BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My identity was stolen

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 2019-10-18
Company: EQUIFAX, INC.
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:
The credit bureau is showing a fraudulent account on my credit report from XXXX XXXX XXXX on my credit report for {$560.00}. I have contacted XXXX XXXX several times regarding this. Just recently, I sent an identity theft fraud letter to them along with a copy of Identity Theft Report that I have included in this complaint. I can not seem to get no where with about this matter. I have placed fraud alerts on all 3 of credit bureaus as well. I would like the credit bureau to please take care of this issue as I'm having such a hard time getting this removed off my credit reports. Please investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I live in XXXX OR On XX/XX/XXXX a Chase bank employee in North Carolina accessed the joint checking account I have with my husband and wired transferred {$8500.00} out of it without our permission. We filed a complaint the same day this occurred. On XXXX I spent time talking with 4 different people before I was told I was talking to the correct person that could handle the claim and was told the claim would be resolved in 5 business days. 
On XX/XX/XXXX a representative from my local XXXX OR branch called me and had someone from the claims department on the phone. the person in the claims department told me that they never received the complaint. They told me they would mail me a form, I would need to fill it out and then they would resolve the claim within 5 business days once they received the form. We did not receive the form until XX/XX/XXXX. On XX/XX/XXXX my husband and I went into our local branch filled out the affidavit and the banker faxed the form to the complaint department. Later that week I received a call from the chase escalation department that the claims department was waiting for my affidavit. she wanted my local banker to fax her all of the forms. I took all of the forms in but the escalation department waited 2 days to contact my bank and fax the information over to the claims department. 
I have jumped through every hoop that Chase has asked of me and as of today XX/XX/XXXX I still do NOT have my money. I also went through the process of freezing my husbands credit. we still do not know if the banker in North Carolina accessed our account by mistake, if it is identity fraud or if the banker intentionally removed the money from our account. 
the wire transfer went to an established Chase bank account in New York. That is all I know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Block, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
The issue is with cash app and on two occasions now they have taken money out in the amounts of {$93.00} and {$69.00}. I verified with the merchant of {$93.00} they already received the payment back in XXXX then I was charged again for that purchase randomly in XXXX. Today {$69.00} disappeared out of my account Im unsure what purchase or merchant is was for because I was not given any explanation. Cash app is saying it was due to a technical error both times yet is refusing to provide any proof or documentation of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The bank credit card issue a check in the amount Of {$3800.00}. It was a refund on overpayment. 
on XX/XX/XXXX XXXX XXXX  called to verify if we had endoresed check to another person. He had stolen check from mail box. I told them no and XXXX  XXXX told me bank of america would need to pull funds back so we could get the money back XX/XX/21 i called bank of america told them what happened they said they would do it and that it would not be a problem. 
Since them i have called them numerous times been transferred to multiple departments and no one has been able to resolve issue. 

i have called so much i started to keep notes since XX/XX/21 i have called and this are times i actually started to keep notes because even when a manageXXXX was contacted no notes were written on my account. 
XXXX I have ID numbers for people that i have spoken but not getting an answer.

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 2019-03-21
Company: EQUIFAX, INC.
State: OH
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:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations of my name. I am no longer affiliated with these addresses I would like to have my credit report to reflect true up to date that is accurate information. My current address is XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14
Company: PLANET HOME LENDING, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My wife and I have 2 parcels on the current mortgage. We live in a home on parcel 1. We wish to build a new home on parcel 2. To do so we need to have parcel 2 released from the current mortgage. Planet Home Lending ( after weeks of waiting ) sent us a checklist of items ( 10 ) to prepare and send back to them. When attempting to complete item 8 on the checklist, the appraiser we contacted informed us only the bank could contract an appraiser in our state. I advised Planet Home Lending of this on the phone on XX/XX/2019 and was told to just complete the other 9 tasks and they would handle the XXXX. 
On XX/XX/2019 I sent the completed packet to Planet Home Lending. Their paperwork stated it would be a 4 to 5 week  process. 
On XX/XX/2019 Planet Home Lending deposited our check ( a fee for processing this partial release application ). 
On XX/XX/2019 I spoke with " XXXX '' at Planet Home Lending. He stated their most recent notes showed they sent me the checklist but nothing further, they had not received it. I informed him my check had been deposited by his institution and voiced concern. After placing me on hold, he returned to tell me they did in fact have my application. I was also told it was still under review by the appropriate department. 
As one can see, it has been longer than 4 or 5 weeks. Planet Home Lending deposited my check approximately 9 weeks ago and I have yet to see any action taken. My builder for the new home is kind enough to keep reminding me the prices keep going up. Planet Home Lending 's feet dragging and lack of action is costing me additional money as well as keeping my family from building and moving in to our new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$180000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$160.00}

