BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: Security National Financial Corp
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We closed on a home on XXXX XXXX the original loan went to SECURITY NATIONAL MORTGAge which had the first payment due XXXX XXXX XXXX. The loan was sold to XXXX before XXXX XXXX. I called Security National 2x to ask about payment due on XXXX. I never received a payment coupon and I was told by customer service if it was sold before the due date no payment would be due. The loan was sold to XXXX late XXXX. Then I got a letter in XXXX that payment was due from the security national mortgage. I did not see the letter until early XXXX since I was in another state for the entire month of XXXX. I immediately called and they said I owed them the first payment due XXXX XXXX. I explained several times 2 people with their company told me no payment was due and I would need to do my research with XXXX  as they showed they had the full amt of the original loan. I asked the rep at security national mortgage to be sure to note my account and not report anything as this was not my error and I am doing my due diligence to be sure I am paying the correct company. I had trouble with getting someone from XXXX  explain and show me the loan amt they paid for my loan. After I filed a compliant someone contacted me to explain. They confirmed they purchased the loan minus the first payment of XXXX XXXX. As soon as I confirmed I called national security to make payment. I asked that late fees be reversed and nothing show. as pass due as it was not my fault and never recieved any calls from anyone. They have reported a late payment to credit agency. I would like to have this removed immeditally. I have worked really hard to keep my credit in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: NCP Holdings, L.P.
State: WA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
It seems that my payment each month barely touches the principle. The intrest is almost at 100 %. I live in Washington State and the intrest cap is 36 %. I dont think this company is legal to do business in Washington State . The company needs to have a business license in Washington state or a bank that is legit to do buisness here. My payment is XXXX per month for 18 months for a XXXX loan. It could be XXXX loan. I went to check and the website is down at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit 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:
I received transaction email stating I purchased an item. I have not used this card for over 1 month and this charge was not done by me. I immediately called Best Buy Credit Card company and reported fraud charge. I was told it was used in XXXX other places and all XXXX charges were disputed right away. I was told that my account is locked and they will send me new credit card. 5 days later same credit card was used and charges were made. I called again and they told me for some reason card was not locked and they will lock and make those charges in dispute as well. One month later I received later stating that my fraud claim is denied and I am responsible for all the charges.

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 2023-12-14
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX i sent this company a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Apple charge card for {$5.00} late fee. Tried just paying it. Turns out my last payment was a XXXX short somehow ( I think this was incorrect ). Tried to pay it for 45 minutes both phone and online couldnt get a representative. That is sister fee anyway. The company if horrible to deal with. They just put you on hold and leave you hanging both by text and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I received a text message from what I thought was Chase Security asking if I recognized a transaction attempt on my account : respond Yes or No. I replied No and a text message came back, expect a call from Chase Security. I immediately received a call from someone identifying himself as being from Chase Security and asking if I was XXXX XXXX. He then said he would send me a code via text to verify that I was the account holder. I immediately received a text message from Chase with a numeric code which I read to him to identify myself. He did this XXXX times, over a period of XXXX minutes each time saying that he was working on resolving a problem with someone trying to use a new XXXX to access my account and asking me to hold. After a few minutes, I became suspicious and hung up and called the Chase XXXX number to see what was going on, at which time I was told that someone had initiated a wire transfer in the amount of {$11000.00} to a Chase Account in New York. I filed a report within the hour, called the local sheriff and filed a fraud report, then filed a report with the FBI and went to the bank branch the next morning and filed a second report. Each time I talked to Chase Bank, I went through the same process of being sent a security code by text to verify that I was the account holder. 
I have been told by Chase Bank that they are not responsible for my {$11000.00} lose because I provided the scammer with a security code to transfer funds. But I thought I was providing the code to Chase Security as is their process, not giving a code to have funds transferred. I have had that checking account for 45 years and never had on issue with the bank. I've never wire transferred funds to an unknown individual before and always been in good standing with Chase Bank. 
I believe that the bank is liable for the loss of my funds under Regulation E of the Unauthorized EFT Law. Regulation E Section 1005.6 ( B ) and EFT.12 CFR 1005.2 ( M ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Over the past couple months, I booked many things for a trip with my United Explorer Credit Card specifically because of the travel cancellation insurance policy posted in the benefits section in my app which states that it covers non-refundable expenses for passenger fares, tours, and hotels. The bookings for my trip included 4 hotel stays, several trains and a tour. I did not purchase separate travel insurance or refundable stays because of the coverage I thought I had based on the posted information. 

On XX/XX/ the day of our departure, we had to cancel the trip due to a covered XXXX XXXX. When trying to begin the process to submit the insurance claim, I was informed by an agent working with the benefits partner that this only covers passengers fares and was send the real policy, which despite the information linked to my cards benefits breakdown through the Chase App, does not include hotels or tours. The information in their app is incredibly misleading and had the accurate policy been posted, I would have made different decisions when booking this trip. Due to the discrepancy in their coverage policies, I am out approximately {$2100.00} in non-refundable hotels and other items that are not covered. 

When trying to resolve this with the company, the travel claims company partnered with Chase, refers me to Chase. And when I call Chase for resolution, they refer me back to the claims provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX : This account was disputed on XX/XX/XXXX  and XX/XX/. They have not investigated. Date opened is wrong. High balance is wrong. Account rating is wrong. Payment status is wrong. Date of last activity is wrong. Past due 30 days and 60 days is wrong. Date of last payment is wrong. They have no entered a notice of dispute. This account needs to be dealeted immediately. 

US DEPT ED - XXXX : This account was disputed on XX/XX/ and XX/XX/. Account type is wrong. Open date is wrong. There is no notice of dispute entered. Date of last activity is wrong. XXXX reports 40 90 day late payments. The other two bureaus report no late payments. Date of last payment is wrong. Updat account to NEVER late pays as Agreed. 

US DEPT ED - XXXX : This account was disputed on XX/XX/ and XX/XX/. Open date is wrong. Terms are wrong. There is no dispute notice entered. Date of last activity is wrong. XXXX reports 40 90 day late payments. The other two bureaus report no late payments. Date of last payment is wrong. Update account to NEVER late.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5600.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-12-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to bring to your attention an issue I have recently discovered on my credit report that requires your prompt assistance and resolution. Upon reviewing my credit report, I noticed that there are late payments inaccurately reported on the account mentioned above. Im very confused why this one seems to ignore my requests. These late payments are not reflective of my actual payment history with the creditor, and I believe there may have been an error in the reporting process. 

XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX  - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service. 

I understand that maintaining an accurate credit report is crucial for financial well-being, and I am confident that this matter can be resolved amicably. I kindly request your assistance in correcting this discrepancy promptly. 

I appreciate your prompt attention to this matter and believe that with your assistance, we can rectify this situation efficiently. A correct credit report is essential for various financial transactions, and the accuracy of the information is crucial for maintaining my financial integrity. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution, and I trust that you will update my credit report accordingly.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal per 15 USC 6802. Opting out of reporting for accounts 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
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint regarding the persistence of inaccurate information on my credit report, specifically an incorrect address and an erroneous collection account.

Despite multiple attempts to rectify this matter, the credit reporting agency has failed to remove the inaccurate information. Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to have inaccurate information promptly corrected or removed from my credit report. 

The incorrect address listed on my credit report is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX I have made diligent efforts to contact the credit reporting agency via mail to rectify this situation. However, these attempts have gone unanswered, and the incorrect address persists on my credit report. 

Additionally, I have reported an erroneous collection account by the name of XXXX XXXX XXXX, and despite my multiple attempts to have this removed, it remains on my credit report. I have records of these disputes and the requests I have made. 

I request the immediate removal of the inaccurate address and the collection account named XXXX XXXX XXXX from my credit report, in compliance with the FCRA provisions. 

Enclosed with this letter, please find copies of all relevant documentation supporting my claim, including proof of my correct address. 

I urge your prompt attention to this matter and request your assistance in resolving this issue swiftly.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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