BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
A credit card account was opened at XXXX XXXX XXXX  on XX/XX/2022. 

On XX/XX/XXXX, I received information that there was an account in my name and that the address was changed to an address I do not recognize. 

On XX/XX/XXXX, I called and spoke to the supervisor asking them to close the fraudulent account, which they claimed they would but did not. 


On XX/XX/XXXX, I check my credit report and I see that the account was not canceled. 

So I called them to follow up on the situation and they claimed that they would cancel the account today. 

I do not believe them and am working very diligently to have them close the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I APPLIED FOR A LOAN MODIFICATION ON MY INVESTMENT PROPERTY OWNED BY XXXX XXXX. I WAS DENIED BECAUSE " YOU DO NOT LIVE IN THE PROPERTY AS YOUR PRIMARY RESIDENCE ''. XXXX XXXX OFFERS LOAN MODIFICATIONS FOR NON-OWNER OCCUPIED PROPERTIES. ADDITIONALLY, I HAVE BEEN LATE EVERY MONTH IN MAKING MY PAYMENTS BECAUSE I CA N'T KEEP UP BUT AM TRYING MY BEST NOT TO GET FORECLOSED ON. 
Mortgage and Borrower EligibilityEligible Property TypesThe following property types are eligible for the Standard Modification : Owner- or nonowner-occupied properties. ( i.e., primary residences, investment properties, or second homes ). 
Vacant properties, but can not be condemned. 
Eligible MortgagesThe following mortgages are eligible for the Standard Modification : XXXX-lien mortgages owned, guaranteed, or securitized by XXXX XXXX. 
Mortgages originated at least 12 months prior to the evaluation date for the modification. 
Mortgages may be previously modified, but not more than twice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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. 

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 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 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 2022-07-13
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Multiple accounts have been created with my name, social, date of birth. Citibank and Citibank BestBuy are the latest of the accounts that were successfully obtained. Also, a checking account with XXXX XXXX XXXXXXXX was fully established, which has since been shut down. An account was created with XXXX & XXXX, XXXX XXXX XXXX and others with my identity. I wonder if the breach occurred when we obtained a home loan last XXXX ( 2021 ) because the entire application with XXXX & XXXX was done electronically ( DUE TO COVID ). The site was supposed to be secure. I have spent {$250.00} to get XXXX XXXX, and an obscene amount of time with each fraudulent activity to shut it down. Our system is BROKEN!!

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 2022-02-18
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please REMOVE to my credit report the FRAUD ALERT I did not authorize anyone to add it to my report, kindly remove it ASAP.

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 2023-08-23
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On or around XX/XX/XXXX I was aaproved for a Citi Diamond Preffered card online. The approval came back on my screen as a XXXX dollar credit limit. 
The following statement came up on the screen Congratulations, you have been approved for a Citi Diamond Preffered card with a XXXX credit limit. Your card is active immediately with 10 % of your total credit limt available for the first 10 days. After 7-10 days your card shuold arrive in the mail. 

My card has arrived and I have reached out cusotmer service, the escalation department and the approval department. No one can say anything but its XXXX and they are extremely rude thinking they have answered my isssue. 

They either are fraudently telling people one thing and then decreasing limits after or they are incompetent in getting me to the corect department with the answer.

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 2023-08-30
Company: Collection Bureau of Walla Walla
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First call from Walla Walla Collection Bureau was on XX/XX/XXXX at XXXX, I asked them to identify themselves, they never gave their name, stated that I owed on multiple debts, I asked for the name and birthday on said debts, they gave me information that was not my identity, so I asked for supposed debts to be sent in writing by mail. I have never recieved any mailed confirmation. 

Second attempt from above company was on XX/XX/XXXX at XXXX, again I asked for confirmation of debts to be mailed, never recieved anything. 

Third attempt was on XX/XX/XXXX at XXXX, again asked for her to identify herself, never gave me her name. I again asked for the name and birthdate of the name on the collections she gave me a name of XXXX and birthdate of XXXX. I again stated that was not me and I was not even born yet, I wanted the supposed debts to be mailed to me to verify that I owe anything. I have yet to recieve anything from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My friend referred me to apply for the American Express Platinum card on XX/XX/2023. I called the representative first to see whether I can receive the Welcome offer 150,000 points and whether my friend will receive the referral bonus points. The agent told me that I need to submit my application first and then they can tell me whether I am eligible. So I submitted my application and was approved right away. I called after my application was approved immediately to confirm if I will receive the welcome offer and got the confirmation that I was eligible to receive and my friend will receive the referral bonus points after 8-12 weeks. The points will be debited in my account after I spent {$6000.00} in first 6 months. 

To try to expedite the process of getting points, I spent {$6000.00} within 3 months. I called the American Express again during this 3 months to make sure I can receive the bonus points ( Otherwise, I wouldn't hurry to spend so much ). The agent confirmed again that I will receive once I meet the {$6000.00} purchases requirements. So I kept spending and reached the requirements in the third month after I opened the card. 

