BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: PA
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:
Hello, my name is XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
someone use my information to obtain credit and now i have collections that i have no ideal about.

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 2021-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am disputing the response on my Kohls Case : XXXX CFPB Case No. : XXXX. 

Kohls responded stating that they verified that all of the personal information they have corresponds to me but the enclosed copies of the billing statements aren't even my name. The statements are addressed to " XXXX XXXX '' my name is XXXX XXXX and that is not my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Signed up for Wells Fargo Visa Card branded with XXXX in early XX/XX/2022 in response to advertisement ( see link below ) offering 3 free hotel nights for spending over {$4000.00} on the card in the first 3 months of card opening. Spent over {$6000.00} in the first two months the card was open, but was only credited with one free night. Six calls/online chat exchanges with Wells Fargo resulted in them denying me the promotion and saying I was ineligible. 

This is dishonest and possibly fraudulent. I would hope Wells Fargo had changed their business practices but apparently they haven't. 

XXXX XXXX XXXXXXXX

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 2021-11-24
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern ; Can you assist? In XXXX ( XXXX ) I was notified of a mortgage increase of ~ {$300.00}, going from {$1600.00} to {$1900.00} beginning XXXX. When I inquired, i was told it was based on escrow prediction to compensate for XXXX Tax and insurance payments. The predicted difference equates to ~ {$3600.00}, which the increased the monthly mortgage payment without giving me an option to make up the difference. 
I request to pay the difference lump sum to prevent me from having a hardship making the monthly payments. They refused and said it was not an option, and that all I could do was pay a shortage amount of {$1500.00}, and my monthly would only be adjusted to {$1800.00}. I pleaded with Freedom and explained the monthly increase would create a hardship, and I could pay the full amount of the projected monies to compensate for the predicts and maintain my manageable monthly mortgage of ~ {$1600.00}. They refused. 
I sent the {$3600.00} ( XXXX ) to escrow of which they added to my account on XXXX they initiated an escrow refund ( see XXXX ). It is apparent that Freedom is not interested in working with me for there payment, however it is apparent they are creating a hardship for which I could lose my home. 
Can you assist? If they have the monies to compensate for their predictions, and keep my monthly payments manageable, why not unless this is considered a predatory action to force the loss of my home. 
Please assist. 


Re XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: IL
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:
Ive made previous complaints with you about this world acceptance account reporting on my credit report. You guys couldnt have been following the procedures of following up with the furnisher because I asked world finance directly and they have sent me a letter which Im attaching to this complaint stating that they did NOT chargeoff this account!! They said they sold the account and no longer have any information on the account. So If they dont have any information on the account and didnt charge the said account off that means that you guys are reporting this account inaccurately and are violationg 15 USC 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2021-09-28
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:
My name is XXXX XXXX and I am submitting this complaint on my own behalf, and there is no third party involved. I have been violated as a federally protected consumer, natural person and original creditor under 15 USC Chapter 41. Equifax has violated 4 laws, as outlined in the attached materials that I've uploaded in my Affidavit of Truth. 14 days ago, I mailed Equifax my notarized Affidavit of Truth, my supporting exhibits, and my invoice with clearly defined terms and have not heard back from them on this matter, nor have I received my certified mail return receipts from them- so I have included screenshots to prove their receipt of my letters. I am demanding that all 4 of these fraudulent hard inquiry accounts be removed off of my credit report immediately, and that Equifax send me the invoice that I am owed for their illegal and discriminatory behaviors against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results..

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX, Balance : {$24000.00} ), XXXX XXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX, Highest Balance : {$37000.00} ), XXXX XXXX  XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$290.00} ), XXXX XXXX ( Account XXXX XXXX, Open Date XX/XX/XXXX, Balance : {$210.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-09-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My brother contacted me regarding a voicemail he received on XXXX at XXXXXXXX XXXX. He forwarded it to me. After listening about 10 times to get the phone number I called to see what it was about. Couldn't understand the message or her when I called, but figured out she was trying to get money for a XXXX XXXX credit card, her name was XXXX XXXX and that I didn't remember having a credit Card from XXXX XXXX at the time we spoke. She threatened to Subpoena for a lien in my name. I hung up on her, because this has to be a scam. Before I could block her phone number, she called back and left a voicemail threatening me and saying I never contacted her. I then blocked that number. I then received a voicemail from the same woman on XXXX at XXXX XXXX  from a different phone number saying pretty much the same thing. All the voicemails are difficult to understand so I uploaded them. I didn't call back and blocked that phone number. I looked up both numbers on the XXXX and XXXX XXXX. Only found results on the XXXX XXXX. The XXXX area code was to a business called XXXX XXXX XXXX. There was no name associated to the XXXX area code. I found a Acknowledgement of Satisfaction of Judgement on XXXX that is proof I had paid for the credit card and filed XX/XX/2017. On XXXX my check # XXXX made out to the XXXX XXXX XXXX XXXX of XXXX XXXX for the amount of {$24.00} was cashed to remove the XXXX. This was on the HSBC Bank credit card that was for XXXX XXXX. I uploaded the Acknowledgement of Satisfaction, my carbon copy of the check, my bank statement and the letter sent to me from the Law Firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: Texas Guaranteed
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Continues to report inaccurate information to the credit bureaus, which is effecting my ability to get credit and forcing me to pay higher interest rates ( up to 23 % auto loan ) I've ask for validation of debt owed which should include a signed contract between me and the company. they sent two unsupportive document that date 9 years apart. Would like to see the original instrument of indebtedness in its original form, along with the amount owed. To make things even worse, you can see that the account numbers are different across all credit bureaus. along with the original amount being different on each Bureau. It states that if You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi today is XX/XX/2022 and I received a notice from my credit report stating I have a new open account. I called the company and explained to them that, that was not my account. I had no clue what it was about they explained to me and they asked for me to provide my information to pull up the account but they could only pull it up with my name. The social security number they had on file didnt even match my social security number. Now they said they will flag that account as it isnt mine. I asked if they can remove it they said they cant. I tried my best to see if they would be able to provide me with an email at least stating its incorrect and they said they cant. Im in the process of closing for my first home and this may really affect me now. I currently dont owe any debt to anyone so now this popped up on my credit report. My credit will be ran again the day before closing and this one huge mistake will make me lose the house Ive been working so hard on purchasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against American Express and XXXX XXXX for Annual Choice Award Issue Dear Sir/Madam, I am writing to file a complaint against American Express and XXXX XXXX for XXXX issue related to the Annual Choice Award associated with my XXXX  XXXX account. I have attempted to resolve this issue with XXXX XXXX customer service, but their response has not been satisfactory. 

