BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-17
Company: EQUIFAX, INC.
State: NC
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 and Equifax are reporting inaccurate payment history on my credit report for XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX. I have never been late on any of these account and asked for these late payments to be removed immediately. Also Equifax has a student loan debt from XXXX/Dept of ED in which I have explained I haven't been to college in 30+ yrs. XXXX And XXXX XXXX removed the account however Equifax has not after repeated request along with a police report attached. There is also a collection on my Equifax account from XXXX XXXX  that can't be verified by 609 fair Credit Act that i have asked them to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed XXXX XXXX XXXXXXXX XXXX XXXX XXXX that I wanted a little more explanation on, and it needs to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



FRAUD ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX delete it from my credit report, XX/XX/2023 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
I recently learned that my personal information was used to open an account on XX/XX/XXXX with XXXX XXXXXXXX XXXX  I did not open or authorize this account, and I therefore request that it be closed immediately. I called the company personally on XX/XX/XXXX and spoke with XXXX he then told me to write a detailed letter supporting my cause, and to attach police report & or any Complaints filed.

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 2018-04-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX my ex Husband Quitclaimed The family Home to Me as we were divorced since XX/XX/XXXX I decided to get a Title search on the Home.I have No contact with My ex-husband Whatsoever And Went through a terrible Divorce so I Had No reason to trust any transactions He made.When I received The Title Search on XX/XX/XXXX I was shocked to discover My Name had been Quitclaimed off of the Home on XX/XX/XXXX, The signature on the Quitclaim Deed is an obvious Forgery and forged by My Ex Husband as it is His Handwriting not Mines.My Exhusband then put the property into a Trust then again changed the Title by Deeding the property To Himself and His new Wife on a Grant Deed as Community property.After removing My Name Illegally from The Family Home He along with his New Wife took out 2 ILLEGAL LOANS! One in the amount of {$410000.00} and the other in the amount of $ XXXX.Shocked and furious Me And My Daughter went To Chase Bank To Complain About these 2 ILLEGAL LOANS I DIDNT SIGN MY NAME ON THE QUITCLAIM DEED SO THE LOANS ARE FRAUDULENT THE TITLE IS CLOUDED.We spoke with a Rep in the Loan Dept He promptly called His Superior Who Told Him to tell Me They DIDNT CARE IF THE LOANS WERE FRAUDULENT THEY WERE GOING TO COLLECT ON THEM REGARDLESS! So I Had No choice but To Go To The Real Estate Commercial Fraud Division of the XXXX.I have A Real Estate Fraud Case with the XXXX right now The Detective was able to Establish The Quitclaim Deed was Fraudulent by contacting The Notary named on the Document, The Notary told the Detective That He Never Met Me in His Life and He did A line Item Search and Found NO ENTRY OF THAT NOTARY SEAL.I went to the XXXX to Obtain the Real Estate Fraud Report on XX/XX/XXXX, The only thing the XXXX established is that the Quitclaim Deed is Fraudulent therefore The 2 loans Aquired after the Fact Are Also FRAUDULENT but that was it! 3 Detectives Later Chase Bank is Now Attempting An ILLEGAL FORECLOSURE ON MY HOME.Now Trustee Corps a DEBT COLLECTION AGENCY SENT ME A NOTICE OF DEFAULT on XX/XX/XXXX! This Debt Collection Agency is attempting To Collect On A Debt that is Related to A FORGERY, In Violation of THE FAIR DEBT COLLECTIONS PRACTICES ACT, Also Penal Code 119 paragraph A that Says it is a FELONY TO RECORD FRAUDULENT DOCUMENTS AT THE COUNTY RECORDERS OFFICE.I would appreciate Assistance As This Has Escalated Into An Emergency I Need Chase Bank To Shut Down There ILLEGAL FORECLOSURE ATTEMPT ON MY HOME.The Sale DATE FOR THE ILLEGAL SALE IS XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender incorrectly has some of my charges and payments tagged as late. All my payments with the lender have been paid on time. I have asked the lender to correct this and have all charges and payment history marked as current in all places : including but not limited to lenders systems, statements posted for my download on lenders portal accessible by me, and all credit reports. This is not yet done.

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 2021-12-07
Company: AXOS FINANCIAL, INC.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with Axos Bank at the end of 2020. Since then they have failed to contact my home insurance company to set up annual payment ( this has since been corrected ), they incorrectly calculated my city property tax and had no interest in contacting the city to correct it. I had to have multiple email exchanges with them and multiple calls with the city to rectify this. The auto debit system will not allow me to pay the actual amount I owe. It is still set to the old amount with no option of changing it. I suspect this is why the system won't transfer the funds to my mortgage account. I've asked multiple time for them to rectify this to no avail. Every time I think they've corrected it, I get a notice saying my mortgage is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX. I was scammed and submitted a fake check to one of my savings accounts. There was multiple transactions there to transfer money through XXXX to the scammer, all of them were rejected and was not sent. I suspected that it was fraud after multiple attempts to send money to the scammer. I called the USAA Fraud Department to report this right away and to put a note on my account so they can protect me. On the week of XX/XX/XXXX, I keep seeing on the USAA app that my funds are unavailable. I thought it was a glitch so I let it be. I received a call from USAA on XX/XX/XXXX which is XXXX XXXX at XXXX, I asked them to call me back because I am hosting a XXXX party with my friends and family plus it's already too late. The person told me that she understands, and would call me back. Today is XX/XX/XXXX, and I never received a call back. I contacted USAA to know more as to why my funds are unavailable and ask them to fix it. That's when I learned that they have closed or made all of my funds unavailable without prior notice including my savings accounts that I share with my husband. They made it unavailable before informing me, before I can give any opinion on my part. I have done my part to report the fraud activity because I was the victim, but they are treating me like I was the bad person. They have closed my accounts and did not give me a chance to transfer my funds so I can pay my bills on the first week of XXXX. They made my own money unavailable. How am I supposed to buy groceries, pay my bills, and feed my kid without access to my accounts? They told me that they will not send my check or my money until after 60 days. Where am I supposed to get money to pay my bills and buy food? They have violated my right to be informed, to be heard, and to redress this situation. I was a victim, and I have been a loyal customer to USAA since XXXX as a XXXX XXXX XXXX and this is what they paid me back. This is not right. They failed to inform me before making my funds unavailable. They failed to give me a warning or a notice. They failed to hear my opinions regarding what happened. They failed to protect me as a consumer to redress this fraud activity. Please help me correct this. They are also closing my credit card accounts and this will hurt my credit history. I have never missed any payments and have an excellent credit score, but because of this, this would hurt my credibility. USAA is also the account I used to receive my GI Bill and XXXX benefits from the VA. They did not give me a chance to change anything or even update my direct deposit before doing this to me. I have no money to pay my bills and buy food for my kid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-12-29
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I bought a furniture from XXXX XXXX in XXXX XXXX for {$2200.00} and Synchrony bank provided a financing option which was 0 % promotional for 24 months. We were provided instructions by the bank on how to setup the payment etc and we followed that. The website showed an option of automatic payment and we selected the option without realizing that those automatic payments were not " equal payments '' but rather " minimum payments ''. The website didnt give an option for " equal payments '' which most of the other finance companies in this domain do. 

Fast forward XXXX we realize that the bank charged us {$1300.00} in XXXX after the end of 24 months period. And when we tried to get the explanation we were told that we were charged interest from day 1 because we missed to complete our payments of {$2200.00} in 24 months. They explained their business model which relies on such missed payments beyond the promotional period. 

We want to complain about this business practice of Synchrony bank. They are intentionally scamming uneducated people by not providing equal payment options on their website. Further, they are charging an interest from Day 1 even though most of the payment was made in the 24 months. Any financial bank charges interest on left over amount whereas Synchrony is intentionally charging from Day 1 just because they wrote in a small font size terms and conditions on the letter provided.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX-Balance {$0.00}

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 2021-05-07
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:
This is in response to a notice that I received from that the CFPB stating my claim had been closed due to you felt my complaint did not come from me. I feel that this is another attack on my character by your company. 1st you report information on my credit report that is clearly false. 2nd when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally blow me off and don't respond. 3rd then you state my complaint is not from me. I truly feel like your company is personally trying to attack my character and also ruin my life. You have caused me nothing by mental, physical and emotional stress, and if this matter is not resolved I will be forced to not only report this issue to the CFPB but also my States AG 's office as well as the FTC and XXXX 

My complaint is once again that you are reporting misleading, incorrect, false, and unverifiable information on my credit report. The date of my 1st letter was XX/XX/21 ; and to date you have failed to complete your investigation and correct the incorrect information with in timeframe set forth by the fair credit reporting act. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.

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: 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:
Experian is incorrectly reporting my Balance for my XXXX account XXXX My XXXX  account is OPEN, with a {$0.00} Balance with an {$800.00} Credit Limit. All the other credit reporting agencies are up to date except Experian which consistently lags or is slow to report accurate information especially my XXXX account.

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 2021-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Dear Sir or Madam, I do not have any identity issues with XXXX. Bank of America closed my account with no reason or explanation that anyone bothered to tell me anyway. I called and they reopened my account. Three days later, XXXX made a 21 week deposit into my account. When my funds, totaling around {$20000.00}, hit my account, they closed it again. I called and the Bofa representative answered, she asked me my phone number and my card number. Then she told me I failed verification and referred me to a branch with 2 forms of ID. She did not ask me my name, date of birth, social security number, or any other questions to even try to verify me. I asked to speak with a supervisor. The supervisor told me I had failed verification and to go to the bank. I told her to listen to the call, the representative didnt even ask me my name! She told me to go to the bank. 

Bank of America forced me to go to the bank with 2 forms of ID. I went to 2 different branches, both times I was told that I didnt have an account number with Bank of America and they could not verify me because I am a prepaid customer. They said to call the number on the back of the card. When I did, I was told to go to the bank again. I explained that I already went twice. They told me to go back again. No one will listen to me long enough for me to explain exactly what happened. 
Going to the bank wont fix my problem, I tried two times. Calling Bofa will not get my account reopened. XXXX says they have sent the form to Bofa several times to have them reopen my account. Bofa denies receiving any correspondence from XXXX. 

I know that the bank is trying to hold all the pandemic money they possibly can, but this is ridiculous, to a point I would say it is criminal. People are struggling right now they are keeping peoples hard earned money from them at any cost. It is so obvious what they are doing. Please put a stop to the disgusting greed that is going on. I cant believe they have been able to get away with it this long. 

Thank you, 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 2021-05-07
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: Investigation took more than 30 days

Complaint:
This is in response to a notice that I received from that the CFPB stating my claim had been closed due to you felt my complaint did not come from me. I feel that this is another attack on my character by your company. 1st you report information on my credit report that is clearly false. 2nd when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally blow me off and don't respond. 3rd then you state my complaint is not from me. I truly feel like your company is personally trying to attack my character and also ruin my life. You have caused me nothing by mental, physical and emotional stress, and if this matter is not resolved I will be forced to not only report this issue to the CFPB but also my States AG 's office as well as the FTC and XXXX 

My complaint is once again that you are reporting misleading, incorrect, false, and unverifiable information on my credit report. The date of my 1st letter was XX/XX/21 ; and to date you have failed to complete your investigation and correct the incorrect information with in timeframe set forth by the fair credit reporting act. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.

Company response to consumer: Closed with explanation