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 2020-07-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Good morning, not sure if I am talking to the right person. I have been trying to get help and advice from several places and no one can give a answer. I purchased a home in XXXX of XXXX  through XXXX mortgage for XXXX which was on a foreclosure. The home was worth at least XXXX if not more at the time. Our loan has been sold so many times and each time the loan sold they added the PMI which I called and asked why I was paying a PMI and they stated that our home was not able to remove the PMI, so I let it go not knowing what was going on. We have recently refinanced our home through our local bank. Which we found out that we should of never paid PMI as our home is worth XXXX. Also our last lender required that our escrow account to have a surplus in the amount of XXXX I thought was odd. That being said our new lender stated that we should be getting the escrow amount back as it is law, they have to send us our money back as we are going into escrow at this time that we had enough equity in our home to take the escrow out. I have just recently received a statement from our previous lender stating our escrow balance was only XXXX at that time I had called the last lender and asked where the money of our escrow surplus had gone, they stated that I needed to pay off the PMI of the remainder of the loan, and that they had to pay my insurance company my premium, which was already paid. As on the phone with them i was going though my escrow payments with the person helping me look through. We found a few problems. My house insurance was paid 2 times in the wrong amount and that they stated they got the bill from my insurance company for that amount. Talked to the insurance company today and they stated they never sent them a bill for that amount nor where they got that number from. this company is taking my money and will not return it to me. I am at a loss and not sure where to go from here nor who to talk to. Can you please help???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: AZ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$430.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Roach & Murtha, P.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a call from Roach & Murtha on 2 occasions. The 1st call was sometime in XXXX and the second call was on XX/XX/XXXX at XXXX est. The reps name was XXXX. In XXXX I noticed he failed to read the XXXX XXXX and verify my information and just started disclosing my personal info without know who he was talking to. He just assumed it was me. I did not pursue the XXXX violation because I owe the money and I did not mind paying it. On XX/XX/XXXX at XXXX est. XXXX XXXX collector did the exact same violation. He failed to read the XXXX XXXXXXXX, he failed to XXXX who I was and he opened up the conversation saying " XXXX this is XXXX from XXXX and XXXX, when are you going to make the payment. I responded and said I have a 10 day grace I will pay in the next couple of days. '' I ask " Hey XXXX your company does not verify information or disclose the XXXX XXXX '' He responded verbatim " We only XXXX  XXXX on the XXXX contact '' which is a violation of the FDCPA. The XXXX XXXX must be read on every attempt to collect a debt. XXXX XXXX failed to disclose on both Contacts. He did not ask for my address last 4 of the social and basically was in violation of the 3rd party disclosure as well. He had no way of know who I was if he failed to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: J. Ritter Law P.C.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On Wednesday, XX/XX/2021, J Ritter Law PC contacted me in an attempt to collect a debt. They knowingly gave me false information regarding whether or not I could resolve the debt with the original creditor. I had rented a textbook which was not returned at the time of the aforementioned call. I asked if I could simply return it to them, and was told that I could not do that and it would not resolve the debt. I called the creditor ( the bookstore ) and they informed me that if I returned the book all attempts to collect debt would stop and the issue would be resolved. J Ritter Law PC knowingly and wrongfully gave me false information regarding my debt in an attempt to get me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$7000.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Bankruptcy Reference # : XXXX Date XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent the attached letter to Capital One. I also called to try to resolve the issue. When COVID-19 forced the closing of my employer in XXXX of 2020, I called immediately to discuss options. I was not late then, but I asked what I could do in light of what was happening. The representative was kind. She said that, for three months, no late information would be reported on the card. I then called XXXX XXXX XXXX to set up this account with a payment plan. Capital One refused to work with XXXX despite their attempts to pay the bill, despite what they told me over the phone. Attached is documentation that 1 ) shows the late payments on my credit report, 2 ) shows my employer was closed, 3 ) shows I acted within the bounds of the CARES Act during COVID-19 by calling and with XXXX calling , and 4 ) shows payments which were not applied to my account.

Company response to consumer: Closed with explanation