BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A few months ago, I bought some anti-virus software from a scam company called XXXX. They convinced/tricked me into thinking that I was receiving a refund and that I had double the money in my checking account ( Over {$2000.00} to increase of over {$5000.00} ). They were able to accomplish this because I gave them access into my laptop using a program called XXXX. So, I returned the extra money to them with my debit card and PIN since it was n't mine, and I did n't want to cause problems with a company providing me with what I thought was a legitimate service. When I went home, I saw that my checking account was empty. I called the bank ( JP Morgan Chase ) to complain about letting this happen, due to the fact that I 've never purchased anything for over {$2000.00} in my short time on this Earth because I 'm a XXXX in my XXXX who ca n't financially support myself yet. The bank said that they could n't do anything because it was an authorized transaction. I also filed complaints with the XXXX Police Department, the FBI ( still waiting to hear from them ), and XXXX ( the transfer company that was used to send all of my money to some jerk in XXXX named XXXX ). So far, nobody has been able to help me, and for some reason, these XXXX of XXXX ( refraining from swearing on here ) are still walking free somewhere in XXXX scamming innocent people such as myself, who are n't tech savvy enough to realize they are being taken advantage of by a company with enough resources to pass themselves off as a legitimate business. 

Anyway, when I contacted JP Morgan Chase, they said they could n't do anything because it was a debit card transaction authorized by my PIN number, and I basically did everything that I was n't supposed to do. These foreigners ( not being racist, but whatever ) used pressure tactics such as threatening to destroy my computer and forcing me to get into my XXXX and drive to XXXX ' XXXX ( a store I do n't like going to ) and send them all of my money to a foreign country never to return again. I want my money back, and I want someone to pay for this ( such as throwing these dirty people into a state penitentiary in order for their XXXX by criminals who are n't afraid to admit that they are indeed criminals ). I 've had it with the people in this world, and I want some form of justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Iam a victim of identity theft fraudulent information listed below is showing on my credit file is not mine. I am officially disputing the fraudulent Information and want to investigation .Please remove the fraudulent Information immediately from my file.

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 2021-07-08
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello my name is XXXX, my credit is really new with having under 2 years of credit. Never having any financial direction, i've made a newbie mistake to credit by applying for tons of credit without knowing the consequences. I have checked all three bureaus and noticed this something that prevents me from getting my score higher to apply for more credit. I've tried to get my hard inquires removed by contacting the bank but they never heard me out & treated me harshly by simply justing asking if this was possible. They were silly mistakes which won't happen again now knowing more about credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: First Data Corporation
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I believe there is more corruption going on within XXXX, whom is now or always been tech support for XXXX XXXX XXXX XXXX XXXX XXXX Income Commissions. I previously filed about this when I used XXXX XXXX XXXX & XXXX XXXX XXXX.Now XXXX XXXX XXXX wont transfer my prospects still so can receive my commissions, also they are allowing XXXX to constantly withdraw monies from my account ( They owe me {$15.00} ) while charging an extra {$2.00} ( XXXX trasactions equaling {$4.00}, plus they have allowed forclosure.net to withdraw monies equaling {$79.00}. With XXXX XXXX, I reported this before to stop it & nothing has been done to prevent them from taking monies from my account! I contacted The Money Network/ First Data about this earlier this morning for investigation & received a call back from their fraud department & they ask for XXXX #, which I do n't give when people call me! I was told that these matters wo n't be investigated because the gentleman & his supervisor stated they needed my XXXX #, which I had already typed in the last XXXX # 's of befor ethe call was transferred. the Money Network tried to tell me they need to close my card & issue another for {$6.00}, which I refused! Please investigate XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX? Thank you all! 
From : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Chime Financial Inc
State: CA
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:
On XX/XX/22 I received an email asking me to finish signing up for a credit card w/ CHIME, a credit card I never signed up for. 

On XXXX/XXXX/22, I received an email stating that my CHIME credit card was in the mail and to verify my address. 

NOTE : I did not respond to either email ; I never confirmed by address. 

On XXXX/XXXX/22, a XXXX debit CC came in the mail. 
On XXXX/XXXX/22, I made 2 calls to CHIME, the second of which was successful in shutting down my so-called account. 

Of grievous concern- they had my social security number, date of birth, and additional personal information. 

We need to shut this down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: ALLY FINANCIAL INC.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have reached out to XXXX XXXX on more than one occasion to explain to them the debt for the car loan was in litigation. I have been trying to get this removed for over a year now. I dispute it and they send me the same paperwork over and over again. I provided paperwork and proof showing it was part of a class action lawsuit. I also provided documentation showing that the debt was supposed to be removed from my credit report and they refused to remove it. The item is on my credit report multiple times by both XXXX XXXX and Ally financial.

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 2015-04-20
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Tried getting a credit line increase on my Barclay card but had to go to their security to verify my identity. They initially pulled XXXX but then I had to talk a different representative and they pulled XXXX too and I want the hard pull removed from XXXX. I 'm very livid that they would chose to do a different pull from a credit report despite the fact that I had only asked for the standard XXXX pull inquiry. They did not inform me that they would n't be using the same XXXX inquiry from the same day but pulling from a different bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am replying to a credit card debt (#XXXX). I believe the account was already supposed to be closed. I did send a letter request to close it. According to their reply it was closed XX/XX/XXXX. Since then I have continued to receive billing statements  till now, XX/XX/XXXX.  I was charged late fees and interest charges on every statement. I had cancelled my card when I maxed it out at my $XXXX limit.According to their billing statement I now owe XXXX--a difference of over $XXXX. I do not want to pay the $XXXX balance .My limit was $XXXX and I understood that.I am attempting to get help with my debts. I need a written statement of my account that it is closed and my debt amount I am responsible for. Thank you

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 2021-07-08
Company: EQUIFAX, INC.
State: PA
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 did not consent to this negative and inaccurate information to appear on MY credit/ consumer report. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: FRESNO CREDIT BUREAU
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Creditors Bureau USA out of XXXX, CA is trying to collect a debt and reporting on my credit report that has already been paid by my insurance company ( XXXX ). The charge was originally from XXXX XXXX XXXX for {$550.00}. The insurance company claimed they weren't going to pay it at first but then eventually did pay it. The Creditors Bureau USA XXXX has been calling me and I don't owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Regions bank is my current mortgage company and when i applied for the loan my LTV was above 80 % so PMI have to be paid. After 1 year paying mortgage plus the increase of the property value my LTV is now around 75 %. I called consumer services they told me that a fee had to be paid to cover the due diligences they had to do, which was fair. One month later they returned the payment of the fee alleging that i had to be making payments for at least 24 month before requesting this review. 

This is totally illegal and abusive. Why should i be paying a PMI when based on the law is not required. 

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 2021-07-07
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mid XX/XX/2021 we were notified by mortgage lender, XXXX XXXX XXXX that our mortgage had been sold to PNC Bank and effective XX/XX/2021 all payments should be directed to PNC Bank. On XX/XX/XXXX, XXXX XXXX XXXX automated payment service deducted the XXXX mortgage bill due on XX/XX/XXXX which was then forwarded to PNC Bank as payment for XX/XX/XXXX. To my surprise, our banking information for the automated payment service was transferred to PNC Bank. ( Could be very helpful! BUT ) on XX/XX/XXXX a charge for the XX/XX/XXXX mortgage payment was charged even though they had already received the payment from the previous lender. 

PNC Bank has agreed to refund our payment but we can afford to live without the {$1800.00} overpayment until the paper check comes in XXXX days. The issue is MANY families would not be able to make this work. 

PNC Bank is preying on poor families to increase the overall quantity of overdraft fees and steal more money from these poor families. I believe the system they have established should acknowledge payments and stop any additional automated payments. Whether this is intentional or accidental the system they have established is flawed and hurts working families.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: U.S. BANCORP
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is the servicer of a now-closed XXXX credit card in my name. On XX/XX/2017 they submitted a negative item to XXXX, claiming the account is XXXX days delinquent. I have experienced this issue with this company before and I won the claim. 
They claimed to have called me about an overdue balance multiple times from a number ending in XXXX. They have my correct cell number and I can show call logs from XXXX indicating no calls to me were ever made. I called an agent to rectify the balance and I caught her saying that they only mail letters about overdue balances ; they do not make calls to get the account current. This is in violation of the Fair Debt Collections Act. Consumers are to be made aware of delinquent balances using any means on file. 
The agent told me the account was 40 days late ; not the XXXX days being reported to XXXX XXXX Since I had no way of resolving the overdue balance prior to Elan reporting it to XXXX, I have been unduly burdened. I want the account reported as " paid as agreed - never delinquent ''. This company 's practices are not in line with legal collection efforts. Consumers must be given the change to rectify overdue balances prior to reporting to the credit bureaus.

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 2017-01-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had a loan through XXXX ( now Navient ) and they pushed me towards deferment when I could not pay my entire payments. This nearly DOUBLED my actual loan cost post-graduation. I researched income-driven repayments and had to climb MANY hurdles to get there, both online and on the phone with reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Lewis, McDonnell & Associates
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a phone call from a woman claiming she had documents to serve to me. She wouldn't give her name, the company she was calling from, what the papers were in regards to. She had an account number and a phone number, which I called. 

Upon speaking with XXXX, it took prying to discover that this was Lewis, McDonnell and Associates. It didn't take much for him to imply that this was a law firm. They claimed to be serving court documents and that I would be taken to court. After some time I spoke with him and eventually got a settlement offer. I paid about XXXX of the settlement and agreed to pay them by the end of the month. 

After digging, though, I found that their address leads to a XXXX store somewhere in California. Their website is misleading, as it's essentially a template. 

While I do acknowledge this debt was something I owed at a horrible time in my life, I do believe I was purposely misled by this company with their use of scare tactics and misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Lowes issued me a credit card last XXXX 2016 and their customer service calls claim I am not current on my account. I recieve calls from Ohio and the XXXX on SUNDAYS AND HOLIDAYS. i HAVE NEVER BEEN DELIQUENT ON 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 2021-07-08
Company: Kikoff Inc.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I signed up with KikOff lending and set my payments for the monthly XXXX on AutoPay. On XX/XX/2021 I was notified that my credit score had dropped by 138 points!!!! This is a tragedy because after investigating, the payment was never taken and it should have been. Nothing changed on my end, the card on file is the same! The company does not have a phone number and I have no where to turn as I am attempting to purchase my first house. I need my points back and my payment history updated as this was NOT my mistake and ALL of KikOFFs!

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 2021-07-08
Company: U.S. BANCORP
State: IL
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:
There is a charge for {$450.00} on my Fidelity Reward Visa ending XXXX that was not made by me. The online system does not seem to work at all since I can't review the transactions or even get my statements from the online portal. Please dispute the {$450.00} fraudulent charge from my account and credit me for the {$450.00}. Thank you.

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 2021-07-08
Company: First National Collection Bureau, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have never heard of this company today. First National Collections Bureau , Inc texted me today for the first time. I have never received a validation of debt from them. I have no idea who they are or what debt they think I owe and from whom. This is a complete violation of the FDCPA. This is not a legal form of communication. I have attached a screen shot of the text message.

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