BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: CrossCountry Mortgage LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In early XXXX I received a letter for a trial period to complete before a loan modification would be granted. I completed the period early. I have documented every payment. I was told to wait 30 days for the new loan documents to be sent. I have informed delivery on and the documents were never sent. I confirmed this with their rep XXXX. I asked for the tracking number or proof of sending them certified, and he agreed there was none. I was sent to foreclosure in mid April for 'not having the documents notarized and returned. These documents, they have no record of ever sending. I have called every 3 days as recommended to follow up and be sure I was moved out of foreclosure and the documents could be reprinted and sent by certified mail. Finally on XXXX I was told the documents were generated and I have to call back on XXXX to see about certified mail tracking number. When I called today the rep said 'Wait 30 days and we will send them in the mail '. This is NOT acceptable. CCM failure to send the documents in XXXX led to be being thrown in foreclosure once! I asked to speak to the supervisor 3 times on this call and the rep started reading a script about partial claims program, and ignored my request. Since the documents WERE approved to be reprinted on Monday, its unacceptable to go 30 days without any proof or tracking on them in HOPES that CCM performs their responsibility and I still don't have confirmation that I am out of foreclosure due to their error. Finally their rep, XXXX told me there is no team lead or supervisor that can speak to me. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XX/XX/2021 there were 5 XXXX charges applied to my Bank of America Prefered Credit Card, all on the same day in the amounts of US {$1.00}, {$41.00}, {$42.00}, {$42.00}, {$43.00}. When I noticed this charges on my online statement I notified BoA on XXXX XX/XX/2021 that they were fraudulent. 
Bank of America confirmed that 3 of these transactions were fraudulent and issued me a letter on XX/XX/XXXX stating that the vendor had confirmed 'delivery to my address ' and denied the claim for charges of US {$43.00} and US {$41.00}. I requested details of the charges, shipping and account ID from BoA 's fraud team and further review ; with the fraud team member conceding that it was strange that 3 of the 5 charges had been confirmed as fraudulent. 
I have now received an additional letter dated XXXX XX/XX/2021 which reconfirms BoA 's position that the US {$84.00} are legitimate charges and that they were reporting the dispute to the credit bureau. 
I have again called BoA 's fraud team to request the full proof of purchase and to also confirm the length of time the applicable XXXX  account had been registered to the address that the orders were shipped to. 
I have indicated to BoA that none of these purchases are mine and I've sought any information they may be able to provide to support their position that they believe the charges are legitimate.

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 2023-02-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I don't know this company or signed a contract or agreement with this company ... company needs to show proof with my wet signature.. company needs to show payment history and none payment history.. company needs to show original Contract and proof of ownership for authorization to collect from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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:
I had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: INTEGRITY CREDIT CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I did buy a home and get the loan, but the brokers do for me the process, they treat me very bad, I live in XXXX  XXXX XXXX, and buy the second home in XXXX XXXX, a second home and investment, the process is supposed take around 3 weeks or 4 to closing the buy, the make me do two time extensions and the second one I should pay because they do many mistakes with the application, actually they make me go to XXXX first time to make the closing house and when I was there they told me all papers not ready yet and I just back to XXXX  with not closing and for nothing, after two weeks they told me everything is ready this time and I went to XXXX for second time, And when I was there again told me some papers not yet that they do a mistake and again back to XXXX  with not closing, we do closing from XXXX  with a notary, but Im still very upset for everything they do for me, all I should pay and they didnt care anything from me, even I was trying be educated they didnt, make me had a lot stress for almost two months and make me waisted money and time. Hope you can help me to make this people dont do this again to anyone, they never treat me like a customer even they make money from me. Thanks

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Ablty Recvry Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Ablty Recvry Opened XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-10-31
Company: Experian Information Solutions Inc.
State: MI
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:
Delete Late payments from XXXX XXXX XXXX from XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, 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 2023-03-21
Company: Byrider Franchising, LLC
State: WI
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:
My name and vehicle information was added to an auto policy with XXXX XXXX. I never gave consent or advised this was being done. Now an accident claim on my vehicle shows up on this persons auto policy with XXXX. It takes a name, dob, address, DL etc to add someone to a policy and I was not notified of this being done. Not once was this information shared with the policy holder or XXXX. XXXX refuses to remove my name from a policy I never authorized. How is adding someone to a policy without person ok, but to remove them by the persons permission not ok? This is fraudulent behavior. I dont want my vehicle information or accident claim information released to anyone without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regarding : INQUIRY REMOVAL While checking my credit report online with the Credit Reporting Bureau, EXPERIAN, I noticed an unauthorized and fraudulent credit inquiry made by this company : Inquiry : XXXX XXXX XXXXXXXX XX/XX/2023 I tried to call Experian on XX/XX/2023 & spoke to someone in the fraud department named XXXX, who was horribly rude & even hung up on me! 
She could have been kind or helpful or courteous. 

