BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2022-08-30
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank recently gave me issues regarding checks I deposited. The issue started when I deposited a {$2000.00} check. They claimed that they could not get a hold of the bank to verify funds so there was an extended hold on it. I called the bank and was able to get a representative right away. The check issuer called the bank while I had Chase on the phone a few days later and they confirmed that they released the funds to Chase Bank so there should not have been a hold. They released the funds then. I consistently deposit church checks in the amount of {$250.00} into my Chase checking account every Sunday and I've never had an issue with them releasing the first {$200.00} with a hold of {$50.00} and they never had an issue with receiving the funds from the bank that the Church banks with. This problem started after the incident with the {$2000.00} check and I feel that this is being done on purpose because of that {$2000.00} check where they had the funds but refused to release them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent this agency a notarized, certified letter with return receipt about inaccurate, erroneous, and fraudulent accounts on my consumer report. I supplied valid proof of inaccuracies and fraudulent accounts and This agency has failed to act or update my account as in dispute. I provided proof that XXXX XXXX bank violated my federally protected consumer rights and committed identity theft against me. XXXX XXXX shared my personal information with XXXX without my consent. No consent is identity theft! On my consumer report there is an inquiry from XXXX which I did not approve or consent to and again no consent is identity theft. I have no contract with XXXX nor have I had any communication with them. I understand I am a consumer protected by federal law. By this agency reporting this information they are committing identity theft as well. It is to my understanding that all accounts deemed as identity theft be deleted from a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Have asked HSBC for a Discharge of mortgage for the previous owner of my house. When previous owner paid their mortgage off XXXX years ago during the sale to me, the bank never recorded that Discharge of mortgage with county of record. My lawyer has now been working on getting that discharge since XXXX 2015, a process that should have taken no longer than 90 days per HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit score is extremely low due to someone using my name for a utility bill. I need help removing this from my credit, I've tried to dispute this multiple times but I've had no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I had not yet received a statement from Best Buy ( Citi bank ), when my wife called a number in response to a recorded message. A rep from Best Buy ( Citi bank ) asked her to pay the balance on the account, she explained that we had not received a statement yet, but would be happy to go to Best Buy and pay the balance with interest, which she did the following day. Citi bank contacted us demanding we pay a late charge, I explained that we had not received a statement for that month ( we have not received the statement yet 4 months later ) and that I would like them to waive any charges do to the circumstances, the rep refused. I canceled the credit card. Citi calls several times a week asking for us to contact them. I have to no avail, they keep sending us bills for ever increasing amounts.

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 2022-08-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I went into XXXX to purchase a phone. During the encounter I felt uneasy about the sales agent and because he was pushy and not really answering my questions and concerns I decided after 9 days that I would return the phone. I was told that I had 14 days to return the phone and I may be charged a {$50.00} restock fee. I returned the phone and was given a refund. The representative that took the phone did not scan the phone in from what Ive been told multiple times. Due to him not scanning the phone the balance was never XXXX put resulting in a false balance showing on my credit for {$780.00} dollars. I have had my credit ruined because of it. Ive been denied home loans and personal loans because of it. I have recorded calls of me speaking to XXXX representatives confirming the error is on them. My information has been sent to a debt collector who has bullied and harassed me despite telling them I dont owe XXXX XXXX I have been denied a contract phone due to this debt as well. My credit went from zero late payments to this reporting monthly as late and delinquent. The phone has been resold and I received a refund for what I paid in store. Despite sending this information to the credit bureaus they keep reporting this debt as verified. XXXX has confirmed the phone was resold and I have the tracking number but Im continuing to be punished and my personal and business name tarnished due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
Contacted XXXX XXXX XXXX and XXXX XXXX XXXX and they told me that the information concerning settlement was paid had been sent to Experian XXXX XXXX XXXX in XXXX of XXXX. Experian reply was that they had not received this data from the debt collectors.So I sent to Experian the paid receipt from XXXX XXXX XXXX. Experian reply was that they could n't accept the proof I sent them to make any changes to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-21
Company: DISCOVER BANK
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
A charge appeared on my account XX/XX/XXXX, the same day i lost my card. I didnt realize it was gone til later that evening. I disputed it and was issued a credit while they investigated. The end of XXXX i see the charge back on my account again. So i talked with someone and told them i wanted to challenge it. XX/XX/XXXX i check my balance and noticed the charge was added back on to my account again. Im upset at this point because its time for balance/payment info to go into the CBAs. This is the second month in a row my balance was reported high because of this charge. I checked the dispute area and found out that discover sided with the merchant because they provided a Grocery Receipt ... yes a RECEIPT!! Which doesnt prove anything, therefore it is not valid enough to base the final verdict for the claim. Ive pointed out several key factors to help the dispute. 1. The charge was made at a location Ive never shopped at before. 2. The charge was made outside of my city and 3. The charge was the highest amount ever spent off my card. Then The agent kept telling me to call in when i kept telling them i was sick and couldnt speak but no they kept being inconsiderate. Not only did they not investigate my issue, they sided with the merchant without proof. I even talked to someone on XXXX  and was lied to, she never helped me at all! She said i could message her the dispute issue instead of calling. I Never had any issues with discover, always paid my bill ontime and yet i get treated like this. XXXX WOULD NEVER TREAT ME THIS WAY!! Discover needs to take a page from them. I use my discover card more than my XXXX even though i have a XXXX limit with XXXX. Im So im appalled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
CITIBANK STILL OWE ME {$200.00} BECAUSE I OVER PAID THEM.I SEE THAT THEY HAVE DELETED SOME OF MY INFORMATION TO SUIT THEIR GREED..I WAS WAITING FOR A REFUND CHECK WHEN INSTEAD I SUDDENLY RECEIVED A CITI BILL FOR XXXX XXXX.I ACTUALLY STILL HAVE CITI STATEMENTS PROVING MY POINT.MY ONLINE CITI ACCOUNT HAS BEEN CHANGED SEVERAL.I HAVE PAPERWORK SHOWING THAT THEY SUBTRACTED INFO AND ADDED CHARGES TO MAKE A POINT THAT I MUST PAY OR I WILL RUIN MY CREDIT IF I DON'T.I AM WRITING YOU TO AVOID THAT FROM HAPPENING.I HAVE ALREADY FOUND THE EXACT SAME COMPLAINTS ON THE CONSUMER WEBSITES.I HAD NO IDEA THAT CITIBANK WAS A SCAM.I NEVER WOULD HAVE APPLIED FOR A CREDIT CARD, IF I KNEW BETTER.I HAVE FINALLY BUILT MY CREDIT UP, AFTR A LIFETIME OF IDENTITY FRAUD FROM UTILTY BILLS ALL THE WAY TO TAX REFUND FRAUD ISSUES.I AM VERY HURT AND DISAPPOINTED THAT CITIBANK WOULD SINGLE ME OUT TO CHARGE MONEY I DO NOT OWE..ANYWAY THAT YOU CAN HELP ME, PLEASE DO.THANK YOU IN ADVANCE.

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 2016-08-11
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: APR or interest rate

Complaint:
I received a direct mailer from Citibank offering a Costco Citi XXXX with 0 % APR. In addition there is printed offers in stores and the offer is still on Citi 's website. 

I received my Costco Citibank card and discovered on the 1st statement that Citibank is not honoring the 0 % APR.

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 2016-09-17
Company: Capio Partners, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i was reviewing my credit report and found this item on my credit report, and have never been contacted by this company at all. I am a victim of id theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: CT
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, Experian, and XXXX Must delete all fraud on my consumer report I have multiple entries and sufficient evidence submitted of them all commititng racketeering ear in and out since I was XXXX. 

XXXX XXXX XXXX till currently committing fraud as well as XXXX XXXX, and XXXX XXXX XXXX with XXXX derogatory accounts that are all reporting as open but are fraudulent and should be deleted from my consumer report immediately This is a regular occurrence and I have to keep wasting my time arguing with these people A complete response from all these companies Explaining in full my contractual anything with them For I know they can not be they did not get permission from me as the original creditor and custodian of my accounts and personal information. 

They say in every note they were FCRA compliant while not being compliant at all with CFPB OR OCC. 

Someone needs to get them aligned and in line and I am here to be a prime example of people not going for this XXXX no more Delete all negative information from my report!! All of 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 2017-01-09
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage with Wells Fargo. I lost my job on XX/XX/2016. We felt we could continue to meet our obligations for a short period. We felt we would need some help in the near future and filed a request with Wells for forbearance or an adjustment. We where denied even though our net income would not meet future obligations. After six ( 6 ) months of unemployment, I obtained a part-time position. At that time we asked Wells to reduce our rate to current rates ( approximately 3.5 % at the time ) and reduce the amount of the loan to the current balance so that we would be able to meet the obligation. Wells denied that request based on us not missing any payments and stated that they would have made an adjustment if we had been in default. They also suggested we sell our residence. During the process Wells paid our annual property tax without approval from us. Our original loan did not include a tax and insurance payment. We are in the process of refinancing with another company. Since Wells paid our taxes AND we agreed to future payments including property tax and insurance, Wells actual raised our mortgage payment by more than {$1000.00}. If we would have went for a refinance originally, we would have had a rate around 3.5 % and been able to take our XX/XX/2016 annual tax deduction. With Wells illegally paying our taxes and forcing us to wait to refinance at around 4.25 %, they will cost us ten 's of thousands of dollars over the lifetime of the loan.

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 2020-03-21
Company: ID Analytics, Inc.
State: TN
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 reached out to sage stream to view my credit report and it had tons of errors on it. I disputed several items but yet there still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: ID Analytics, Inc.
State: MN
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 following accounts listed on my XXXX XXXX Report is fraudulent and not my accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I did not apply for the credit card accounts. I have never had any account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
J.P Morgan  Chase Bank processes checks in a fraudulent matter that benefits Chase and hurts its own customers. Chase claims that you have until end of the business day to fund your account if you are overdrawn. However,  Chase  claims that checks are processed at  XXXX , when in reality they are not processed until next morning, but the date processed on the account shows as the day earlier, causing fees to be assessed to the customers ' accounts. They also, in a fraudulent matter, process checks from the highest amount to the lowest amount all at the same time, even when the checks are deposited by the receiver at different times. This scenario causes the maximum amount of fees to be assessed to the account. Checks are processed at the time of the lowest balance before any deposits are credited to the account. This is apparent when checks are processed at  XXXX , not allowing for any deposits that were made that day to credit the account, since they are made available the next business day.     For example, our business account has funds that come in and go out regularly. Deposits are made by our credit card processor regularly, with it showing up in the account within  24  hours. However, it seems these deposits are held up by Chase when the account is at its lowest and checks are then processed. If the following checks were written, {$1800.00}, {$90.00}, {$85.00} & {$75.00}, with an account balance of {$3000.00}, there is enough to cover these checks when the checks were written. However, business goes on, the debit card is used and withdrawals come out, while deposits come in from our credit card processors. Let 's say {$2000.00} has been withdrawn but a deposit coming in of {$2500.00} has been issued. So, before the deposit is made, there is an account balance of {$1000.00} on Monday, not enough to cover checks that have been written a week to a few weeks ago. Then at  XXXX  the next da y ( Tuesday ), t he {$2500.00} deposit was never credited yet but the checks of {$1800.00}, {$90.00}, {$85.00} and {$75.00} are cashed all at once. The date then shows on the account as Monday for the processing, even though it was done on Tuesday. The {$1800.00} check is cashed first, causing the account to drop at - {$800.00}, causing a {$34.00} fee, then going forward {$90.00}, {$85.00} and {$75.00} are cashed, causing  3  more {$34.00} fees. Then late that day the deposit of {$2500.00} shows up bringing the account back to positive. However, Chase Bank already maximized its fees. If the {$75.00}, {$85.00} and {$95.00} checks were cashed FIRST, the account would have a balance of {$750.00}, then when the {$1800.00} check is cashed overdrawing the account, only one fee would be assessed. This is a very fraudulent process and it has happened to me a few times in the past.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a massive issue with my servicers. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2020. 
I noticed on the news that Donald Trump said he will suspend all evictions and all foreclosures. 
I hope XXXX XXXX XXXX will abide to the federal orders. 
I recently had my loan transferred over from XXXX XXXX XXXX who Ive been working with to achieve a loan modification. On or around XX/XX/2020 I received a letter in the mail stating that my loan has been transferred to a new servicer SHELLPOINT MORTGAGE SERVICING. Ive been working and trying so hard for so many years now to receive a loan modification from XXXX XXXX XXXX and before that XXXX XXXX XXXX And not once have they worked with me and cared or tried to help. 
To this day I have not received a welcome letter from the new servicer Shellpoint Mortgage Servicing. XXXX XXXX XXXX still placed my home on a foreclosure sale especially while the transfer happened. This is not good because it does not give me any time to work with the new servicer to work out options let alone given any time what so ever to have a chance to be reviewed for a loan modification. 
XXXX XXXX XXXX and Shellpoint Mortgage Servicing strategically transferred my loan so that the time frame would just sell my home. 
If XXXX XXXX XXXX and Shellpoint Mortgage Servicing continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure. Also the federal order that Donald Trump stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Penn Credit Corporation
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a collection letter from PennCredit in XXXX XXXX regarding a delinquent utility bill from " XXXX XXXX XXXX or XXXX '' for {$240.00}. In addition, I received approx. 5 calls per day, every day ( even weekends ) regarding this debt. I responded back with a certified letter disputing the debt due to identity theft, and did not hear anything back until today ( XXXX XXXX XXXX ) when I received several calls related to this debt. It would appear that PennCredit chose to ignore the dispute of the debt and is still attempting to collect on it, despite violating FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation