BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a negative credit report due to defaulted private student loans. Subsequently, I negotiated with my lending company and agreed to a full and complete settlement on XX/XX/XXXX. On XX/XX/XXXX, I formally requested ( via a letter from my lawyer at XXXX XXXX XXXX at XXXX University ) that the debt collection agency ( XXXX, XXXX, & XXXX ) update that information with all XXXX credit reporting agencies. 

As of Monday, XX/XX/XXXX, my Experian credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX ( XXXX XXXX XXXX ). Visible are a " Payment History '' section, and Status Details reading " This account is scheduled to continue on record until XX/XX/XXXX. 

Likewise, as of Monday, XX/XX/XXXX, my XXXX credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX in addition to a second listing with XXXX. ( These XXXX listings pertain to the same loan which changed hands several times between XXXX, XXXX, and XXXX. ) Both of these accounts show as " open '' and " placed for collection. " My XXXX credit report was correct when I pulled it in XX/XX/XXXX. 

The Fair Credit Reporting Act creates a " duty to correct and update information '' for entities that furnish consumer information to credit reporting agencies. Because I paid a full and complement settlement of this debt, I am requesting that you assist me in ensuring all necessary changes to update and report this debt ( in all its names ) as paid, closed, and settled with all XXXX credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: MORGAN STANLEY & CO. LLC
State: CA
Product: Other financial service
Sub-product: Traveler’s/Cashier’s checks
Issue: Customer service/Customer relations

Complaint:
My issue is with Morgan Stanley and an Inherited IRA. M.S. will not release my late husband 's IRA to me of which I am the sole beneficiary. The IRA in question was not originally opened at M/S ; it was opened with XXXX XXXX. XXXX was taken over several years ago by Morgan Stanley, which meant M/S also ended up as the new owner of my husband 's IRA by default. My husband passed on XXXX/XXXX/XXXX, but I did n't pursue the transfer of the IRA until approximately XXXX XXXX. 
For the past six months & although I have requested that the paperwork from the XXXX XXXX Department be sent to me and was told it would be, it never was. 
Finally on XXXX/XXXX/XXXX, a Rep. named XXXX told me what was going on. Evidently when XXXX XXXX was taken over by Morgan Stanley and my husband 's account was taken over by M/S, someone by the name of XXXX XXXX was placed on the account. XXXX admitted that M/S does n't know who XXXX XXXX is and why she was placed on the account. This account was close to XXXX dollars on XXXX XXXX, XXXX and now it 's closer to XXXX. I do n't know who XXXX XXXX is and do n't care ; I just want to be able to transfer the money to an account of my choice. M/S should n't be able to hold my fund hostage just because they ca n't figure it out. I have been told by a XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX and more recently XXXX on XXXX/XXXX/XXXX that a compliance Manager would get back to me and get this resolved. I have told that I would get a call time after time ; well to date the only thing that has happen is the value of the fund has gone down. Can you please help me? 

THE ACCT. # = XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: AMERICAN EXPRESS COMPANY
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:
During her employment at my office, my manager used my business AMEX card for personal purchases without my permission. These purchases occurred over a period of 6 months and amounted to {$25000.00}. I've called AMEX over 2 dozen times and they claim I'm responsible for these charges since she had permission to use this credit card. 
I never gave her permission to use this card. She added her name to my AMEX account and got her own name on the business AMEX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I informed my mortgage provider that I have been unemployed since XXXX and I am unsure when I will find a job due to the covid 19 issue. They sent me a form to fill out which I sent back that stated I am unemployed and asking for assistance. My understanding is that they would provide me a forbearance offer upon receipt of the form. Instead, I am getting mixed messages from their customer service people that is it being worked on and to wait. 

I do not understand what questions could possibly exist in the current circumstances, I would rather dedicate my time to finding a job instead of trying to call them repeatedly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was denied a credit card and I opened a dispute with the credit reporting agency ( XXXX XXXX, XXXX ). The information on the report is for a Chapter XXXX bankruptcy that I filed on XXXX/XXXX/XXXX in connection with a car loan. The XXXX only negative item on all XXXX credit reports is this item and is only on from this reporting agency all other entries ( XXXX reporting agencies ) involved with my XXXX XXXX were removed after the seven year period. I uploaded supporting documents from bank that had the car loan and a letter stating my explanation for the dispute and a letter denying me a credit card. I uploaded the supporting documents three days after the date of filing the dispute as per there directions. A decision was made not to change my credit report prior to them receiving supporting documents or reading my letter of explanation. I spent many hours locating the papers to sent and to write and to upload them. Nothing was said about the documents in their response nor was there time for them to read them their decision was made prior to them receiving the papers. It never communicated that they even received them it was on my end though.The process was very hard for the average non-computer savvy person but I took them to work and had the secretary send them no PDF converter at my home computer. I have copies of previous credit reports from this agency that states this item will be removed in XX/XX/XXXX. The newest report states XX/XX/XXXX for this single item from this reporting agency only.

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 2015-12-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
More than eight weeks ago, I called the number a consumer is supposed to call to request copies of credit reports from all XXXX credit reporting agencies. I gave them all of my sensitive information plus my current street address and telephone number. The XXXX probably has a record of my call, but I have heard nothing about the requested credit reports. I do not know what to do next.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: JPMORGAN CHASE & CO.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent Chase Bank two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both in 2021 ) to request them to eliminate these accounts from my credit reports asthey are my father 's who died in XX/XX/2021. I have requested an investigation of these accounts and of any proof that these accounts are mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged these accounts so to add extra length to debts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my 3 credit bureaus reports recently and noticed some unauthorized inquiries on my credit report. I called each individual company to report the inquiries as unauthorized. However, they are still listed on my report. These inquiries are inaccurate and unrecognized by me. I am requesting the immediate removal of all inquiries listed below by each credit bureau. 


Unknown Inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX Unknown Inquiries From XXXX XXXX ) SYNCB/PayPal- XX/XX/XXXX, XXXX ) Synchrony Financial XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) SYNCB/XXXX XXXX ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX SYNCBXXXX  XX/XX/XXXX Unknown Inquiries From XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2016-08-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting an account with XXXX XXXX / XXXX which was owned by XXXX XXXX then sold to XXXX as late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This account was never late. XXXX is apparently reporting this information but they did not own the card at that time. I contacted XXXX XXXX and they stated the account is being reported to XXXX as on time and never late. XXXX XXXX said that since the account was sold they can not report the account to the credit agency 's. I am getting a run around in circles.

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 2021-12-29
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/21, XXXX emailed me about a new card which I did not request. 
XXXX closed the card and told me to call Equifax to request a fraud alert. 
I talked to Equifax and XXXX and I asked both to REMOVE THE HARD INQUIRY from XXXX on XX/XX/21. 

As of XX/XX/21, Equifax did not remove it and XXXX is refusing to give me a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: JPMORGAN CHASE & CO.
State: GA
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:
XX/XX/21, Chase emailed me about a new card which I did not request. 
Chase closed the card and told me to call XXXX to request a fraud alert. 
I talked to XXXX and XXXX and I asked both to REMOVE THE HARD INQUIRY from Chase on XX/XX/21. 

As of XX/XX/21, XXXX did not remove it and XXXX is refusing to give me a credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed several times that the frontier account was not mine. You guys keep saying that you are verifying with XXXX that the account is mine. I spent over an hour on the phone with XXXX today and they could not find me by name, address or social. XXXX from frontier sent an email of the call stating that i do n't have an account nor have I ever had an account with XXXX. He also put a copy of the escalation in the email that shows he requested for me to get a copy of this information on XXXX letter head. Im asking that with attached documentation that this account be removed immediately considering that this account is seriously affecting my credit score.