So instead of dealing with EXPERIAN again & their rude customer service agents in the fraud department I decided to call XXXX XXXX XXXXXXXX directly & spoke to XXXX in Massachusetts in their credit card fraud dept. 
This was the same day, XX/XX/2023. 
And in talking to XXXX, because she was so kind and considerate, we discovered this inquiry was in fact fraud/identity theft, as whoever it was that applied for this credit used my name & information, but used an address that I lived at over 5 years ago! 
I did have a card with XXXX XXXX XXXXXXXX but that was maybe 15 years ago, so I wasnt sure if it was fraud or not, at first, but discovering this, now I know it was. 
So XXXX said they would request to EXPERIAN to remove this from my credit profile but that they dont always comply in a timely manner. 
This can all be verified through XXXX XXXX XXXXXXXX with their existing claims dept. 
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 2023-05-03
Company: Credit Karma, LLC
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 opened a Credit Karma Money Spend Account, where {$4000.00} in funds were stolen out my account using a debit card that i never recieved in the mail. I called the support daily looking for ways to protect my account but recieved no help. 

XX/XX/XXXX : {$1500.00} XXXX XXXX XX/XX/XXXX : {$2300.00} XXXX i have proof this was not me. 
please help i had a card shipped in the mail it was never recieved i lost access to my account and by the time i reached the customer service my money was gone i called everyday even at time with support from Credit Karma saying unfortunately it was nothing they can do to help me and hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am a consumer who reached out to Transunion about 13 loan accounts that were reporting on my consumer report without my written consent pursuant to 15 USC1681 b ( 2 ) Transunion did removed the tradelines from my report on XXXX XXXX I have a right to privacy, and no consent is IDENTITY THEFT. publishing this information has for years caused my Transunion report to have a lower score, and also affected me from being able to obtain certain things at a lower rate. Is so frustrating that these bureaus have the power to do this to consumers it is fraud, it should be more done to stop this invasion of privacy. Pursuant to 15 USC 1681n ( a ) Transunion violated my consumer rights and is liable for XXXX each violation I have invoiced this organization in reference to my remedy. I will pursue more legal action if I do not get a response back from Transunion for the suffering and also the fraud that was taking place. Deletion is admission and Transunion never had my written permission to furnish this information. I do not have the account number Transunion has removed the accounts, the accounts were under fed loan, and I will attach an exhibit that I also provided to Transunion I have sent an invoice demanding payment for violating my federal rights. 15 USC 1692 fair debt practices act references individual privacy 15 USC 1692 ( A ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. Transunion was reporting 85,376.00 worth of an alleged debt without my permission, and I demand that they respond to my invoice with payment I have also attached exhibits that I sent to Transunion .The accounts that were deleted was 13 fed loan accounts

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

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 inructions 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 2023-02-14
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX XXXX in the state of Louisiana and I XXXX in XXXX XXXX. I received a paycheck of {$15000.00}. On XX/XX/2023, {$15000.00} was directly deposited into XXXX XXXX XXXX account ending in XXXX and {$200.00} was directly deposited into my chime credit builder account ending in XXXX. I decided to save a portion of the check by opening a savings account with Chime and initiated an ACH transfer of {$10000.00} from my first horizon checking account into the savings account with Chime. Immediately upon initiating the transfer through the Chime app, my account was flagged with suspicious activity and all of my funds were frozen and/or restricted. I received an email detailing documents that are required to verify my identity, which is understandable. I provided everything they asked for : a copy of my drivers license ( front and back ), a copy of my paystub, a bank statement, a copy of my social security card, a picture of my passport, a selfie holding my license up with a sheet of paper with my name and date on it, a written statement detailing the transaction, a letter of verification from my banking institution. Even after all of this documentation that I have provided, Chime still has my account frozen and restricted access to my funds. When I call customer service, they explain that there is nothing they can do on their end to remove the restrictions and pretty much tell me that I have to provide documentation, which I have. The customer service representative says that he can see all the documentation I've provided and even still his hands are tied. The representative says that I must communicate via email in order to fix the issue. Unfortunately, I am unable to reach anyone from the department that oversees account restrictions and security alerts. When I email XXXX, an automated response is sent to me asking for the same documentation that I have already provided with a link to upload documents but the link doesn't work. To this day, I have yet to speak to anyone through email and my account is now being considered for closure. I have {$10000.00} in a Chime checking account that is virtually stuck. All I want here, is to have the restrictions from the account removed so that I can transfer my money back to my checking account with XXXX XXXX so that I can close the account with Chime altogether. I'm concerned that Chime is essentially giving me the run around as a means to take my money. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This Account was disputed and deleted by the credit bureau ( Transunion ) in XX/XX/2018, it was then sold to another debt collector and is being reported again illegally and Transunion has allowed this!

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 2022-10-31
Company: EQUIFAX, INC.
State: NY
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:
XXXX account number XXXX is reporting with incorrect negative remarks. I have closed, settled and Paid XXXX in full. Per my understanding and agreement the account should report as paid and closed, no negative or updates should be reporting after settlement. The account has Unavailable data for 2 years then there is an incorrect Charge off reported on XX/XX/2022. I am beyond disappointed on the inaccuracy of my report which I have disputed multiple times before and I'm still unsatisfied with the answers I have received. The information reported on the account XXXX is damaging financial and misleading.

Company response to consumer: Closed with explanation