BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: CITIBANK, N.A.
State: MI
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:
Called Macy 's after I had been getting a call that the caller ID said was " XXXX XXXX XXXX. '' The most recent one was this morning ( X/X/17 ). Did not pick up phone because of recent scams. Researched online, and many others surmised this was a scam because their account had a XXXX balance. Since I have also not used my card, I was not concerned, but decided to call Macy 's directly. If nothing else, I could inform them of this scam. This call was just before XXXX. I called the phone number on the back of my card ( XXXX ) It was not working. I therefore called the nearest Macy 's, and they gave me a phone number to call regarding my credit card ( XXXX ). I had not used my Macy 's account for months, and have not received a statement. I was shocked to learn that I had a {$1700.00} balance on my account. When I said these charges were fraudulent, the representative suggested that I purchase insurance for a figure of over {$1000.00}. I then called XXXX, who routed my call to Consumer Protection ( XXXX ). After speaking with the gentleman there, I again called Macy 's. I spoke to someone named XXXX XXXX, and told her that my card had been fraudulently used, and that I would like it to be reported as stolen or cancelled so that no more charges were made. She tried to connect me to a phone number ( XXXX ) to report the charges. After a few attempts, she told me that nobody was available, and that I should attempt to call them myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, 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:
The following inquiries have been listed on my report inaccurately : 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 These accounts are not mine XXXX nor are they associated with any open accounts. The number of inaccurate inquiries is affecting my report heavily and they need to be removed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
I filed for bankruptcy in 2016. When the clerk at the bankruptcy court entered my case information, they forgot to add my XXXX XXXX XXXX to my bankruptcy despite the information being in the filing documents. The bankruptcy clerk, instead of amending the filing to correct their error, dismissed and refiled the bankruptcy under a different case number. My credit report shows I have two bankruptcies from 2016, which is greatly affecting my credit score. I provided the credit reporting agency with the document from the court indicating that they made an error, and refiled the bankruptcy. The credit reporting agency LexisNexis refuses to remove the bankruptcy erroneously reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CURO Intermediate Holdings
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX KS XXXX XX/XX/2022 Re : Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 around XXXX, my credit was ran for american express twice

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: SYNCHRONY FINANCIAL
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:
XXXX 's client XXXX XXXX is an identity theft victim. An account was opened with SYNC Bank/TJ Maxx with his information without his consent X/XX/2017 and a balance of {$1200.00} was established shortly after the account was opened. A formal dispute of this account was mailed, certified return receipt to SYNCB/TJ Maxx X/XX/2017 and was received and signed for. SYNCB never replied to our client concerning the status of the dispute ans as of today a credit report from XXXX shows the fraudulent account with the balance associated is still being reported. A second dispute of this account was sent to SYNCB/TJ Maxx. This is a clear violation of the FCRA and XXXX XXXX 's federal consumer 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 explanation
Consumer complaint received 2017-06-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I sent a rent check to my landlord on  XXXX   XXXX ,  2016  and in  XXXX  the landlord told me they never received the check ( #  XXXX  amount {$1300.00} ) so I immediately went t o HSBC (   XXXX   XXXX ,  XXXX , NY  XXXX  ) and got a copy of the check, the check was fraudulently endorsed and cashed. I then filled out an Affidavit to start the investigation to be reimbursed. I went back to  HSBC after  a couple weeks and was told the check ( #  XXXX   ) h ad been cashed at a   XXXX   XXXX    XXXX  and they were waiting to get the funds from them. I have called and returned to the bank several times and I am still waiting on this investigation. I have not been reimbursed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Wells Fargo and wellsfargo told my insurance company that I did not live at XXXX XXXX XXXX and XXXX XXXX  cancel my insurance and went I call wellsfargo I was told the people come out to see if any one live in the home .like I told wellsfargo I was on the phone with u all with the man came out and I told him what are u doing here and the man told me I 'm here now so u call them this is how I get paid and wellsfargo claim they was going to call XXXX XXXX  and they never did so I had to get insurance with XXXX XXXX I been with XXXX XXXX for 14 year and I real like XXXX XXXX wellsfargo is so racism prejudice so now I have insurance I such not have .so that not all then wellsfargo came up with they did not get my payment so I send them the copy of the cancel check and them they told I old we found the paymeant wellsfargo do the most and I no a lot of people having trouble with wellsfargo. Wellsfargo wait for XXXX XXXX to get there home mortgage down to low and them they start said we did not get your payment I have at least 6 people who live on my block that have been having trouble with wellsfargo three of the are XXXX and wellsfargo did not harass these people like they are doing the XXXX XXXX XXXX do not have a job or no income and he is behind at least 3year with his mortgage and he is not in foreclosure they are trying to work out something with him so he wo n't loose his home.he show us the paper work and all we can said is wo .XXXX XXXX is all so XXXX and he is behind on is mortgage XXXX is about 13month XXXX XXXX is XXXX and is man is about XXXX and wellsfargo told him they have not been received is mortgage and went is sister send them copy that he paid they are still said he is behind wellsfargo need to be stop this is an old man I no XXXX XXXX because my Father and XXXX XXXX retired to gather and they keep in touch this is really sad for this mortgage company wellsfargo is doing this to XXXX people something need to be do n't to wellsfargo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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:
The following inquiries have been listed on my report inaccurately : 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 These accounts are not mine XXXX nor are they associated with any open accounts. The number of inaccurate inquiries is affecting my report heavily and they need to be removed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It's not my account, i never applied for it, i never received any benefits from this company. 
i didn't sign any contracts or agreements, they don't have any documents to proof that this account belongs to me. I was victim of Identity Theft, somebody stole my personal information.

