BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a letter back in XXXX... XX/XX/XXXX ... and I DID NOT receive a re-investigation as requested. That is a violation of my rights! 

Please have this company RE-INVESTIGATE my accounts because I have reason to believe that they are reporting inaccurately. 

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 explanation
Consumer complaint received 2021-06-21
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My husband had a credit card for XXXX XXXX and the account was discharged in a Bankruptcy. XXXXXXXX XXXX sold the account to Midland Credit and now they are trying to collect from me for the same amount that was discharged. My husband s lawyer had contacted Midland Credit and they then removed it from my credit report. Now they are again trying to collect from me and are sending me notices. What do we have to do to get them to stop? This is the 2nd time I am dealing with this same issue. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
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 information incorrect

Complaint:
Item disputed XXXX XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX Issue This inquiry is fraudulent. 

NEED TO BE REMOVED FROM MY CREDIT PROFILE FOR FRAUD. I DID NOT REQUEST, AUTHORIZED OR WAS INFORMED ABOUT THIS. THE CREDIT COMPANY ITSELF MAILED A LETTER OUT XX/XX/21 TO HAVE IT REMOVE BUT IT'S STILL BEING REPORTED.

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 2021-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
I was receiving unemployment in the state of Nevada. They issued a debit card to me. It was good for a couple of months, but in XX/XX/2021 the account was emptied ( XXXX ). 
I called Bank of America. They made a report and said this is happening all the time right now. They cancelled the card and said they would replace XXXX provisionally ) the money while they investigate and issue a new card. The two withdrawals were from places that I have never been. I got the new card and continued to make my weekly claims via telephone. When i tried to activate the new card it said it was closed. I called BofA and they said the state froze the account. Nevada Unemployment ( DETR ) has not answered any of the phone numbers available for weeks. The phone goes straight to a message that says they are busy. I have tried everything ... BofA says Nevada is not responding to anyone and blaming BofA. They said Nevada DETR froze the accounts and that only DETR can act to solve the problem. BofA says that 75 % of all of their calls are about this problem right now and the state is doing nothing to get people their money or respond. One person said it is because the state did not want to pay for chipped cards. The old style cards can be " skimmed ''. 
Please help as the State of Nevada including the Governor 's office will not respond. I have also been told that the state representatives are threatening people that are complaining. If this is true, that is egregious!

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 2023-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX unable to get my updated credit score from Equifax using credit karma or Equifax.com, I called and they said theyre working on it .. Equifax says XXXX give us a call and give this code to the Agent : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX XXXX ). 
I called. XXXX said theyre working on it.!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Chase Bank tried pulling my credit on two different occasions that hurt my credit. I never applied for credit through Chase bank in the past few years. I want these removed from my credit report. Someone must have stolen my identity. I am looking into how to fix that too. 

JPMCB CARD Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Hard inquiries JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX JPMCB CARD Inquired on XX/XX/XXXX On record untilXX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
on XX/XX/XXXX my online Navy Federal bank account was compromised through a trojan virus where several fraudulent activities were made on my account. 

First I have two credit cards with this bank that you can manage through the online banking cash advances were made on both cards one for XXXX and another for XXXX these were both transferred to my checking account where a XXXX ach transaction was made taking a addition XXXX dollars from my checking account. 

I immediately contacted the bank the same day where they reported them as fraud and tried to put a hold on the ach transaction, this hold did not go through and the funds were transferred. I found the virus most likely responsible which is known to steal financial information and is able to install remote access on the infected pc. Weeks later they contacted me and told me that my claim was denied. I sent a appeal which I was never contacted for and they said it could take months to get a decision on. I recently called to learn I was again denied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15
Company: Nationwide Recovery Systems, Ltd
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:
On XX/XX/XXXX, I checked my credit report on XX/XX/XXXX and saw an unfamiliar report on my account. The original creditor is XXXX XXXX XXXX XXXX for the amount of {$1200.00} opened on XX/XX/2021. Ive never heard of this place nor visited. I called the company and couldnt get any information. I have done more research on my own and noticed this is happening to many others. This company is terrible and reporting fraudulent activities hoping we would pay without investigating. I want this report removed from my account before it damages my credit more than it already is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
BofA did not give full disclosure of their intentions with my social security number, properly autographed/ endorsed documents, nor to me being a co-signer pursuant to federal law 16 CFR 444.1 ( k ). BofA did not disclose that there would be an alleged debt pursuant to the emergency banking act [ HJR 192 PL 73-10 ]. BofA agents instructed that I sign as borrower, which is a direct violation of the FDCPA ( Fair Debt Collection Practices Act ), forcing a " consumer '' into an illegal contract. Which included installment payments which is illegal because interest secures all debt obligations in the UCC ( Uniform Commercial Code ). I made the accommodation ( initial extension ) of credit in full consideration / satisfaction for the service obligations to BofA by my signature/ autograph transmitted to BofA pursuant to UCC 3-419. The actions of BofA have been and continue to be false and misleading representation pursuant to 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) and 15 U.S. Code 1692 ( e ) ( 2 ) ( B ). BofA has no interest and is not on the original contract.

BofA actions are also in violation of TILA ( Truth In Lending Act ), whereby they did not disclose to this consumer the right to rescind within 72 hours. There is a rescission clause in every contract. given to you with my credit card defined in [ 15 US Code 1602 ( L ) ] and it reads The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I gave you my social security number on a credit application, which is a negotiable instrument, properly indorsed, and you have not released the credit due me.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and noticed unauthorized inquiries on my credit profile listed as follows : 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 non-monetary relief
Consumer complaint received 2023-03-09
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
On ( XXXX, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: CURO Intermediate Holdings
State: TN
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 in response with your recent claim that I owed you. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to placed it for a collection with profit loss write off. 
Should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful noncompliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result lawsuit against your company. FDCPA Section 807 ( 8 ) If you can not validate the debt it gives valid reason to remove and delete it from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Social Finance, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We set up auto pay on Sofis website to avoid any late fees. XXXX and XXXX XXXX payments were made. Looking at the payment history these 2 payments were credited to our account in error. So 2 payments in XXXX and 2 in XXXX. This equaled 4 payments instead of the 2 we made. This error was noticed in XXXX and 2 payments reversed. 4-2=2. However because correcting Sofis clerical error resulted in 2 reversals in XXXX it showed we did not make XXXX payment which in fact we did and it was received XX/XX/XXXX. So it showed we were delinquent and behind on payments even though we were not so then it kicked off the auto pay for XXXX. So Sofi tried saying we were late for both XXXX and XXXX. They have since sent harassing mail to help with mortgage payments and have called my employer when all of this directly reflects their clerical error. I brought it to their attention on XXXX and today is XX/XX/XXXX with no resolution in sight. I called XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX spending over 2 hours on each phone call between wait time and talking with a representative. The representatives not only were rude but claim they did not see the miss accounting with 2 payments in XXXX, XXXX in XXXX and several said they saw the reversal but didnt know what happened and could put in a ticket to investigate it. No one can give me updates. They cant transfer me to anyone to follow up. No supervisor can call me back. They even sent me to collections department rather than acknowledging their error and fixing the situation to show I did make the XXXX payment. Since their error resulted in XXXX payment not being drafted we wanted to wait till XXXX was accurately posted to make the XXXX payment however in the mean time finally yesterday XX/XX/XXXX out of fear of my credit showing Im behind 2 months mortgage I made 2 more payments ( a second one for XXXX and my XXXX ). This now us making 4 payments for the year- 1 in XXXX, 2 in XXXX and 1 in XXXX. I did not want to make 4 payments to be credited for 3 months of payments. I had to because Sofi conducted a fraudulent act by taking my XXXX payment and not posting it accurately then harassed me to make a payment that I already made

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Chime Financial Inc
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I noticed two charges to my Chime credit card from a XXXX XXXX XXXX in California. I live in XXXX Oregon, and no one has access to my card but me. I immediately dispute the charges, cancel my car, and file a police report. 

On XX/XX/XXXX chime denies my claim, and refuses to refund my stolen money. I call their call center, and they say there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Specialized Loan Servicing Holdings LLC
State: AZ
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:
In XXXX, due to separation and divorce, and failure to sell the home resulted in a foreclosure with the home being sold in a Trustees sale in XXXX. Much like any forclosure, the sale amount awarded was not enough to cover the loan amounts. Because Arizona is an anti-deficiency state ( A.R.S. 33/814 ( G ), the amount not covered was charged off/discharged. In XXXX of this year, XXXX, I discovered through my credit reporting site that XXXX XXXX XXXX was coming after us for the deficient 2nd mortgage loan balance which was handled by Specialized Loan Servicing. I was completely shocked and taken back by this, as I had put this unfortunate event behind me since it had been nearly 5 years after the fact. In my shock, concern, and collection ignorance, I contacted and paid XXXX XXXX XXXX  the sum they agreed to settle for. I am filing this complaint because I am trying to purchase a new home and due to the way this was updated/unfolded, it has negatively impacted my credit standings with the bureas. Specialized Loan Servicing sold the debt to XXXX XXXX XXXX ( a licensed collection company, not a mortgage loan provider ) which updated the mortgage load to a current time " negative '' status, which has now voided my forclosure seasoning to purchase. This is clearly a violation or the FTS 's FDCRA. Because of erroneous and deceptive collection tactics and practices, this tradeline needs to be removed from my credit profile with the bureaus.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents, the personal information you are reporting are not mine.

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 2021-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 around XXXX I received a text supposedly from the BOA fraud alert in which someone tried to XXXX themselves {$3100.00} from my bank! So I said NO Then someone from Bank of America Frauds department called, same exact number. Said someone tries to send money out of my XXXX app. I got suspicious so I hung up on him but then he called me from Bank of America official phone number. Then he said to recover the funds, I need to XXXX myself, my OWN phone number, the {$3100.00} and the Bank of America supervisor will refund it immediately and it'll go back into my account. The scammer said its because XXXX is a third party. Then after that happened I asked for his name again and he hung up on me. So I called the exact Bank of America frauds department number XXXX same exact number ) and they told me that they don't have a record of that call!! The calls were SPOOFED. So I filed a claim with Bank of America and XXXX and they BOTH said they'll get back to me within 10 days-90days but it's not guaranteed they can recover the {$3100.00}. The name on the XXXX was XXXX. 
It was unauthorized and fraudulent!! 
I also reported it to XXXX Police : Case number : XXXX I heard that XXXX was a third party from a BOA associate when I called to check on the status of my claim today XX/XX/2021 at 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 monetary relief