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 2016-04-01
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have has trouble in the past as well with Equifax. 
There is another person with the same name, approx 10 years younger, lives a couple streets over and obviously different as number and birthdate. 
I was recently denied credit and shown a much lower credit score than expected. The reasoning for denial seemed to indicate things that do not belong to me. 
I once again can not access Equifax due to them XXXX our information. 
Unfortunately when resolving a similar issue with them only 2 years ago they stated they only verified name and a street and linked us together. No date of birth or ss number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX refused to correct incorrect information it continues to furnish to credit agencies regarding a credit card account I closed in XXXX. XXXX XXXX reports an open XXXX XXXX Credit Card with a Revolving Account, an overdue balance, a status of past due, and missed payments. I did open an account with XXXX XXXX briefly on XXXX XXXX, XXXX, but I never made any payments on this account or used it in anyway and I closed the account in XXXX XXXX. XXXX XXXX kept this account open by mistake and mistakenly charged a {$23.00} administrative fee, despite that I had already closed the account and completed all payments. I was able to work with a customer service representative at XXXX XXXX and confirm the account was closed, and since XXXX, I have discussed this matter with other Customer Service representatives over the years, and they have confirmed that the account is closed and no payments are due. I have never received any notice of this account or any bill since XXXX. Yet XXXX XXXX continues to provide incorrect information about this account to Credit Reporting Agencies. This negative information is damaging my credit score. My negative credit score is impacting the rate at which I am able to obtain various loans and causing additional monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2017-01-17
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been disputing this information since XXXX and I have asked for debt validation information. I have not received anything validating this debt. It has been past the 45 days since the dispute has been sent to the credit bureaus asking for validation. It has come back each time as verified by the collection agency without any validation sent to me. I have also sent a XXXX violation notification in XXXX 2016 to this company. I need forms showing where I signed for these account. Also my XXXX rights have been violated once any medical information has been shared with any 3rd party agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me.Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 2016-05-20
Company: SIMM Associates, Inc.
State: DE
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I never knew about this payment from XXXX. I have never made a late payment and now I see this has been sent to collections. I was not aware of this payment. My credit score is extremely low and I have been working hard to keep good credit. If I was never informed about a payment how is that fair that it is sent to collections because like I said I always pay things on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for Citigold Checking a couple months back with the AA miles promotion. I verified twice that I was both eligible and I met the requirements for the bonus ( two attached screenshots ). 

At that point they said to wait until XXXX for the points to post. I contacted them again today ( XXXX ) and now they said the bonus does not apply to me because I was n't targeted. I 've been charged a {$30.00} service fee in the meantime.

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 2016-07-19
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted my current mortgage company about a refinance. I spoke with the agent for about 20 minutes. I was very forthright. I disclosed we had a 2nd mortgage and would like to roll it into the current. She said we would easily be able to refinance and lower our payment and interest rate. She took my credit card info and said there would be a {$13.00} fee to get us started. We ran into some issues with the 2nd mortgage, decided to just refinance that separately. Again, she said that would be perfect. We had the appraisal. The house according to their appraisal was lower than expected. Again-she said that would n't be a problem. We refinanced the 2nd mortgage through the other company. Sent to it to the mortgage company. Again-perfect. Then we were told that the interest went up and it was n't really worth it to refinance. Also, they had charged us {$600.00} ( appraisal and other fees ) Now we were told that would n't happen. That we would n't be charged unless we were approved, etc. I was hesitant to even do this as my husband was injured and has n't worked in over a year. I would never spend {$600.00} on a 'maybe ' as that is almost our entire mortgage payment.

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 2021-12-29
Company: JPMORGAN CHASE & CO.
State: OH
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 used my Amazon Prime Visa Chase card to purchase XXXX on XXXX on XXXX XX/XX/2021. I returned it and then after XXXX banned my account! So that I can not trace my return. So I disputed the charge from my card. Then what happend was they rebilled that charge on my account on XXXX XX/XX/2021. I have proof that I returned the product and XXXX also received it. But Bank is not responding anything with that. They told me that charge is valid. I contacted XXXX and they are saying we processed your refund ask your bank. Bank is asking me to ask XXXX. Im tired of this thing. While I have the proof. Im a XXXXXXXX XXXX from XXXX and I really didnt expect that The XXXXXXXX XXXX and companies will do this type of thing and will harass the customer like this. Im really really tired of these guys. Ive no idea what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I received a letter dated XXXX/XXXX/2015 from Chase Executive office stating that they are investigating my concerns. Well that in fact is a real way of insulting me. I received XXXX a call from XXXX Chase who left a message for me to call ASAP the first chance I had was today and the person I spoke to stated that they had conducted their research and felt that they would not be changing their minds and there desici0n stands the same. 

This to me is a way of harassing me and degrading me because I had paid this balance off without any delays and paid them finance fees and suffered greatly from the situation which concerned lodging at XXXX that was infested with bed bugs. They contacted me with the last letter I uploaded regarding the credit they had not made to my account for the amount that was disputed. This is by far a way to harass me and treat me like a liar. I went through an extensive period of cross examination and had to show them a lot of proof to file a claim and they treated me like the bottom of the barrel credit card scum they are This is from Case number : XXXX

Company response to consumer: Closed with explanation