BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: TX
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 am writing to you with great urgency and frustration regarding the presence of fraudulent items on my credit report. I have recently discovered these inaccuracies, and I insist on their swift removal to safeguard my financial integrity. 

The fraudulent items on my credit report are causing considerable damage to my financial life. They have unjustly lowered my credit score and have hampered my access to loans, credit cards, and other financial services. This situation is not only unfair but also jeopardizes my financial well-being.

I demand the following actions to be taken promptly : A thorough and expeditious investigation of the fraudulent items in question.

Immediate removal of any inaccurate or unverifiable information from my credit report.

A formal, written explanation of the corrections made to my credit report.

I expect this matter to be resolved without delay. It is my right as a consumer to have an accurate and just representation of my credit history. Failure to rectify this situation promptly may compel me to take legal action to protect my rights.

Enclosed with this letter, you will find evidence supporting my claim and facilitating the investigation. Please acknowledge the receipt of this complaint within 15 days and provide information on the steps being taken to resolve this matter. I am asking for your immediate assistance to remove the following fraud items in my credit file : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX, XXXX XXXX, TX, undefined XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance : {$1000.00} XXXX  XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I knew I was getting a transfer of my job and I asked for refinance options or a forbearance. I has issues with them following back up with me and then I didn't receive any call back. I was then told I had to upload my documentation but I could not, the website would not let me. Then I sent the documentation to the email address with no call back. Then I called into the mortgage again and was advised they would accept my email requesting the information. Then I was denied an adjustment in my mortgage or any help. I feel like they personally are trying to make me go into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In XXXX, I purchased a dishwasher online from Lowe 's, The company was running a promotion for their credit card and offered a {$100.00} discount if a major purchase was made using their card, I applied for the card and was accepted and used this card for my purchase. The dishwasher was delivered and installed in our home. We paid for the dishwasher and installation by debit card from our bank for the full amount. 

A month later we started being billed for another dishwasher,. I contacted the credit card company which is run by Synchrony Bank. I filled a fraud report and they found in our favor and issued a charge back. This was sent back to Lowe 's and they turned it down and continued charging us. I have spent the last year arguing with clerks at the company and made no progress. They have no proof of this additional purchase. They claim I picked up the dishwasher at the store. I am XXXX XXXX XXXX and it is ridiculous to even think that I did this.. 

My wife and I are not thieves or con-men. They say now we owe over {$1000.00}. Any help you can give us would be greatly appreciated.

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 2020-10-30
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There was a fraudulent charge placed on my Barclays Jet Blue card ending XXXX. On XX/XX/XXXX {$100.00} was charged to my account said XXXX XXXX on the statement. I had a XXXX balance on the account before this fraudulent charge was placed. Barclays has not removed the charge and have added {$40.00} each month late fee. 
My credit score has dropped 84 points due to this crime.

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 2023-11-06
Company: EQUIFAX, INC.
State: FL
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'm sending this complaint to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Nelson Cruz & Associates LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Looks like someone used my personal information to obtain some type of loan withXXXX XXXX XXXX, my name, social security number, phone number was used to obtain a loan without my consent in XX/XX/2023, now it has been sent to a collection agency, Nelson Cruz and Associates to try to collect for something that I did not do, the amount that was put on my XXXX XXXX credit report is for {$3800.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: FL
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: BANKMOBILE TECHNOLOGIES, INC
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I signed a contract with a moving company on XX/XX/2023 approximately XXXX XXXX. they sent the contract on the XXXX which I didnt sign that day..and sent them a XXXX deposit for the move on the XXXX I called my banking institution XXXX ( XXXX XXXX XXXX ) to get the charges refunded because the moving company was trying to keep my money.. they lied and said I didnt cancel in time for a refund. I have all the proof that I did phone calls screen shots and email proof that I wasnt sent the contract until the morning of XX/XX/2023 which is what contained the instructions to cancelhowever I had been calling and texting the company all that morning before the deadline my account was mismanaged by bmtx I also asked them what they sent them for proof and wasnt given that information.. and whatever it is its fraudulent and XXXX didnt practice due diligence to protect my account. I have included a screenshot of the cancellation where they say I signed on the XX/XX/XXXX at XXXX am and at the bottom it say I signed on the XXXX at noon Im also including a screenshot of my sent email cancellation at XXXXXXXX XXXX of the XXXX of 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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Remove this account listed below in accordance with the FCRA 1681b ( a ) ( 2 ). 

XXXXXXXX XXXX Additionally, Title 15 U.S.C. 1681 Section 602 States I have a right to privacy.

Title 15 U.S.C. Section 604 States a Credit Reporting Agency can not furnish an account without my written instructions.

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 2023-11-06
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible 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 2023-10-14
Company: FISERV INC.
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I called the number listed ( XXXX ) for My Banking Direct ( Money Network ) to request a replacement debit card and I was told that the card was already used, and I was helped with submitting a dispute. 