As a XXXX XXXX XXXX  XXXX XXXX and a longtime customer of American Express, I recently reached 50 nights and became eligible for an Annual Choice Award. I chose the XXXX  Elite Night credits option ; however, due to a technical issue with the XXXX XXXX website, my choice was incorrectly recorded as XXXX XXXX XXXX Upgrades. I immediately noticed the error and contacted XXXX XXXX customer service within 5 minutes of receiving the confirmation. 

The customer service representative informed me that the issue would be escalated, and I hoped for a timely resolution. Unfortunately, I received an email from XXXX XXXX XXXX XXXX, which stated that they could not exchange the Benefit selection as all Annual Choice Benefit selections are final and can not be changed after the selection is made. This response is unacceptable, as the error was due to a technical issue on their website, and I contacted them immediately after the confirmation to rectify the mistake. 

As a loyal customer of both American Express and XXXX XXXX, I believe that it is reasonable for them to simply switch my Annual Choice Award to the 5 Elite Night credits that I initially chose, instead of the 5 Suite Night Upgrades. 

I kindly request the assistance of the Consumer Financial Protection Bureau in resolving this issue. I believe that a fair resolution would be for American Express and XXXX XXXX to honor my original selection of the 5 Elite Night credits and update my account accordingly. 

I have attached a copy of the email I received from XXXX XXXX XXXX XXXX for your reference. Please do not hesitate to contact me if you require any additional information or documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, I have applied for a mortgage in 2021. My lender is unable to pull my credit reports. They have not had any problems since 2021. XXXX  and XXXX are fine. I am having a problem with Experian not releasing credit report and not allowing me to log in or access it. THey have transfered me to everyone under the sun and no one can help. One rep says I have a freeze or a fraud alert.Then the next representative says I do not have it. Then experian says that there is an error in their back end and will take several days to fix. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all the phone numbers they keep telling me to call. I have excellent credit and experian is refusing to give my my credit report and give access to my lender. Who have had access before for a whole year and no problems at all. Until last week. I need help to get these people to do their jobs and be compliant.

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 2021-03-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In summer of XXXX, TD Bank first contacted me and claimed that my homeowners casualty insurance with XXXX had lapsed, which it had not. I sent TD Bank on 3 separate occasions the proof that my coverage had not lapsed including a final phone and email conversation with one of their representatives and am cc from my insurance broker with independent declaration pages from XXXX and proof of coverage. It appeared that the matter was settled. TD is entitled to have insurance on the collateral they loan against, but they can't defraud their borrower who already has the requisite coverage in place just so TD bank can earn free money. 

Then in summer of XXXX, TD Bank apparently purchased Forced Placed insurance on our primary residence with no basis for doing so and no notice to me. Since state and local taxes have increased, I believe the increase in my monthly mortgage payments were due to local taxes. TD never sent me any confirmation of Forced Placed insurance nor confirmation of coverage as I'd be the beneficiary too, not just TD Bank. 

Most banks have been running this same scam and there have been large scale settlements -- except I do not see one with TD which means the regulators simply haven't gotten to TD yet. I am an ex regulator myself having worked for the SEC so I know what I'm talking about. 

I only discovered this in the past 2 weeks as we recently sold our home and TD sent us a check and the details of their scam. They owe me unearned premiums of {$9700.00}, plus punitive damages, plus an apology letter. 

They didn't even have the sense to set up any redundant policy with the correct coverage amounts so goosed the coverage WELL BEYOND their own loan limits of approx $ XXXX and bought coverage of $ XXXX so that they could earn EVEN MORE on their fraud. 

This is a big money maker for the banks ( or was ) and TD needs to be investigated beyond my own claim as my impression is that they are doing this to many other borrowers as well. 

Thanks in advance. And I'm still reserving all my additional options against the bank.

Company response to consumer: Closed with monetary relief