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 2021-06-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
hi JPMCB AUTO ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX  for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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: Their investigation did not fix an error on your report

Complaint:
Experian continues to violate my unalienable and federally protected rights by reporting incomplete and inaccurate information in my credit file. They do not follow reasonable procedures to ensure maximum possible accuracy as required in the FCRA. I have filed several complaints through CFPB, only for Experian to enter a new dispute, in which I did not request. What I demanded was for them to provide me with proof that they have the authority to furnish my information and proof of the method of verification, which they have not. This last complaint submitted on XX/XX/22 they did a reinvestigation of an account that I did not even request. This is how I know they are fraudulently reporting inaccurate information to my credit file. Who gave Experian the authority to store or house my non public personal information? I have NEVER given Experian the authority or power to furnish my information, Experian does not have the right to make decisions on who my information can be shared with! Experian does not have the right to enforce me to participate in their business practices. Is Experian an actual consumer reporting agency? Experian is pretending to have a vital role furnishing private information with no authority. Experian deliberately pretending to have a fundamental concern or right in furnishing my private information with no authority is an invasion of privacy. Experian continues to respond grossly, and I intend to sue.

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 2019-12-05
Company: MoneyLion Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
This company advertises overdraft protection and no overdraft fees returned an item that would cause the overdraft. When I requested that an item be paid the company refused even though I had a deposit in process in the account for the next business day. Very deceptive advertising practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase Mortgage sent inspectors to intrude into my property unannounced and make harassment calls. They are also charging me fees for this process. The mortgage payments are up to date, I requested Chase to stop this type of harassment as it 's not warranted. I have been a long term customer with them and have several accounts. This is not acceptable and not a fair treatment of the customers in good standing but with financial difficulties due to loss of income.     This is what they stated : Date :  XXXX   XXXX  From : Home Finance Support Subject :  XXXX  : Payment Inquiry Message :  XXXX  Hello   XXXX   : After reviewing your email, I can certainly understand your wanting to get this taken care of in a timely manner.   My name is  XXXX  and I am happy to assist with your escalated request regarding the recent inspection fees that were applied to your account.      XXXX , whenever a loan is  XXXX  calendar days or more past due, a property inspection is completed to determine whether the property is vacant or damaged. We charge a {$14.00} property inspection fee and we send are  XXXX  party vendor  XXXX   XXXX   XXXX   XXXX  to inspect the property.     Unfortunately, the inspections are permitted by your Security Agreement and the Department of  XXXX   Housing and Development   (  HUD ) guidelines. Since your  XXXX    XXXX   payment was received until  XXXX   XXXX ,   XXXX  , we ordered an inspection of the home to ensure the home was n't vacant or damaged.     We apologize for any inconvenience this temporary problem has caused and are committed to delivering the best service possible.     Sincerely,  Chase  Escalations and Support Services ( ESS )  XXXX   XXXX  TTY/Text Telephone www.chase.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-05
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX sold my loan to Specialized Loan Servicing ( SLS ). I WAS NEVER NOTIFIED. My autopay was subsequently not changed to reflect this change. The loan was reported to credit bureau as not paid. Please see attachments. 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 2022-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am disputing a charge of {$1700.00} to XXXX XXXX Co. They never did the work that they were paid for. I had to have the fence installed by another co, XXXX XXXX XXXX Co. 
I have finally received a refund receipt in the mail, yet I sent it to Capital One and they still have not given me the credit that I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: JPMORGAN CHASE & CO.
State: CA
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 flew to the XXXX on XXXX XXXX airlines with my family in late XXXX. Whilst I was in the XXXX the airline went bankrupt and I had to purchase a last minute flight home. I put in a claim with Chase Credit card for a full refund of the XXXX XXXX flight with the justification that XXXX XXXX did not provide the service of bringing my family home from the XXXX ( Transaction post date of XX/XX/2019 - {$1200.00} ) That request was rejected by XXXX XXXX  receivership bank. 


I called up Chase in order to continue the dispute. I talked to a supervisor there who stated that I should try and claim back a partial amount. We agreed on half the amount and that Chase would send that request in for me and that I should call back 2 weeks later. I called back one week later and was told that the claim was processing and that I should call back in a week. When I did call back a different supervisor told me that they had in fact done nothing because I was supposed to send them a secure email to tell them to try and claim half the amount. I then did as requested on XX/XX/2019 and sent a secure email to request the half amount back Today ( XX/XX/2019 at XXXX PST ) I called back to check on the status of the claim. The supervisor told me two things : 1 ) That the claim was now over 60 days and they could not do anything.

2 ) That they are under no obligation to ask for half the amount  given that the other financial institution had rejected the first amount. i.e. They never actually put the request in for the half amount claim of {$610.00}. 


Note that It was over 60 days because of the incorrect information Chase provided me over the phone ( I lost at least 15 days where I was told that they had put the reduced claim in ) and I also can not believe that the bank has no obligation to request a different amount based on the initial response from the other institutions bank. 


On the final call I also asked if there was an independent group I could make a complaint to. The supervisor did not mention the CFPB at all and informed me that all complaints were handled internally by the Credit Card Dispute office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX sold my loan to XXXX XXXX XXXX XXXX XXXX XXXX. I WAS NEVER NOTIFIED. My autopay was subsequently not changed to reflect this change. The loan was reported to credit bureau as not paid. Please see attachments. 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