I kept calling the Money Network since they told me that they do not notify users. 

Back on XX/XX/2023, I called in to check on the dispute status ( which was filed in early XX/XX/2023 ), and I was asked to provide the documentation that shows the debit card for the Middle Class Tax Refund card was stolen, so I emailed the letter ( to XXXX, as I was told ) from USPS showing that the debit card was stolen and the the piece of paper holding the debit card was returned to me early XXXX. I was attaching the same document again in this appeal. 

I was told the claim was unsubstantiated when I called them to follow up again on XX/XX/2023. And I was also told that they never received my email or my documentation. I was told that I can appeal this decision. I was told to email XXXX including the word " Appeal ''. 

I appealed the decision that the dispute over the stolen debit card was denied for a very strange reason on XX/XX/2023. 

On XX/XX/XXXX, I called them again and I was told they don't even have any appeal email from me. So they denied my initial dispute due to their negligence and repeatedly ( intentionally or accidentally ) didn't even receive or at least started processing my appeal. 

As a victim of the mail fraud and stolen tax refund ( refund amount is {$700.00} ), I am supposed to be the one receiving help, but instead, that company ( and their fraud investigator ) obviously didn't do anything to help people in need of help and didn't provide any other way for me to continue getting my refund back.

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 2023-07-18
Company: Nelson Cruz & Associates LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no knowledge of this account, I dont know why this collection agency put this on my account I have not received one correspondence from the creditor XXXX  or from Nelson collection agency I just happen to check my credit report this morning and stumbled across this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2023 I followed up with a banker at JP Morgan Chase who contacted me prior in hopes of my company accepting a credit card the business. I was informed that I could receive up to three credit cards offering different benefits. I decided to come into the branch and complete the proceed the application. After the submission I was denied, per Equal opportunity credit act : This Act ( Title XXXX of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. Also, 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I am demanding correction of the application status from denied to approval with the credit limit of {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After 20 plus years as an account holder, Wells Fargo closed ( 2 ) bank accounts : my checking / savings account & Business Account for my rental property. I contacted the Customer Service number, unfortunately the agent said it was a business decision. The response was very vague and feels unfair. My accounts have good balances and funds move every month. My wages have decreased a little as a result of COVID19 but my bank account balances have never fallen below thousands of dollars. Nor I have I ever had negative funds. I called back the next day to have the decision reviewed by the fraud strategy team. Unfortunately, the agent gave me the same vague " it was a business decision '' response and you agreed when you opened the account we had the right to close your account at any time. 

I then visited the branch manager in person to see if the vague response was related to the limited skills of phone agents. Unfortunately, Wells Fargo believes it is best for a 20 year customer with an 800 plus credit score to take her direct deposit and banking needs to a competitor. 

I am asking the CFPB to review the Wells Fargos bank account closure strategies to determine if I was treated fairly AND not discriminated based on my XXXX XXXXXXXX name.

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 2023-11-13
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also because my credit was affected by the XXXX  Data Breach and I have put a freeze on my credit profile because I dont want any one to get access to my information. I have paid for the monitoring service from XXXX since the free credit monitoring service was provided through XXXX for customers. I believe it ended in XXXX and I've been paying for a monthly subscription since XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
After checking them, I found that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require 3 credit reporting agencies to verify ( A ) these accounts. Failure to verify these reporting accounts as unverified without providing evidence within the legally mandated deadlines is unacceptable. My credit report contains the following incorrect information that needs to be investigated and corrected. 
XXXX XXXX  XXXX Balance Owed : {$15000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX  XXXX XXXXBalance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXXBalance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.

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 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: TRUIST FINANCIAL CORPORATION
State: NJ
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:
My credit has been pulled fraudulently. Please remove inquiry

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 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Yes hi my name is XXXX XXXX and bank. I was recently a Bank of America, client and the bank close my account without any knowledge of me. XXXX and I got funds that are gon na be going into that account on XXXX XXXX for XXXX and then I have my XXXX Social Security XXXX check that will be going in on XX/XX/2023 and I need access to the funds immediately to be able to pay my bills and things that I had to sell and the bank is saying that I wont have access to reading funds until probably the end of XXXX or beginning of XXXX and I can not go that long so I will please like you to help me get my funds reimbursed then and help me get access to my flaims The metet Great ouwes soon as they going to the account please its an emergency I have to pay my bills

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 2023-11-20
Company: EQUIFAX, INC.
State: NY
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:
Review the attached documents, and I request an investigation into these accounts where I have never been late but am being reported as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: International Recovery Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Reference # XXXX This medical debt has been being paid every month without fail. I am annoyed and disgusted with XXXX XXXX XXXX for turning it over to collections for a mere 3 months of responsible payment. I respectfully request that this collection effort not show on future credit reports as the final balance was paid today.

Company response to consumer: Closed with explanation