BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received a text message asking if I had attempted an online XXXX transfer of {$3500.00}. Immediately after this I received a call from the Bank of America phone number by a person ( XXXX XXXX ) who told me that I order to get my money back I needed to do a XXXX transfer to myself for {$3500.00}. I followed his instructions and from the information on my checking account, the transfer to me was made. He then called me back later and said the transfer did not work so I needed to do the transfer again. I did not have sufficient funds in my checking account so the transfer was taken from savings for {$3500.00}. Again, the information on my savings account it looked like the transfer had been made to me. After I saw that my balance had been drawn down by {$7000.00}, I called BOA and was told that they had not called me even though the call was from their phone number. I filed a claim with them on XX/XX/XXXX and for the {$3500.00} that was stolen from my checking account, I got the funds back on XX/XX/2022. When I saw no action on the savings account I called again and BOA opened another claim on XX/XX/2022. I received a letter today dated XX/XX/2022 stating that my savings account would not be credited. I dont understand how this should be the case since the fraud occurred in two instances on the same date and Im the owner of both accounts. Why would I get the money back for the checking account XXXX fraud and not for the savings account? I called BOA again XX/XX/2022 but they said the 45 day waiting period was not up until Monday, XX/XX/2022 and they would send any documents used to make the decision to me.

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 2022-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX Account XXXX xxxxxxxx XXXX I wrote to Equifax on more than XXXX occasion informing them that this is not my debt and I am not responsible for this debt. This is actually my ex-girlfriends debt and I would like it removed from credit report. They have not done so. I did not apply for this debt and I am not liable for this debt so I don't understand why they won't remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: CITIBANK, N.A.
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:
In XXXX and XXXX I noticed two inquiries placed on my credit report from Citibank/way and CBNA. I immediately contacted Citibank and CBNA informing them of fraud and I explained I never applied for credit from their companies. The Representatives ensured me that this dispute will be forward to Citibank and CBNA as fraudulent. The inquiry is still appearing on my credit report. I'm asking that this fraudulent inquiry be removed. I contacted these creditors and they did not do as promised.

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 2020-12-29
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:
I checked my credit and i notice a car loan from XXXX XXXX XXXX. I immediately contact them, and told them i did not purchase any vehicle nor am i aware of taking a loan from there company. After i went to the police station and made a police report. I never gave permission nor sign any documents with XXXX XXXX XXXX. This is Fraud and want this taking off my credit report. thank you.

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 2022-08-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I was awarded the home in divorce proceedings and received Special Warranty Deed. Both the Mortgage and HELOC were in Ex-Husband name only. Paid off first mortgage but the was an Escrow shortage, of which Chase allowed me to do an assumption modification. When I complete the process the said it was denied because Ex-Husband would not sign the Modification Agreement. However ever month I have continued to make the payments according to the agreement and the continue to accept them. 

I recently received the notice about Foreclosure on the HELOC. I never received any notices on this loan because Chase was sending statements to an address give by Ex- Husband. Because he is only person on the loan Chase would not change address and they lost communication which him over two years earlier. When I called in and advised them that the home had been awarded to me in divorce, they advised me of an Accessor Of Interest position. I was told to send in Divorce Decree, copy of Warranty Deed, etc. So I did. The documents were reviewed and I was added as the successor. However Chase refuses to forward any Billing Statements or Documents of the original Loan Contract. According to their representatives, I can only reinstate the loan and continue to make payments. Also, at any time if my Ex-Husband wants to with draw any of the equity out of the home he can do so, as the line of credit is still open. They told me that Im not legally liable for the debt. Hence, I can only be given a limited amount of information, of which will be verbal. If Chase can forward a written Payoff Quote, why cant they ballade the debt and send monthly statements. What is the purpose of becoming a Successor of interest. 

There is an estimated XXXX balance and over $ XXXX equity. I went into a local branch and spoke with a representative who downloaded a Request For Mortgage Assistance Package. I forwarded the packet in with several financial statements, to show that I could make the payments but dont have the money to reinstate the loan. A representative confirmed the documents were received but could only say that someone will give me a call once the documents are reviewed. This person stated the they/Chase would not be able to release any loan documents prior to me becoming a Successor Of Interest, which includes monthly billing statements. 

Please tell me what are my rights as the sole property owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
. I sent a letter out on XX/XX/XXXX to XXXX, transunion, and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 


According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


I would like to know who did they talk to. 

How did they complete this investigation?

