BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX : ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance {$550.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX A ) Balance {$490.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX  XXXX ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$320.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Balance {$550.00} XXXX XXXX XXXX Balance : {$490.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ONLINE IN SV ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX Balance {$490.00} INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-28
Company: I.C. System, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I pulled my consumer report and noticed that I.C SYSTEM, INC is furnishing negative information to the consumer reporting agencies. I am aware that as a consumer I have the RIGHT for my information to not be displayed. I also did not give permission for I.C SYSTEM INC to furnish any information on my reports. Also the timing of these payments reported are inaccurate and should not be displayed as past due or in collections. This is a direct violation under 15. U. S. Code 1666b. Please be advised that my consumer should be equitable to me at all times. I would like for I. C. SYSTEM, INC to cease all communication regarding this alleged debt. A Cease and desist letter is attached to this report. I also am exercising my rights refusing to pay this alleged debt that was parked on my consumer 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 explanation
Consumer complaint received 2022-05-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a Chase Bank checking account holder. ( Account # XXXX. ) On XX/XX/XXXX I deposited a check from my Aunt for {$2000.00}. Chase promptly restrict the account claiming the check could not be verified. And instructed me to wait 10 days. The check comes from an account holder at XXXX XXXX Bank in California. XXXX XXXX  has confirmed that Chase withdrew the funds on XX/XX/XXXX. As of today, XX/XX/XXXX, my account is still restricted and I do not have access to these funds. Please ask Chase to remove the restriction and release these funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-13
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I found out that PayPal has done a credit inquiry. I never intentionally signed up for PayPal Credit. I only signed up for a PayPal account so that I could purchase items securely online. I 've turned down many credit card offers because I heard that the credit inquiries destroy credit. Now my credit has been impacted by an inquiry for credit that I never wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
I made 4 disputes to TransUnion about an account with XXXX XXXX credit that was charged off and closed that still showed open from XX/XX/XXXX to XX/XX/XXXX. The account was closed but started reporting as open XX/XX/XXXX. My credit score dropped over XXXX points because of the error. I reported it XX/XX/XXXX, it still showed open. It was finally fixed in XX/XX/XXXX and showed closed but my score did not change. I was penalized twice from the initial charge off in XXXX and again XX/XX/XXXX when it was reported as open and lost over XXXX points in my credit score because of the error. I have asked them to fix it several times. It reports that its been fixed, but what about 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 2022-05-28
Company: Majority USA, LLC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my account with XXXX XXXX on XX/XX/22. I was planning to use this account as an online checking account and for bill pay. I had a direct deposit to my account on XX/XX/22 and was rewarded with a {$50.00} credit for my first direct deposit. 

Later, I was credited a {$5.00} bonus for using my debit card for the first time on XX/XX/22. 

I attempted to pay my credit card bill today at XXXX  XXXX XXXX on XX/XX/22, but my bank does not allow me to pay using the Majority XXXX. Since this was the primary reason I decided to open this account, I decided to close my account with Majority.

After informing Majority of my intent to close my account, Majority debited both the {$50.00} direct deposit credit as well as the {$5.00} bonus from my account. They refused to return the funds, even after I told them I would not have closed the account had I known they would remove my {$55.00}. I emailed them twice letting them know this was unacceptable but they told me there was nothing they can do and I should continue to close the account. 

This experience has left a sour taste in my mouth. I just want my {$55.00} back and to be done using the Majority app since it's clear they don't value treating their customers well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: Suburban Credit Corporation
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid through XXXX XXXX XXXX in full in 2013. Some how with the large load the medical centers have with all their patients my accounts was turned over to Suburban Collection Agency. I contacted the hospital concerning this debt and they stated this account was paid in full and they will contacted the collection agency to have this item removed from my XXXX credit report.

Company response to consumer: Closed
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX card is listed on my credit. Debt does not belong to me. Tried fixing with company, company states can not find account even if I send them information on credit bureau. The debt isnt mine Ive had a fraud alert on my credit report since 2007. No credit is supposed to be opened on my credit file unless I am called on number provided on credit report. 

This is fraud please remove. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Conduent Incorporated
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a " debit card '' through goprogram.com in the mail on XX/XX/XXXX. The card is making it " look like '' I have to use it for child support payments by placing a " Michigan Child Support '' logo in the top right corner. The misleading promotional info made me mistakenly register the card. Now it says it's going to charge me {$1.00} a month if I don't use it. I didn't realize it wasn't actually for child support and that I didn't have to use it. I called the toll free number many, many times, and there is absolutely no way for me to talk to a human to cancel it because I only activated it because they misled me. But now they're making it impossible to cancel. Same for the website, it only leads you to the XXXX number with no human option. So basically they tricked me, will be taking {$1.00} a month from me for non-use, and now I have way to cancel or close the card, which will ruin my credit score. There is absolutely no way for me to speak to a human. They basically preyed on a new single mom who has no idea what she's doing. : (

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I have a consumer credit card with Kohls.com and buy products from them and pay off the card. When a product does not work, does n't fit for example, they will not issue a credit on the card. They issue a merchandise credit that requires buying more to get the value back. 

I do n't like it. And especially in this last case, I ordered women 's shoes size XXXX, they did n't fit, and there was no paperwork to return them, XXXX paperwork. I called. They were not helpful, said they did n't have to provide paperwork. Drive XXXX miles to return them at store, they issued a card for purchasing from Kohls to compensate. I ordered size XXXX and waited, what came was men 's size XXXX, and while my name and address were on outside box, paperwork in the box showed it was a sales to another customer, in XXXX ( I am in XXXX ). Their error, not mine. And I communicated, and then after Kohls told me it would be picked up I have received two messages via email asking me to take it to the store XXXX miles away. I told them they can pick them up if they want them, and I do not accept charges for the order that I did not place for size XXXX men 's shoes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fear this will be handled the same inept bureacratic way as before. there are a number of issues unresolved please note i am getting a lawyer and have noticed Dept of treasury. if you respond with a bunch of photocopies of previous letters which still do not address the issue i will throw them out. I am enraged. In addition to medical emergency i have just been XXXX. 
i am trying to catch up on payments. and will. Meantime i had requested someone other than XXXX XXXX to work with and this is something i will not give up. XXXX XXXX has yelled at me in the past and has not been professional. I will not do my loan modification with him and i resent trying to be forced. it is wrong. I have rights and so long as you are doing this and refusing it i am being damaged. I am tired of the red tape spinning me out of control and working against our shared stated goals. 
I am in the process of deciding on an attorney. I do not want the bank to be held liable for the stress its causing me and worsening my condition. I want real help not a dumb answer i can not spend my time reading. Other unresolved issues include late fees i will not pay and can not and should not be billed due to this and more, but i need an escrow stmt too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request. 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 non-monetary relief
Consumer complaint received 2021-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: IL
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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request. 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 non-monetary relief
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: IL
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 TAKEN A LOOK OVER MY CREDIT FILE AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES REPORTING ON MY CREDIT. THESE INQUIRIES DOES NOT BELONG TO ME SO I AM ASKING THAT YOU PLEASE REMOVED THEM OFF OF MY CREDIT FILE 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 2016-06-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed inaccurate info on my credit file for XXXX with Experian for several years yet to this day the inaccurate info remains on my credit file which is hurting 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 explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 Section 2 : States A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692-c : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of Any debt. 
I also have proof of XXXX violations they also made against me and will be further pursuing monetary Relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 Section 2 : States A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692-c : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of Any debt. 
I also have proof of XXXX violations they also made against me and will be further pursuing monetary Relief.

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 2015-12-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian, I enclosed XXXX different reports from them, same creditorXXXX- XXXX XXXX account to be removed XXXX XXXX XXXX XXXX XXXX account, XXXX reports, XXXX completely different storiesI thought this creditor would be gone, so glad I checked the report. The American public has no trust in these bureaus to do the right thing when you are not watching them. I did and look what happened, they keep bogus reporting on to sell profiles to make money

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06
Company: INTERFIRST MORTGAGE COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX I applied for a loan with Interfirst Mortgage. I provided all the necessary documentation. The process seem to start off with no issues but it took them over 30 days to provide me with a loan decision. They did suspend my loan because I was refinancing my home I live in that my father left me last year when he died. I moved back to the midwest to the suburbs of XXXX to take a job that I do remote on certain days. Prior to my dad getting sick I would travel almost XXXX miles one way to get to work so i could assist him in his XXXX state. That was more important to me than the drive. I also had a roommate situation for those days in XXXX where I had to stay over for a meeting or client circumstance. I provided a copy of the lease to show them this, however all my financial statements, bills, etc were all pointed to my home in Wisconsin. After providing the lender with the documenation that this was my primary home they decided to denied me. I do understand that XXXX guideliens on a primary home. I do not currently own a primary home. I was not even given the opportunity to have the laon restructed as a XXXX home and until this day I have not gotten any written denial.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed for help with the mihaf program in XX/XX/2022 I also filed for a loan modification with citizens bank. I was working with both companies. I was having a hard time getting an application to citizens bank so I called I had the bank fix their internal problems so I could submit my documents online. Once the application was received I was awaiting a response. The mihaf program approved me to pay my mortgage. I also stated this to a representative of loss mitigations to citizens bank. Citizens bank put my house into foreclosure without informing me. They also sold my house with in 2 days and XXXX  me from my home and told the realtor who I had list the home that I was unable to sell or buy the home back. On XX/XX/XXXX my mihaf case worker contacted me and told me to contact you so seek help as this was an unlawful act. I am seeking to get my home back. When I was contacting the bank I was told I was approved for the modification although nothing was sent out to me then I was told after I was approved the turned around and denied it because the payments would be raised, this is not my first home modification and the payments has been raised and lowered in the past. My home was taken from me I was not informed I was approved or denied by the bank nor was I informed of a foreclosure and I was XXXX  from my home and not giving my six months redemption period the realtor was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: TN
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. 
Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 and XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: IL
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 TAKEN A LOOK OVER MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND INQUIRIES REPORTING ON MY CREDIT FILE. THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME. PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation