BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$1400.00} {$2200.00} {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1400.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 









Sincerely, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to submit a third complaint concerning the late payment reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports. This complaint is prompted by new information that further complicates the situation. 

Upon closer inspection, I discovered that for my Equifax credit report, I am being reported as 60 days late instead of the 30 days late that I previously mentioned in my complaints for XX/XX/XXXX as of today XX/XX/XXXX. I have never been 30 days or 60 days late and this discrepancy is significant, and I believe it warrants further investigation for why I was reported the 60 days late. 

To recap the events : XX/XX/XXXX : Received a notice from XXXX XXXX about being reported 30 days past due for XX/XX/XXXX, payment. 

Subsequently : Disputed the late payment report with XXXX XXXX and XXXX XXXX XXXX XXXX multiple times. 

Recently : Discovered the 60 days late reporting discrepancy on my Equifax credit report. 
Given this new information, I kindly request that the Consumer Financial Protection Bureau investigate this matter further and help facilitate a resolution that addresses the ongoing inaccuracies and damages caused by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to my credit report and personal well-being. 

Thank you for your attention to this matter as a XXXX XXXX XXXX XXXX  mom of a XXXX, who is working full time the support in the complaint and subsequent complaints submitted would be appreciated. I look forward to your assistance in resolving this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: SC
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:
SUPORTING DOCUMENTATION THAT THIS COMPANY HAS VIOLATED MY RIGHTS AND CONSUMER. YOU ARE IN VIOLATION OF TRUTH AND LENDING ACT 15 USC 1601 AND AGGRAVATED IDENTITY THEFT 18 USC 1028 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Credit Bureau Name TRANSUNION, XXXX, XXXX Credit BureXXXX XXXX XXXX  : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my TRANSUNION, XXXX XXXX credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into Professional XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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. inquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, 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 2021-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX, I requested to transfer my Capital One Roth 360 IRA Savings account to an XXXX Roth IRA. After filling out and signing the appropriate forms so that the transfer could go through XXXX 's third party clearing operator, XXXX XXXX, months went by with no communication except for a weekly form email saying " Thank you for your patience. '' I spoke with Capital One on XX/XX/XXXX, and they told me that a check had been sent out on XX/XX/XXXX. I spoke to them again on XX/XX/XXXX, where I requested an affidavit to receive the funds from my Capital One account directly rather than moving them to XXXX, since I had lost faith in XXXX clearing after so many months of the runaround. They said they would email me this form ( they still have not XXXX. 

Meanwhile .... on XX/XX/XXXX, I received a message from XXXX stating that XXXX XXXX  HAD received my check on XX/XX/XXXX, but they rejected it because Capital One had not filled in the correct information on it. XXXX gave me no indication of this at the time despite my inquiries into its whereabouts. 

So on XX/XX/XXXX I called Capital One back to ask them to reissue the check with the correct information. They now claim that the affidavit I requested to get the money transferred to me is also required to get the check reissued to XXXX and that this form must be notarized. They also claim that the form was emailed to me on XX/XX/XXXX, but it was not XXXX I have scoured every part of my inbox ). 

So now my money is not in any of my accounts, and Capital One will not let me access it without a form that they are not providing me. 

Note : I'm listing Capital One as the company on the complaint because they you can only list one, and since they are the ones who are keeping my money from me, they are the ones most likely to be able to resolve the issue with pressure from you. But I believe all three companies, Capital One, XXXX, and XXXX XXXX, are at fault in varying degrees for what's happened here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: OH
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 decided to contact the furnisher and the credit reporting agency in regard to my credit report. After I received no resolution, I filed a CFPB complaint # XXXX and after no resolution I filed complaint # XXXX. The credit reporting agency is being monetarily compensated and thus refuses to provide me with validation of the debt of the US DEPT OF EDUXXXX account XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and the process used in such validation.

Company response to consumer: In progress
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please see the documents that I have attached so that you can help me with my problems with 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 2021-06-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I requested a statement I placed at all 3credit bureaus to be removed on XX/XX/2021. XXXX  and XXXX  removed the statement immediately. Equifax was difficult to get in touch with a human without going through a computerized verification. Then you have to supply the human the same data before they will speak with you. Instead of removing the statement, they opened an investigation. I called today XXXX XX/XX/2021 XXXX to have this investigation closed as it is a red flag to the mortgage lender I am using to purchase a home. I had to enter my personal information twice into the computerized system then again to a human who then also sent me a link to take pictures of my DL and a selfie but the system did not work. Then they refused to speak to me because they are stating I have a minimum monthly credit card payment, which I do not have a minimum monthly credit card charge. I was transferred to a " supervisor '' who again asked for all the same information. Then she told me the statement was removed but the system has not closed the investigation and she could not tell me when the investigation would be closed. She kept insisting that there is no open investigation, yet there clearly is an open investigation when I log into my Equifax account. This process is holding me back from purchasing a home. The other XXXX bureaus removed the statement the same day. I do not understand why Equifax needs 30 days to close out completed work assignments. I additionally feel that they are the reason for many of my data breaches and having to cancel my debt card for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Marcus Bank is commiting fraud. 

Despite storing a down payment on a home for several months earning their acclaimed high interest rates, when it came time to purchase a home they took 2 business days of persistent phone calls to ultimately reject the wire transfer without a reason citing policy of " case by case '' as justification. 

Money that was deposited to the bank, money that was marked available for several months, was inaccessible at a critical time of need. The phone operators were unable to help because the structure of the company prohibited them from understanding the rejection, prohibited them from contacting the right person, and ultimately made each person who I can talk to repeat the same line of being unable to help get the money I left with the bank. 