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 2020-12-30
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have already disputed this accounts with the credit bureaus. XXXX  has already disputed them I don't know why Experian and XXXX  havent. However, these are fradulent accounts and they need to be deleted from my credit reports immediately. 
I am a victim of the XXXX  data breach and I don't know who could've gotten a hold of my information. Please delete these 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 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Regarding case # XXXX, I disputed a purchase for a sweater that I purchased on my Capital One Quick Silver credit card. The sweater in question was purchased on 2/23/23 for {$120.00}. Within two month the sweater had fallen apart with multiple rips in the seams. I contacted the company that I purchased from ( Figs ) in order to give them the opportunity to rectify the charge. The email was not responded to by Figs, and there is no other contact information listed. I therefore disputed the charge with my credit card. In XX/XX/XXXX, I submitted supplementary information which was requested following my initial dispute, including images of the disrepair, receipts of the purchase, as well as an estimate to fix the article of clothing. My credit card rejected the dispute, claiming I did not provide enough documentation. Following this, I called and spoke to XXXX at Capital One Quick Silver, to inquire what I was missing, which she could not inform me of. I have provided all documentation requested and as a consumer, I should be protected from purchasing defective merchandise. I appreciate any assistance you can provide in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30
Company: CCS Financial Services, Inc.
State: AZ
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:
A derogatory account that was previously disputed and removed from my credit report around XXXX was recently re-inserted. This account was originally reported as delinquent as XXXX but I disputed it and it was removed. And now it is re-inserted. I was also not notified working 5 days of re-insertion. This goes strictly against the FCRA 611 ( a ) ( 5 ) ( B ). I would like this item to be swiftly removed from my credit report as it was previously removed from disputing it, and I was never notified of insertion. The re-insertion was made in XX/XX/XXXX. 

The company reporting this is Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX The amount in question is {$320.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: BSI Financial Holdings, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received an escrow analysis for my mortgage. This was the end of the first year of the mortgage, of which I have never missed a payment. The escrow analysis stated a new payment of {$1400.00}, which was {$210.00} less than my previous payment amount ( XX/XX/XXXX - XXXX XXXX  ). The letter also stated there was an escrow surplus of {$2200.00} which was due to me via check. I called the company TWICE to confirm the amounts were correct and both times the amounts were confirmed by different individuals. The individuals confirmed I would receive the check within 30 days of the letter. I never received the check but I was automatically charged the lower amount ( {$1400.00} ). After not receiving the check, I called the company again and they said the check was being put in the mail that day. I still never received the check or any clarifying information about what was happening. I waited approximately 60 days and called the company again ( on XX/XX/XXXX ), this time speaking with the manager. The manager explained that the analysis was incorrect and the letter provided an incorrect payment amount and incorrect escrow surplus. I was extremely frustrated because the company led me to believe that I could rely on this escrow surplus. But I was also frustrated because the manager said she was not sure how this would impact me. I wasnt sure if it would impact my credit, disrupt my mortgage, cause me to owe money next year, etc. I did nothing to have my payment changed. It was incorrectly changed by the company despite my efforts to ensure it was correct. I told the manager that this was wrong and that I was going to have to file a complaint with the CFPB. She begged me not to do so and asked that I give her 24-48 hours to get this fixed. She guaranteed a personal call back within 48 hours and promised that she would make it right. However, it has now been almost 2 weeks since that promise and I have not heard from her or the company at all. I called her direct line many times, called the general line and spoke with other individuals, but can not get her on the phone. All I know is they completed a new escrow analysis and they are changing my payment again. I have not received written notice of the new escrow analysis. I received a check this weekend for {$480.00} with the memo Surplus Refund Check. This is not the amount I was told I would receive. I feel misled and I am worried that Ive been harmed by BSI Financials faulty processes and poor communication. I have no other choice but to file a complaint here because I do not feel that BSI Financial is protecting me, considering me, or trying to do right by me. BSI Financial was not the company that I originally get my mortgage from. BSI Financial purchased my mortgage from another company. I am very upset with their performance and I wish they did not own my mortgage. I do not feel like they are focused on providing a good service to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of identity theft and there are two accounts that are reporting on my credit that is not my accounts along with some inquiries.I have taken notice that someone has been using my information to obtain credit in my name. I also attached my police report to support this statement. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
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: Was not notified of investigation status or results

Complaint:
I have already disputed this accounts with the credit bureaus. XXXX  has already disputed them I don't know why XXXX  and Equifax havent. However, these are fradulent accounts and they need to be deleted from my credit reports immediately. 
I am a victim of the Equifax data breach and I don't know who could've gotten a hold of my information. Please delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received emails from the following ; XXXXXXXX XXXX, XXXX, XXXX, XXXX. 

I gave {$350.00} to the email XXXX XXXX, in form of XXXX XXXX XXXX purchased at my local XXXX. I thought it was going towards my debt, but it was just a scam. 

I also gave {$300.00} to the email XXXX, because I thought it was going towards my debt. 

But when I kept receiving different emails, I called the company I borrowed from, and they told me it was bit them. 

So please be aware of the following emails. 

I have the emails to prove how they harass you and threaten you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
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:
I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, and all the other negative items I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt that has been sent to collections has another persons name, and it also has my name and a different date of birth ( which is not my birthday ). I will attach documents showing this debt collection that does not belong to me. This is my 3 rd attempt trying to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital one Quicksilver continues to commit fraud by lying, they never sent an affidavit, and in so need to be reported to a higher power. What capital one Quicksilver is engaging in is called fraud, and I have recordings proving they lie. 

No affidavit ever came to the address to be signed. Another total lie, I can prove this because they can not provide proof of postage, as if they do, it will be mail fraud. At this point I'm positive they'll commit mail fraud, because the company is committing various other kinds of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: RI
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 FCRA this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 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