I waited over a month but the points are still not deposited in my account. I called American Express and they told me that after confirming with the promotion department, I am not eligible for the welcome offer and won't get the points. They didn't give me the detail reasons, just saying might be because my other existing American Express card or re-application of the same card but they are not sure. However, I never applied American Express Platinum card before, I called several times explaining the situations and phone conversation I had before which several agents confirmed that I will receive the offer. I told them that they can investigate the recorded phone call to verify, they agree to open the case and will get back to me within 8 days. I called after 2 weeks and they said the case was still open. I called again after another month and the agent told me they closed the case with original opinion. If I didn't call, I would never found out the result. 

So I decided to file the complaint against American Express for their misleading information and unfair treatment, if I wasn't guaranteed the welcome offer bonus points in the beginning, I would never spent {$6000.00} so fast and also paid lots of interest of purchase. Please help to investigate. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America charged me Debit/HoldXX/XX/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 2021-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Dont recognize/ old sold vehicle 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 2023-04-09
Company: OneMain Finance Corporation
State: PA
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 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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: REGIONS FINANCIAL CORPORATION
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:
I reported to Enerbank USA by postal mail, letter dated XX/XX/2022, by USPS Certified Mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX, that the account they are reporting to all major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, etc., is a fraudulent account as I did not open any such account. I did not receive a response back and mailed them another letter, dated XX/XX/2022, USPS Certified mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 I received a letter from Enerbank USA, copy attached, dated XX/XX/2022, stating that they verified the debt as valid and is accurately reporting to the credit bureaus along with a Note & Disclosure statement and a Payment Authorization form. I do not have any knowledge of this account not did I make any payments to this fraudulent account. The letters received, which are attached, are also proof that the signature, that looks like someone just typed out and printed, is not mine and also the address listed on the account is not mine. I do not have any contract or any business with EnerBank USA nor ever did. This account is not mine nor did I authorize anyone to use my name for to obtain any goods or credit. The total amount stated on the letters I received is {$12000.00} but Enerbank USA is reporting this fraudulent account balance of {$24000.00} to all major credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
Recently took a look at my credit report and noticed some hard inquiries that are not familiar. I reached out to the company 's and requested my authorization documents only to be ignore. Violating section 609 and 604. I would like all theses hard inquiries from all 3 credit bureau immediately it's affecting my ability to get approved for offers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: NJ
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:
Hello, I am writing you because I have a huge problem. 

I have for the past 6 months been disputing inaccurate items on my credit report. XXXX  and Equifax has neglected to respond to me and provide me the proof. Although they have continued to send me emails and tell me these accounts is validated. I have continued to ask them for validation and to this day I still have not received anything. It has been at least 60 days since I have first asked for proof of debt from both companies for the following accounts 1.XXXX ( XXXX ) - Unable to provide proof of debt within a reasonable amount of time. 

2.XXXX ( XXXX ) - Unable to provide proof of debt within a reasonable amount of time. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), these companies are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent accounts. 

I started my dispute process XX/XX/2021. 

My last disputes which were sent in on XX/XX/2021 which would be my fourth round of disputing these fraudulent disputes. I am deeply hurt because this is affecting my chances of getting approved for a mortgage. Please help. 

I would like both of these companies to remove these erroneous and fraudulent accounts from my credit report. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been told by this company for a full XXXX months that they " can not locate '' my paperwork on my loan. Today they informed me that it is the application they can not find, and they claim that they have been requesting it. If this were actually true, they would have it if they had been requesting it for XXXX months. However, as an intelligent and decent person, I happen to have the original application on file. I have forwarded it to them along with the PMI section of my legal loan application, stating that I can have PMI removed as early as XX/XX/2021. I have been asking for it to be removed since XXXX XXXX XXXX, and all they do is blatantly lie to me. They claim that I can not request removal, but I have the documents that state I can request removal as of XX/XX/2021. I want the PMI removed immediately. I emailed them the verification that I am well within my legal rights to have had it removed months ago. I have proven they have been misrepresenting the truth, and I want them to do the legal thing and remove my PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: TN
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:
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. 

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 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 has violated my rights. 

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 explanation
Consumer complaint received 2023-06-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I had an unauthorized withdraw for my checking account. I was at XXXX market in XXXX, CA. As I approached my vehicle a female, aprox XXXX ft with XXXX XXXX informed me that I dropped a {$20.00} dollars bill inside the store. I told her that I don't have cash in my wallet, but she kept telling me to " CHECK MY WALLET ''. At one point I took my wallet out of my purse and I show it to her. ( This female was talking on the phone all the time with somebody. ) I got in my car and then she come at my window and said that she checked her wallet and that the {$20.00} dollar bill was hers. I gave her the bill and she walked away. After that I called my son, telling him what happened and he told me to check my wallet to make sure nothing is missing. When I checked my wallet the debit card was missing. My son told me to check my chase bank on my phone. When I did, I saw a statement regarding an unauthorized withdraw from my checking account for a {$1000.00}. I called the bank right then to cancel the debit card but my waiting time was around XXXX XXXX. By the time I canceled the card, the withdraw was done. My son and I went to the bank and we found on the floor 2 more receipts- one for {$500.00} and one for {$200.00} that were declined.

Company response to consumer: Closed with explanation