BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, unauthorized charges at XXXX appeared on my checking account at JPMorgan Chase. The amounts were for XXXX, XXXX and XXXX. I immediately disputed the charges. My account was closed and the claim was submitted. On XX/XX/XXXX, Chase sent me an electronic letter informing me that the charges were denied and I would be responsible for the all the charges. They told me that since a debit card was used and a pin was entered, that I did not protect my card and that I was responsible for all the charges. My account is now overdrawn, closed and I am in the negative for nearly 1k of charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Audit & Adjustment Co. Inc.
State: OR
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:
AUDIT & ADJUSTMENT INC. services is reporting inaccurate information to the credit bureaus regarding my credit report without giving me any validation or sufficient information regarding the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
PROSPER REPORT PAST XXXX DUE TO XXXX, XXXX PAST DUE TO XXXX AND TRANS UNION DUE THAT INCOREP INFORMATION MY CREDIT SCORES GONE DOWN I AM NEVER PAID LATE ALL PAYMENT WAS MADE ON TIME AND IT IS AGREED DUE TO THAT BAD INFORMATION THE CREDIT COMPANIES HAVE DECREASED MY CREDIT LINE AND INCREASED THE ANNUAL INTEREST ON MY CREDIT CARDS THE DAMAGE CAUSED BY THAT BAD INFORMATION HAS ALREADY CAUSED DAMAGE TO MY PERSON AS IT IS AFFECTING MY GOOD CREDIT RECORD, THEREFORE I ASK THAT YOU NOTIFY THAT LOAN AGENCY TO RESOLVE THE DAMAGE CAUSED AND I HOLD THEM RESPONSIBLE FOR THEIR ACTIONS THAT ARE CAUSING ME A DAMAGE MY LOAN NUMBER # 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 2021-07-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a few concerns about inquiries on my credit report. Is it true that in order to pull someones credit report you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CITIZENS FINANCIAL GROUP, 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:
Citizens bank reported an unathorized inquiry on my credit report specifically XXXX and XXXX. I have no knowledge of this transaction, and I want to report this suspect inquiry. ( FRAUD )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: BMW Financial Services NA, LLC
State: PR
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/2019 I received two major inquiries in my credit file from Bmw Financial Services and XXXXXXXX XXXX. I never authorized or approved to them to check my credit file. I currently have a joint account were I am a co-debtor. The main debtor of the account was checking to open a new loan and removing me from the transaction, but, for some reason the car dealer and financial institution check my credit file when I have nothing to do with the transaction. 

I never authorized anybody neither verbally nor written to make the credit inquiry. Both inquiries has impacted heavily my credit score and I am very worry of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: MoneyLion Inc.
State: WA
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 was made aware of a fraudulent account opened in my name on XX/XX/2021. I immediately contacted the company ( Moneylion ) that the account was opened with, who advised me they would open an investigation into the matter. They advised me to follow-up with XXXX  as well so they could begin an investigation as well, which I did. I didn't receive any other communication from Moneylion, or advisement of the outcome of XXXX  's investigation. When I checked my credit report, I found that the account had been 'charged off ' which I thought meant it was taken care of. My credit score took a huge dive, but I thought it was because I had charged up my credit cards during my home renovations. Come to find out, Moneylion had been sending all correspondence regarding my claim to the person who had opened the account. I never received further communication from their company, nor did I know that this small load had gone into collections. Once I realized what was happening I called Moneylion immediately to work on getting the matter resolved. Communication with them was ridiculous as apparently their fraud department doesn't have phones. I have sent letters to all credit agencies explaining the situation in hopes to get this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
AmeriHome Mortgage Company, instead of sending one monthly bill on a set schedule, sends out a new bill every time you make a payment. When a lender sends me a bill, I pay it. As such, I have made 31 payments to AmeriHome Mortgage in the last 25 months ( 6 extra  payments to this company ). In both XXXX and XXXX XXXX, I made 2 payments each month. I made 3 payments in XXXX XXXX, 2 payments in XX/XX/XXXX, 2 payments in XX/XX/XXXX and again in XXXX XXXX. I have made 2 payments in XX/XX/XXXX. As a consumer, I should be able to expect to receive one bill each month on a set schedule. I received a statement date of XX/XX/XXXX, with the payment due XX/XX/XXXX. It stands to reason that the statement date of XX/XX/XXXX should have a payment due date of XX/XX/XXXX. No, they put the payment due date as XX/XX/XXXX in both XXXX and XXXX, giving me a 2-day window to pay the XX/XX/XXXX statement ( thank God it's leap year, so I got that one extra day ). They charged a {$38.00} late fee, although they're payment system makes no logical sense and I'm 6 payments ahead of schedule. I believe AmeriHome Mortgage should send consumers one bill per month on a set schedule. Again, I have made 31 payments in 25 months, based upon their wacky billing system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: PA
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:
XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: I.C. System, Inc.
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 have been trying to contact these companies about the fraudulent activity that keeps being reported on my credit report. I have sent numerous validation request demanding a contract with my signature stating that I agreed to do business with these companies, and have yet to hear from anyone. As I am fully aware of my rights under the FCRA section 609, I demand an immediate removal of these fraudulent items from my credit report. I have sent letters via mail on XX/XX/2020 and XX/XX/XXXX XXXX please help me to contact these companies of this matter.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX  XXXX Balance : {$240.00} XXXX  XXXX Balance : {$75.00} XXXX  XXXX Balance : {$3200.00} XXXX  XXXX Balance : {$3100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capitol One took me to court in 2017 & the XXXX ruled in my favor dismissing the case with prejudice. However, XXXX has put this debit on my Credit Report & refuses to remove it although I have provided proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: PNC Bank N.A.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I am trying to connect my account to XXXX and PNC will not let me connect my account and it doesn't look like there is any other way for me add money. This happened a few months ago with XXXX, another investment app, and I keep being told that I need to invest but PNC doesn't seem to want me to invest and I'm getting fed up with this! It doesn't even connect to my XXXX anymore. This bank is feeling a little out of touch with how people are using their money in this day and age.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collection company involved is : Commonwealth Financial, XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX They call me about 2-3 times PER day during business hours while I 'm at work, I have already blocked their phone multiple times but they use a different number every time. 

The worse part however is that this debt is from XXXX, and they are reporting it in my XXXX credit report with a date of XXXX XXXX. I have already disputed this debt and got it taken off my XXXX  credit report, however XXXX has been uncooperative on investigating and resolving the issue. I had to speak with 3 different customer representatives and finally the last one begrudgingly submitted my dispute request. Their final result was that the debt was valid even though it states in the investigation document the debt is from XXXX, they still left the date of XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
regions bank went o close my account still havent refunded my money since our last dispute Regions bank just keeps charging me a fee not returning anything yes

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 2022-01-21
Company: EQUIFAX, INC.
State: TX
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 have sent multiple disputes in 2021 about this collection account on my credit report from Equifax. I have never had an account with XXXX XXXX so i do not know why it is reporting. I have asked numerous time for it to be removed to to how documentation or verification that it belongs to me. Each time Equifax keeps responding saying the account is mine but will not tell me how it was verified. They have not sent me a method of verification to this day! 
the account is : XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: WELLS FARGO & COMPANY
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:
XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  some other banks showing over limit b/c of my breach they need to to correct this asap bc im looking to buy a biz it's causing some weird scores to show up see attached documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to resolve this matter with XXXX XXXX with no success for quite some time now ; submitted formal dispute via the major credit reporting agencies, and XXXX XXXX headquarters demand verification/validation of debt/account to this day XXXX XXXX has not responded nor have they been removed from my credit file. I do not have a contract with them, nor am I responsible or liable for this debt/ collection from XXXX XXXX XXXX on XXXX/XXXX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to resolve this matter with XXXX XXXX with no success for quite some time now ; submitted formal dispute via the major credit reporting agencies, and XXXX XXXX headquarters demand verification/validation of debt/account to this day XXXX XXXX has not responded nor have they been removed from my credit file. I do not have a contract with them, nor am I responsible or liable for this debt/ collection from XXXX XXXX XXXX on XXXX/XXXX/2014

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 2019-12-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
my auto loan was paid in full with XXXX XXXX XXXX at the end of XX/XX/2019 and all 3 credit bureaus are showing it as open and a balance owed still. Why at the end of XXXX is it not showing on the 3 credit bureaus a " XXXX '' balance. This has affected my credit score as well as trying to obtain further credit. I have contacted XXXX  and XXXX  to fix, and i was told that this matter would be handled within 72 hours and it is 5 days later and despite the holiday, this should have been taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
my auto loan was paid in full with XXXX XXXX XXXX at the end of XX/XX/2019 and all 3 credit bureaus are showing it as open and a balance owed still. Why at the end of XX/XX/XXXX is it not showing on the 3 credit bureaus a " XXXX '' balance. This has affected my credit score as well as trying to obtain further credit. I have contacted XXXX and XXXX   to fix, and i was told that this matter would be handled within 72 hours and it is 5 days later and despite the holiday, this should have been taken care of.

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 2018-05-31
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company continues to take money out of my escrow and paying same person more than once putting my escrow in the rears and then they increase my mortgage payments. Also they have not sent me a monthly statement in 6 years. XX/XX/XXXX the pulled insurance payment out 2 times and each time was {$3500.00}. I wrote a letter with my concerns and also called and spoke with them and they were going to correct the issue. In hindsight they failed to do so and then again in XX/XX/XXXX same senerio but with property taxes and again they have no clue but are wanting me to pay for there mistakes. My house payment has went from {$1200.00} to {$1700.00} in 8 months time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to resolve this matter with XXXX XXXX with no success for quite some time now ; submitted formal dispute via the major credit reporting agencies, and XXXX XXXX headquarters demand verification/validation of debt/account to this day XXXX XXXX has not responded nor have they been removed from my credit file. I do not have a contract with them, nor am I responsible or liable for this debt/ collection from XXXX XXXX XXXX on XXXX/XXXX/2014

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 2022-01-21
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021, I sent in a request for verification on the account : Snap On Credit Account Number : XXXX No verification documents were sent. 
On XX/XX/2021 I disputed the date of last active on XXXX, XXXX, and Equifax. Again, no documentation was provided nor was a comment added on to my report stating this account was disputed. 
On XX/XX/2021, i sent another dispute letter stating i still had not recieved verification also they have not updated the comments stating i have been disputing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/XXXX Transunion charged my account {$.00}, XX/XX/XXXX Transunion charged my account {$1.00}, XX/XX/XXXX Transunion charged by account {$19.00}, XX/XX/XXXX Transunion charged my account {$.00}, XX/XX/XXXX Transunion charged my account {$1.00}, XX/XX/XXXX Transunion charged my account {$1.00} XX/XX/XXXX transunion charged my account {$.00}. 
All occurrences have happened even after calls made to my bank and to Transunion. My bank asked me to speak with the company about the issue so I did. After about an hour of being on hold and talking to 3 different people they said they would be cancelling my account that was not even created by myself in the first place. I'm at a loss, and have stopped checking my credit score because of these charges yet they are still being filed and I'm still being charged after I was told " My account '' that " I created '' would be destroyed. Yet since I called last and talked I've been getting charged more frequently. I have been looking for a new way to check my credit history since and am having a hard time trusting any of them.

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