sent to me that an online application had been submitted. I contacted Bank of America yesterday and they confirmed that the application had indeed been submitted. They denied the application with my consent. I want to ensure no other accounts are opened fraudulently with any other financial institution. I don't know this happened as my credit scores are locked.

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 2020-06-21
Company: CITIBANK, N.A.
State: VA
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:
I purchased an airline ticket ( XXXX ) via an online travely agency XXXX XXXX XXXX. Now due to the Covid-19, my airliine cancelled the flight. I tried for a month to approach the travel agency and the airline. But no one respeonded back to me to resolve the matter. As a result, I tried to file a dispute with my credit card company ( Citi Master Card ). After submitting all proofs on how my flight was cancelled & How the tranvel agency issued me bogus vouchers, Citi Master Card blatently denied my cliam with a response " that they need a proof of cancellation to reverse the credit ''. The travel agency issued me bogus travel vouchers that are not good. Now I have lost the money as Citi refused refund me the funds. Citi Master card is abetting this travel agency in commiting fraud. 

My flight was cancelled by the airline & the I never recieved my funds back. My Credit Card company is supporting a Fraud business to draw unauthorised funds from my account.

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 2022-10-09
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I registered a gift card to PayPal and attempted to use it immediately after registering it. I received the notification that the funds were transferred to PayPal. Each time I tried using it, the transaction would not go through. It would not be declined, it would just cycle and notify me that it was a pending transaction. On my first call to PayPal, all the pending transactions were deleted as was the gift card. I was told the funds were transferred back to the gift card and to call them to confirm. I did that, there were no funds transferred. The gift card ( XXXX XXXX ) had a transaction recorded from Paypal which I never received any confirmation of, and did not, nor could not make through my Paypal account. My next call to Paypal, was with XXXX, I was instructed to get documentation from XXXX XXXX confirming a Paypal transaction, then to call again to get a claim opened. I called and spoke with XXXX, was told a claim would be opened, and I would receive email confirmation. No email came. I don't have the exact dates for these previous calls but they were more or less within a month or two of the final call on XXXX XXXX, 2022 at XXXX ( PST ). Phone answered by XXXX, transferred to a XXXX : XXXX. XXXX assured me that claim had been opened and I would receive an email within 7-10 days. XXXX XXXX was day 10. No email except a generic one from Paypal with no claim number and basically to log in and start the process over again. All of these contacts are conveniently not recorded in my Paypal account. According to XXXX, there was a transaction with two people on that card. I do not know those people. Paypal has the record, and has had it all along to be able to trace the transaction. I never received a notification of the charge, and I was unable to make a charge. Paypal 'customer service ' is abysmal. There was never any follow up, the website doesn't allow for detailed, specific issues. XXXX assured me, when I asked, " How do I know this is even going to be opened as a claim? ", that it would and gave me a badge number. I attempted to get answers on the website, but that was useless. Paypal assures consumers that their money is safe. It was not safe. However, I would like to say that the gift card company, XXXX, has excellent customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-10
Company: CITIBANK, N.A.
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:
This is a follow up on my previous complaint on CFPB, complaint ID XXXX. I wasn't provided any document that linked this alleged student loan to me. Then during my last compliant, Citi send over a loan application dated in XXXX from a XXXX XXXX who lives in Texas . Citi has further requested my drivers license. Which I '' m attaching it here. I also found the attached document which I thought was junk but might be helpful to your internal investigation. This false reporting has greatly damaged my credit file and I demand this to be removed as soon as possible before I hand this over to a consumer fairs attorney.

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 2022-07-20
Company: ONEMAIN FINANCE CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
ON XXXX I PAID ONE MAIN FIANCIAL XXXX XXXX OFFICE OTHER HALF MYMONTHLY PAYMENT THAT TOTALS XXXX $ $ MONTH I PAID XXXX THEY PUT XXXX $ TOWARD MY ACTT XXXX XXXX WENT TOO INTREST I HAVE NOT PAID ANOTHER PTYMT AFTER THAT DATE IVE TOLD THEM COME GET XXXX XXXXXXXX XXXX IM DONE WITH THE HIGH INTREST ILL BE DEAD BEFORE THE BALL PAID OFF I CAN NO LONGER PAY THIS CAR NOTE COME GET IT SELL AT ACTION PLS NO RESPONSE

Company response to consumer: Untimely response
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: TX
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 have mailed a multiple inquiry removal letter on  XXXX / XXXX / XXXX  in order to dispute information on all  XXXX  credit reports. in regards the hard inquiries that are being reported on my credit reports. The request i submitted included hard inquiries that are not factual and i recieved the same response for ALL inquiries, which stated all inquiries are factual record of file access. If you believe this was unathorized contact creditor. According to FCRA Rules, FCRA  623 ( B ) ( 2 ) AND 611 ( A ) ( 1 ) it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the   XXXX   XXXX    delete disputed information from its files. The fact that i recieved a response 4 days later one can only assume there was no investigation, I am submitting this complaint due to lack of investigation. This is unfair pratices by the credit reporting agencies with no concern for the consumer credit worthiness.     these are the disputed 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   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      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     XXXX   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive been trying to get this loan off my report for years ... ... i have never even had a driver license in XXXX or id ... .so how can i lease a car. This company is completely fraud!!!!! Pls all them to show proof ... I'm not accepting the facts!!!

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 2020-12-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Monday XX/XX/2020 I received a text appearing to be from chase bank, I clicked a link and it appeared to be the chase bank homescreen. I signed into my account but it appeared not the same so I exited out of the web browser and called my bank. They informed me that they didn't send me a text and to ignore further emails and text messages. 

On Wednesday XX/XX/2020 my cell phone completely loss all service, I wasn't able to text, browse the web or making calls. I immediately went toXX/XX/XXXXXX/XX/XXXX on XXXX XXXX, they informed me that my sim card was not matching my XXXX any longer so they changed my sim and my service was working again. No other explanation was given and I went to XXXX XXXXXX/XX/XXXX. I purchased shoes at the XXXX  store with my debt card with no problem. 

On Thursday XX/XX/2020 my cell phone loss service again I noticed around XXXX. I felt something was wrong so signed into my bank account and noticed money was being filtered from my savings account to my two checking accounts. The first amount was {$2000.00} taken on the XXXX around the time my phone wasn't working and then the second {$2000.00} was taken right as I was online looking, both amounts were used by someone in XXXX, Michigan based on location that was on my Chase statement. I immediately used a friend phone to call Chase bank. They informed me to lock my debt card and change passwords and they would flag my account. The pending amounts could not be stopped. I also called XXXX on my friends phone and they had to re-active my sim card over the phone and later realized during the times my phone wasn't working someone managed to access my account in XXXX and were posing as me to talk to Chase Bank. I never authorized the wire transfer. This evidence shows on my XX/XX/XXXX records. I can not be at two places at once. 

On XX/XX/2020 I filed a fraud claim with Chase bank over the phone and went inside a branch to change account numbers and debt card. I believe my SSN was obtained and is being falsely used. 
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Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report on Experian. Per my rights under the FCRA, please provide the contact information or the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau. The Fair Credit Reporting Act, Section 605, regulates credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a persons credit report after 7 years from the date the bankruptcy case is filed. 

Chapter XXXX Bankruptcy XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Experian Information Solutions 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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation