BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft, and I did not make or authorize those inquiries. I am requesting that those they be removed, -XXXX  XXXX ( XX/XX/XXXX ) -XXXX  XXXX  XXXX XX/XX/XXXX ) - XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) -XXXX  XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX ( XXXX  XXXX  XXXX XXXX  ( XX/XX/XXXX ) -XXXX  XXXX XXXX  ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent XXXX  denial letters from American Express for a credit card I didnt apply for. One was addressed to my business saying that we can not approve your request at this time for the American Express Cash Magnet card. The other is address to me, my first and last name. It says We closed your Card application as you requested. I received both letters today ( XXXX XX/XX/2022 ). The letter dates are XXXX XX/XX/2022. I called AE. They said they reported to their fraud department but they also recommended I report it to the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Disputing accounts, Equifax says they dispute information on peoples credit files. But at the end of time frame you recheck file and stuff just says remains. No explanation on how information was verified. There disputing practices are very vague no written info ever given.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This loan servicer has been unreliable and impossible to work with since closing on the loan. 

In XX/XX/XXXX we were notified that our mortgage company did not pay our hazard insurance premium and they were going to cancel our policy. So we paid the premium out of pocket. 

In XX/XX/XXXX we were noticed by our local city government that we had n't paid our property taxes and were facing a judgment. These also were to be paid by the mortgage servicer via Escrow. 

In XX/XX/XXXX the mortgage servicer sent us a notice that our Escrow account projected balance was too low and we needed to send them {$440.00} to settle it, which we sent on XX/XX/XXXX. 

In XX/XX/XXXX we requested that our Escrow account be removed and refunded so that we can just continue to pay our insurances and taxes out of pocket on our own since they continued to make errors and they denied our request. 

In XX/XX/XXXX we received a notice from our flood insurance servicer that our flood policy had n't been paid and they were going to cancel our policy. Again this is supposed to be paid by our Escrow. 

InXX/XX/XXXX we recieved a notice from the mortgage servicer that we did n't have a home owners insurance policy on our property so they were providing us one, we do in fact have one. 

In XX/XX/XXXX we received yet another notice that our Escrow fund was low and they need a check for XXXX. 

If they are n't paying our taxes, are n't paying our insurances how is the fund low? Further more I 'm a XXXX and my husband is a XXXX XXXX and we own 3 homes ; neither of us have ever seen anything like this in 15 years. Additionally, all of my clients that are serviced by this mortgage company have the same complaints. I want to open and investigation into the Escrow funds to see if they are servicing them appropriately and if there is any mishandling or commingling of the funds in some way to pay the companies debts or something, because this is just insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: LA
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 gathered my recent credit report from all 3 bureaus : XXXX, Equifax and XXXX and they still are reporting inaccurate information on XXXX XXXX  on my reports. They came back verified as accurate. 2 bureaus, XXXX and Equifax have the same date of last date payment XX/XX/2017. Now, XXXX has a date of XX/XX/2017 as being the last date of payment. Which one is correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Netspend Corporation
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Bought a Netspend card from XXXX. Put money on the card and I can not obtain an activation code to use it.

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 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company did not send the correct federally and state mandated letters not did they provide or address that in the precious complaint and it was closed with a deficient and irrelevant response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14
Company: CITIBANK, N.A.
State: FL
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:
In reference to prior complaint # XXXX-XXXX  Citibank refund me {$100.00} for insurance company XXXX XXXX XXXX. 
Yet, the insurance company never refund me for the amoun of my wedding ring lost at the airport or at leas half of the value. 
Citibank never refund me the {$200.00} offer in their page to open a new credit card or use your card now and you will get the refund on the next stament.

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 2022-07-15
Company: Sequium Asset Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called Sequium asset solutions to see If I could speak to a supervisor about getting a settled debt possibly removed. The agent got really mad and tried to start a argument so I repeatedly asked this agent to speak to the supervisor so I can resolve this issue and move on with my life. THE AGENT STILL WOULDNT LET ME SPEAK TO THE SUPERVISOR, just being evil. PLUS, I asked for paperwork of me paying for the debt, they told me that they would email it to me and received that yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: LA
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 gathered my recent credit report from all 3 bureaus : XXXX, XXXX and Experian and they still are reporting inaccurate information on XXXX XXXX  on my reports. They came back verified as accurate. 2 bureaus, XXXX and XXXX have the same date of last date payment XX/XX/2017. Now, Experian has a date of XX/XX/2017 as being the last date of payment. Which one is correct?

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 2017-09-06
Company: Michael Harrison, Attorney at Law
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
It all start calling me late in night and saying I Have to Pay this bill or it will get reported. I Told them to contact my lawyer and Michael Harrison reject my lawyer because he do n't have a licence of New jersey.
So then my lawyer told me that my case is not worthy for him and he quite my case.by this time I have only 60 day left to get reported to credit agency.
After my lawyer did this to me I contact Michael Harrison and inform them that I will contact my insurance and they will make a payment. 

I email XXXX a lady work for Auto insurance company. and told her all this. she made payment but there were two codes that was not paid. Now at this point they start sending me bills as a new account. mean they restart my 90 days period. 

so after receiving another paper form Michael Harrison saying its my first warning and I have 90 days to pay off the rest amount I contact them and ask what is the issues they explain me that there is still money left on account.so I contact my insurance lady again and she made the payments and everything was clear. 

after all this done. 6 month later I find out that Michael Harrison report to my credit that I owe them 900 something. 

I call then again and The manager call rude and said mean things and say she cant do anything even when she is wrong. they want me to fix it by reporting to some agency. 

I have all the bills and emails saved please help me to stop these people hurting American tax pay citizen. 

Please help me and give me justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. ATTACHMENTS BELOW SHOWS THE ERRORS ON MY CREDIT REPORT This the ground for removal they also violated my rights under 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06
Company: Paypal Holdings, Inc
State: FL
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:
XX/XX/XXXX Reference Number XXXX PAYPAL XXXX XXXX CA charge {$42.00} should of been {$33.00}. The invoice and charge from the company XXXX XXXX XXXX email XXXXXXXXXXXX website : XXXX XXXX XXXX  The order I.D . is XXXX paypal XX/XX/XXXX XXXX XXXX Transaction ID : XXXX You sent a payment of {$33.00} USD to XXXX XXXX XXXX ( XXXXXXXXXXXX ) According to email XXXXXXXXXXXX they stated that the difference may be foreign funds. The company 's last question did you pay with foreign funds? They assured me all they received was {$33.00}. I requested PayPal supply a credit of {$8.00}. I am having problems with XXXX in a XXXX center attempting to steal all communications and attach themselves to my finances. I would like to see a credit of {$8.00}. I was told all of my FTC complaints filed were solved and were established as an account with this organization. They are stealing credit card bills and supplying copies. Interrupting bills going to XXXX to another state halting the outgoing mail. Stating they represent XXXX locally. I never authorized anyone to halt my outgoing mail. I made a complaint with XXXX. Arrests have been made concerning mail fraud. I never received any results from FTC. They were placed on a credit card through XXXX. This is that card and I previously made a complaint about fraudulent foreign fund charges. XXXX issued another card. I am missing many credits on my account. This is the new card and apparently, I am having problems again with fraudulent charges locally. I even believe this has to do with identity theft. I was thankful XXXX XXXX disclosed that they believed that someone paid this with foreign funds attached to my credit card. This was placed on line at XXXX XXXX. in the XXXX XXXX Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: YSA ARM LLC DBA Oxygen XL
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following company has sent a letter stating a debt owed, I was unaware and have been a victim of identity theft. 
Oxygen XXXX has stated I owe XXXX XXXX in the amount of XXXX $ I am unaware of this company. 
I spoke with XXXX, he threaten me with collections reflecting on credit reports also threaten me with jail.. He also wouldnt agree to send me signed agreements providing proof of this debt. 
I have never lived in Illinois I have lived in Indiana all my life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: TN
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. ATTACHMENTS BELOW SHOWS THE ERRORS ON MY CREDIT REPORT This the ground for removal they also violated my rights under 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: JPMORGAN CHASE & CO.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Went into my local Chase Bank and handed the teller a XXXX $ XXXX bill and got back XXXX $ cash and XXXX $ in quarters. In the roll of quarters was a XXXX Yen piece worth about XXXX cents. 

Called customer service and they said my complaint was noted but I needed to resolve the issue with the local branch. If a person was scamming me or others by using a foreign currency I felt they were not concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28
Company: Experian Information Solutions 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 contacted Experian via a Dispute letter regarding XXXX XXXX once in XXXX and Once in XXXX. Experian is reporting XXXX XXXX with an open date of XX/XX/2020. One, I have never opened an account with XXXX XXXX. I have requested Experian to send me documentation with my signature agreeing to terms with XXXX XXXX and they still have not sent any documentation. Two, Experian is reporting a date of last activity of XX/XX/2020. How can there be an opened date of XX/XX/2020 and a last activity date of XX/XX/2020?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: LA
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 have unauthorized inquiries on my credit reports. I do not recall giving these companies nor the credit bureaus permission to share my credit report with these companies. This is a violation of my consumer privacy and protection. this is apparently fraud and the credit bureaus have done absolutely nothing about it. ( 15 USC 1681 ( A ) ( 4 ) ) I have attached my id so do not try any of your tactics to not validate this information and further violate me! Validation will require documentation not merely your words on a paper stating it's verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been contacting the credit bureaus for years for them to update my credit report correctly and they have refused to do so basically stating that the information is accurate and I have asked them to provide the documentation that they have been able to identify the accounts as accurate and they have not done so. I would like for the accounts listed below to be deleted from my credit report as quickly as possible because I am trying to get back on the right track.

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 2022-07-15
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently tried to deposit a {$10000.00} check advanced against my XXXX  at another bank into my checking account at Chase. Chase automatically placed a 2-week hold on the full amount of the check. In speaking with the holds department on the phone, the representative acknowledged that, per regulation, {$200.00} had to be available immediately and {$5000.00} within 2 business days, but they failed to release any part of the hold. Two days after the other bank had verified the transaction on my behalf, I had to have a conference call between the two banks in order for any amount of funds to be released. 

I just tried to deposit a {$4000.00} cashier 's check, which is part of the payment for a private-party car sale, and they told me they would be placing a hold on the full amount, and I would need to speak to someone in the holds department again. I did not complete the second deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Disputing accounts, XXXX says they dispute information on peoples credit files. But at the end of time frame you recheck file and stuff just says remains. No explanation on how information was verified. There disputing practices are very vague no written info ever given.

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 2022-02-17
Company: EQUIFAX, INC.
State: IL
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a problem with Ocwen they have done me and my Wife worng like the discharged XXXX of my loan back in XX/XX/XXXXmaking my balance XXXX an saying that my payment to be XXXX after that they sent me a 1099 misc tax form showing that they discharge XXXX i got behind on my payment again 3 months do to go in to the hospital for my XXXX this time they sent me modification and i filled it out this time they made my balance from XXXX to XXXX and made my payment from XXXX to XXXX per month plus instead of a fix rate they made a bloom loan. plus i have to pay the Government XXXX in taxes and XXXX to my state taxes because they discharge that XXXX and i see that CFPB filed charges against Ocwen. if you can help us please do so.

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 2021-06-07
Company: Tower Loan of Mississippi, Inc.
State: MS
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 made several attempts to contact each and every company after someone applied for credit using my social security number with the following companies. I noticed unauthorized inquiries on my credit report. 
Tower Loan XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And a auto loan was applied for through several different lenders on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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