Marcus Bank is commiting fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to the bureaus about some inaccurate items showing on my credit report. It has been over 60 days and I have not received a response. I have done what I am told am capable of doing as a consumer, but it seems like my concerns are overlooked and go unanswered. I demand that my concerns be addressed and that these items reflect instructions included in the attached letters. Please delete the items that have been requested to be deleted, and update the items that have been requested to be updated immediately. 

I have attached my drivers license and a utility bill for verification of ID

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 2023-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was taking money from my credit card in a cash advance and putting into my checking account. I then took money from my account as I did know it was a fraud and identify theft. This was going on for a few weeks. 
Upon receiving a money transfer and removing money several time a manager said they would close my account because I was being fraud. I asked if the money would be returned to me and they said the fraud department was handling it. I tried contacting the department and they would respond, " still in research. '' The institution : Bank of America. 
I also had so problems with : XXXX XXXX XXXX but they did give me an affidavit to file to there company. I believe if I was under duress and was told to comply that something can be done. Thank you

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX sold my loan without any type of notification, to Planet Home Lending. XXXX XXXX continued to process my payment through auto-pay after the loan was transferred and in so doing brought my account with Planet Home lending into delinquency which I had to straighten out with my bank by stoping payment on the transaction and having a bank check sent to Planet Home lending making my payment late. XXXX XXXX also did not transfer existing Escrow funds when they turned over the loan and now my account with Planet Home lending is showing in the rears on my Escrow account. and are charging me a monthly service fee above and beyond the interest they are already making on my VA Guaranteed loan. 
This is the second time my loan has been sold in XXXX years and am very displeased with it since my payment history has been exceptional.

Planet Home is very much borderline on predatory lending laws in how they service their accounts and how they treat people when trying to resolve issues on those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I noticed there were unauthorized transaction reversals on my checking account. I was a victim of identity theft, and this person stole my online banking, username and password, and was able to access my account. While they were accessing my account, they were disputing transactions, and when the bank gave provisional credit, they transferred the provisional credit out on an XXXX XXXX card, they also try to contact the bank and impersonate me to get my banking information. The fraudster disputed and reversed over XXXX transactions going back to XX/XX/2023. They reversed car payments, payment to my sons school and even tried to reverse my mortgage payment. I contacted Chase Bank on XX/XX/XXXX when I saw the transactions. Chase bank changed my online banking username and password. However the fraudster had changed my online banking alerts to go to their Android and they knew that I changed my online banking information. On XX/XX/2023 I noticed more transactions being reversed and contacted Chase again. And at that point they closed my debit card but never put any restrictions on my account so the foster was able to still transfer out money when provisional credit was given for the disputes. Then on XX/XX/2023 another transaction was reversed, and I once again called and the call center at Chase Bank, and at that point, I was finally told to go into the branch and the branch can close my account. By that time the fraudster had stolen almost {$12000.00} from my checking account. At no time did chase report suspicious activity contact me about the disputes put a freeze on my account after there was a suspicious caller, they did nothing to protect my account. Ive contacted Chase to it to ask for my money back and they told me that they were not able to give me my money back. I would like Chase to be held accountable for the fraudulent transactions that happen on my account, and to be refunded the money that was taken from my account. This fraudster also spoofed my phone number and was intercepting text messages that Chase was sending to verify transactions. I had to get a new phone number since my phone number was compromised. I also filled out a police report with my local police station regarding the identity theft, and the theft of my online banking username and password. 

Police report number : XXXX, Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: JPMORGAN CHASE & CO.
State: CO
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/2020, I purchased access to an online conference from XXXX XXXX  XXXX for {$790.00}. Due to technical issues on behalf of the vendor, I was not able to access the recordings. I reached out multiple times to the vendor in an attempt to fix the issue ; however, the vendor was not able to fix the issue. I asked the vendor for a refund multiple times, but the vendor never responded. I reached out to Chase Credit Card to dispute the charge. Chase informed me that I would receive the claim dispute form via US Mail and it could take up to 10 business days. When the claim did not arrive via US Mail after 10 business days, I contacted Chase and they informed me that my dispute is closed because I did not submit the required documentation on time. Chase misinformed me that my dispute form would be coming via US Mail - I lost over three weeks because of this error on behalf of Chase. I escalated this case to Chase Executive offices with no resolution. Chase has been unfair and unjust in this business dealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

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 2021-06-24
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Around the end of XXXX XXXXXXXX of XXXX, I contacted XXXX XXXX XXXX XXXX for resolution to defaulted account with a balance of around {$700.00} at the time. I was effected by job loss and covid displacement and informed I was entitled to programs which would help for each circumstance and phase out this bill and keep from collections and negative reporting of my credit. I was informed after forgiveness of late fees associated with the account was granted and the new balance was {$420.00}. I was told this is where the covid relief plan implemented that day would take of this and the account would be closed and no longer usable. For over a year I never received any info the account was active, at one point the account was removed and closed with {$0.00} balance on my credit report before XX/XX/XXXX where it now shows as a collection of {$800.00}. I spoke to XXXX XXXX and they have record by voice recording of these proceedings but " have no way of forwarding this to me or the collection agency and it is out of their hands. '' XXXXXXXX XXXX states to have had the collection for over a year but never sent out any correspondence when the account was sold the same month I had it resolved. Being told " it's too late '' to do anything should be against the law, the representative of their company should be held accountable not my credit. I have been unable to secure housing based on the negative effects of this on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 just reviewed my XXXX and Transunion credit reports and it shows inaccurate and unauthorized accounts. Please see the dispute letters I sent to the Bureaus attached to this complaint.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: NY
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:
I have XXXX inquires on my credit report that I didn't authorized the creditor to run my credit and I also reach out to the creditor requesting documents of me agreeing to such inquires. 
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