BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX SELF-REPORTED XXXX WFDS XXXX XXXX  SELF-REPORTED XXXX XXXX  SELF-REPORTED XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
As a victim of identity theft, I previously requested a 7 year Extended Fraud Alert Security Alert, which had previously been granted by TransUnion and was set to expire in XX/XX/XXXX. This can be seen on page 23 of my XX/XX/XXXX TransUnion credit report. 

As of XX/XX/XXXX, the Extended Fraud Alert is no longer listed on my credit report. As a prior victim of identity theft who was granted an extended fraud alert through XXXX, there is no reason the extended fraud alert should have been removed from my credit 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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX  XXXX XXXX XXXX, please send me proof of permissible permission used for fraudulent loan dated XXXX, loan # XXXX to myself and Transunion and XXXX. You have refused for 4 years to comply. I will stop complaining when you comply and send copy of credit report used together with the permissible permission. I am including Transunion and 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 2023-01-27
Company: EQUIFAX, INC.
State: NV
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. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) EQUIFAX, XXXX, AND XXXX USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE XXXX XXXX ASSETS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: U.S. BANCORP
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a vehicle using this lender, made my payments on time every month. I decided to trade my vehicle in to purchase another vehicle and the dealership held onto the vehicle and did not return it as promised. The vehicle was paid in full and the dealership is stating the vehicle was returned and the lender is giving falsified information as this loan is paid in full and I am not responsible for the misunderstanding between dealership and Lender. Please help assist me with compliant as I want it removed from my credit reports reporting negative.

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 2023-10-11
Company: DISCOVER BANK
State: LA
Product: Credit 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/2022, there was a transaction made from my account with an amount of {$1900.00} and I did not recognize that transaction. I told my credit card company and gave them all the documents they requested and still, I was told that the dispute was not resolved in my favor. I feel that the investigation was not conducted properly. Then I made a payment of the same amount but it was not reflecting on my account. So I contacted the company and they sent me an email saying that they were able to locate it but they never posted it on my account. I have not only been charged with the amount but also charged twice because my payment was never reflected on my account even though the company was able to locate it. This whole thing has impacted my credit score badly and the company is not listening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: McCarthy & Holthus, LLP
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
URGENT ; ILLEGAL TRUSTEE SALE XXXX by XXXX XXXX XXXX in XXXX XXXX : XXXX I own a valuable property in XXXX CA. I have in my possession the Court Ordered Final Examiners report from the Washington Mutual bankruptcy 2008. In this report is goes into great detail how XXXX Bank stole information from XXXX 's data room. XXXX was denied any further access once it was discovered they were acting in bad faith during the FDIC receivership. XXXX SOLD ALL ASSETS to a private bank in XXXX XXXX XXXX week prior to the FDIC take over. I have an audit showing XXXX attached the wrong loan and wrong loan amount to my property. XXXX bank is foreclosing due to this fraud. The claimed payoff is $ XXXX, when XXXX XXXX stated only $ XXXX was owed. I have tried numerous times to settle. I've demanded a full accounting to support the claimed debt and was told that's not possible. XXXX bank does not own the note, nor can they support the claimed debt amount. I'm asking for Arbitration of the CFPB to clear up this matter of fraud against me and my property that XXXX caused when they stole information from XXXX 's data room. 

Thank you XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: FIRST ADVANTAGE CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Thursday XX/XX/XXXX contacted county clerk becauae it is incorrect information and shouldn't of appeared on background check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was giving provisional credits for XXXX on XX/XX/2022 by the bank for a dispute I filed on XX/XX/2022. Once giving the temporary funds my old card was disabled XX/XX/2022, only way to move funds were for me to enter a branch which 1 hour away from my home or use a member to member feature inside my mobile app. I went with the member to member feature to send funds out of my account in the amount of XXXX then XXXX another for XXXX and finally another transfer for XXXX to two other accounts, the next day my account was restricted and also the other members account was suspended as well. I see nothing I did wrong to deserve my account to be closed I been a loyal customer since day 1.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX - My wife and I decided to switch from XXXX to XXXX XXXX XXXX. Sprints service was very spotty when I was XXXX overseas. 

XX/XX/XXXX - We make the switch to XXXX XXXX XXXX and pay off our phone contracts with XXXX XX/XX/XXXX - XXXX sends an email asking us to return and promising monetary compensation for returning. 

XX/XX/XXXX to XX/XX/XXXX - XXXX continues to send us bills even though we remind them each time we have paid for our phones in full and paid our final bill. 

XX/XX/XXXX - I am informed that XXXX has sent the bill to collections. 

XX/XX/XXXX - XXXX XXXX XXXX contacts us. I explain that the bill should have never been sent to collections with evidence XX/XX/XXXX - I begin the dispute process with the 3 credit bureaus. 

XX/XX/XXXX - XXXX  investigated and deleted the account from my credit report. 

XX/XX/XXXX - XXXX  investigated and did NOT delete the account from my credit report. They instructed me to contact CFPB with my evidence. 

XX/XX/XXXX - XXXX  investigated and deleted the account from my credit report. 

XX/XX/XXXX - XXXX  XXXX XXXX contacts us. I explain I have disputed the account, successfully have gotten it removed from 2 out of 3 reports, and I will keep working to get it removed from the third. XXXX XXXX XXXX threatens us that they will keep shopping around the debt and keep reporting to all the credit bureaus if we dont pay. 

XX/XX/XXXX - My XXXX XXXX contract ends. I began the process of switching to the reserves to continue to serve my country. To do so, I am required to hold a secret security clearance. Having this account in collections threatens my clearance. I am very concerned I will not be able to provide for my family because of this false debt. 

XX/XX/XXXX - I received another collections attempt from a different company called Source Receivables Management which leads me to believe XXXX XXXX XXXX has followed through on their threat.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-15
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Wednesday, XX/XX/XXXX, I received several emails from Chime related to a new checking account that was opened in my name. Over the course of several hours, I tried to contact Chime to report the account as fraudulent and receive additional information on what happened and how the account was opened. China apparently partners with XXXX XXXX, and I would call their joint operations as a scheme that is ripe for fraud. 

After several attempts, I believe Chime closed my account. However, I have no confirmation, as Chime does not have a fraud department nor any U.S. location or U.S. customer service, as confirmed by one of the many representatives from Chime that I spoke with. I would like to specifically understand what type of Know Your Customer due diligence that Chime is doing prior to opening accounts. I have credit monitoring and freezes with the major credit bureaus and XXXX, so Chime should have flagged concerns. Further, why does Chime not require a form of identification to open an account? And finally, how does Chime interact with XXXX XXXX? Again, due to the perceived poor internal controls and lack of due diligence and a fraud team, Chime appears to be an organization ripe for fraud that does not have the best interest of consumers in mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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: Account status incorrect

Complaint:
My Identity was stolen and accounts and vehicles were purchased. The vehicle was purchase in 2017 for approximately {$85000.00}. XXXX I contacted the credit bureaus and Credit Union concerning Fraud they refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My Identity was stolen and accounts and vehicles were purchased. The vehicle was purchase in 2017 for approximately {$85000.00}. XXXX I contacted the credit bureaus and Credit Union concerning Fraud they refuse to remove.

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 2019-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is against Bank of America regarding my mortgage. On XX/XX/2019, I made a payment on my mortgage in the amount of {$1100.00} through XXXX XXXX. A few days later, Bank of America returned my payment claiming that XXXX XXXX has insufficient funds. I called them immediately and organized a three-way conference call with XXXX XXXX who confirmed that the payment has been deducted and had sufficient funds on the account. I furthermore sent in proof from my XXXX statements that there were sufficient funds and no money had been returned from Bank of America. This was several times confirmed by the customer service representatives when I called in. ( My girlfriend, who listened in, witnessed these calls. ) However, it happened on several occasions that some incompetent customer service representatives did not find the documents and told me to start back at square one. This has been going on for at least ten weeks and I put in at least sixteen hours for this issue. I have always been given a deadline as to when this issue will be solved. As to this day, after the fourth deadline has passed, as I know from friends that this issue happened to other customers, that this behavior of Bank of America is grossly negligent and incompetent at best or criminal at worst. The Consumer Financial Protection Bureau needs to take adequate steps against that company. I want to be compensated for this unprofessional behavior, which is bordering criminal behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX XX/XX/2021

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 2023-10-11
Company: CrossCountry Mortgage LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
Ive requested all forbearance letters exit and entry of forbearance and documentation of any extensions, Cross country mortgage and the loan serviced has not produce any forbearance documentation letters, this has prevented me from refinancing my loan with new mortgage company they failed to produce theses documents going on thirty days or refuse to research and give me copies if no copies available they should produce such letters for exit of forbearance and any extension For loan XXXX without this documentation I can not refinance my loan, Ive lost XXXX trying to correct this Im ask them for all documents by XX/XX/XXXX or will take legal action of being able to produce require documentation for this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: United Shore Financial Services, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My daughter and I have a loan on her home thru United Wholesale Mortgage. She is beginning her journey in credit/life. The house payment was set up to be taken out of my XXXX XXXX account that was specifically for kids expenses ( college ect ). We decided it was time for her to take over and learn how to make the payment ect.. We phoned UWM and let them know we want the payment taken out of her account instead of mine and we gave them all the needed information on XX/XX/2022. The dollar amount for her mortgage is {$1400.00}. XXXX took the information and changed it but stated that in XXXX it will still come out of mine because it is too late in the month so it would not start taking it out of her account until XXXX. We agreed. ( This is a recorded conversation that they have. ) So around XX/XX/XXXX my daughter called and said mom they still have not taken it out of my account and I phoned XXXX they said " we can not take it out until the XXXX payment is made '' and I said wait it did get paid and they said no it did not. So I paid it and explained that they had said it would still come out of my original account that was on autopay. They said there is nothing we can do and did confirm our conversation was recorded! So they told us it would come out and it did not. I can show you bank records that the money was in there to pay it. Now my credit dropped to XXXX from XXXX and my daughters is probably worse. I want to file a complaint against them and reverse the credit. Even if it can not be reversed I still want to file a claim- what they did is unethical. I never received a voicemail- they said they tried my daughters but she did not receive any messages and I was the original one on the loan so they should have called me. I was in the middle of moving and it was a hectic time and I am so frustrated. I filed with the credit bureau and have reached out a few times to XXXX and they will not do anything because they said it is " automated '' and out of their control. Please help us with this. It is very wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

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