BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: VA
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
I have two hard credit pulls on my report that were not authorized by me. One on XX/XX/2016 by Institution Information XXXX XXXX XXXX, XXXX XXXX I was in recovery in XXXX  at this time. 

The second is on XX/XX/2016 as well. By Institution Information Cap One XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I talked with an Advocate at Navient on XXXX XXXX 2017 and advised them that the monthly payment of XXXX was too much for me to pay right now due to all my expenses that I have. I told her that I could pay no more than {$350.00} a month right now and she did a calculation and said it should be in that ballpark ; however when the IDR was submitted, they advised me that my monthly payment would be {$680.00}, which is still too much. They do not take under consideration all the debt that you have. They look at your Gross, inwhich I do not bring home my gross. My loan was originally a little over {$40000.00}, they have assessed over 35.000.00 in interest. I think the interest charges are astronomical, I was advised my account accrues close to {$400.00} dollars a month interest along.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I refinanced my first mortgage and HELOC loan with Bank of America on XX/XX/20. 

At closing, Bank of America was supposed to pay off both my first mortgage and HELOC loan with proceeds from a new mortgage loan. Per the latest closing statement I received, the amount which was supposed to be applied to the HELOC was {$44000.00}. 

The HELOC loan was not paid off. I was not notified of this and later discovered it on my own. The reason I later received from Bank of America for why the HELOC was not paid off was that the funds on earmarked for payoff of the HELOC loan on the refinance closing statement did not match the final balance of the HELOC. This is due to Bank of America 's failure to update the closing statement for recent activity on the HELOC. The HELOC balance was inaccurate for at least 6 days prior to close as best as I can tell from my HELOC monthly statements. At the time of close, I verbally notified Bank of America of the discrepancy and was told that whatever the updated balance was would be paid off and the cash at closing due to borrower would be adjusted accordingly. Regardless of whether the balances matched exactly, the funds earmarked for payoff of the HELOC loan should have been applied to the HELOC loan as shown on the mortgage closing statement. The discrepancy was a small amount relative to the loan balance. 

At present on XX/XX/20, I can not get a straight answer from Bank of America about where my {$44000.00} is. I am told it will get wired back to the title company but can not get an answer on when. I am told that the department that handles wires is 'backed up '. When I try to call Bank of America to get more information I am repeatedly transferred to numerous different departments at Bank of America, waiting on hold for 20+ minutes each time only to be told by each department that I need to speak with a different department. I have emailed the loan originator, XXXX XXXX NMLS ID : XXXX, on XX/XX/20 about the issue and at present I still do not know when my funds will be returned. At present I am being charged interest on my HELOC loan. I am paying interest on a loan balance which should have been paid off one month ago and which I have no ability to pay off because the funds which should have been used to pay off the HELOC are being held by Bank of America.

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 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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 2018-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2018 I was notified about a hard inquiry open on my report, while checking my credit report I noticed this inquiry from a bank, knowing I havent signed up for anything to have this inquiry I contacted the company listed on the inquiry, while speaking with the company they were unable to find an account for my social as well as my address but did see several accounts with my same names as mine. Needing to have this removed from my account. This is not accurate.

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 2020-06-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
The issues that I am facing have been with Amazon which has not delivered the packages yet charge my account for the purchase. I have requested assistance to get this resolved and until I called on XX/XX/XXXX I found out that the matters were not resolved in my favor. 

Amazon has been delivering or not delivering the packages yet they claim they do. What they have done is misrepresent or lie to the credit card company. The deliveries are not left or signed by anyone quite frankly it is Amazon delivery which states its done and it is not. The company operates in a manner that is not only abusive to customers they are constantly cheating consumers. 

My current issue with Amazon charging my chase card for purchases that I never received is a matter that I need assistance upon. I have been through a lot of issues and was advised if I didn't authorize the purchase then it falls under fraud. Amazon maintained my credit card Information and regardless charges for items. 

I do not recognize the charges nor did I authorize them. 

Transactions : XX/XX/XXXX Amazon XXXX XX/XX/XXXX Amazon XXXX XX/XX/XXXX XXXX. overfilled me for transaction should have been {$190.00} not the amount they posted. No receipt provided to me in person on my folio at hotel or email. Now there is a over inflated charge on my account that is posted for XXXX XXXX XXXX direct was sent back product and charged me for the items. I was overcharged for the items. The amount should have been for XXXX not the {$220.00} Chase has informed me that they have setup my responses to be sent to me electronically. I never agreed to this and have not been getting answers until I call. They now claim that the cases are closed without my rebuttal. All purchases from Amazon. They have no proof of signature and the packages were not at my home. They can not claim that if they left a package at someones door it is your responsibility. Plus they have left items from neighbors at my house. This company has no controls. At this time I have none of the items and have been fraudulently charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received multiple emails confirming a account was opened under my information with Bank Of America. I did not apply for an account. Ive contacted the bank and informed them of the issue

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 2022-07-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I've mailed in a dispute to update my personal information. I requested to have wrong names, addresses and phone numbers removed. My name has been updated along with the removed phone number and my CURRENT ADDRESS. The inaccurate addresses still remain on my profile after Ive requested for them to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-02-19
Company: Experian Information Solutions 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:
On XX/XX/XXXX I sent an identity theft complaint to Experian XXXX XXXX XXXX XXXX by certified mail. According to the XXXX, Experian was supposed to block the information deemed as fraudulent due to identity theft on my credit report. As of XX/XX/XXXX Experian never blocked any information deemed as fraudulent due to identity theft on my credit report. Also, Experian never gave me notice as to why the information was never blocked from my Experian credit report. Experian is in violation of section XXXX ( XXXX ) ( XXXX ) of the Fair 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 explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-07-22
Company: Experian Information Solutions Inc.
State: NM
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:
I applied for XXXX XXXX card. I do not have a phone. can not access mobile app. could not access on internet site. Written request to fix access. NO response. Written request to identify the company of a transaction was met with fraud investigation and reissue of account. was not notified of fraud investigation suspension of account and reissue of account. I had also requested a waiver of the yearly fee and an increase in credit line. Was denied. Asked the account not to be renewed. Accepted loss of yearly fee already paid -account was in good standing. The account was closed with a credit on the account. However, the Account was closed for a fraud investigation. I was not aware/notified of closure and reissue of account. Reoccurring charges were denied. Did not activate subsequent credit card received in the mail. Received a bill in the mail about three months later statement was from reissued account with all kinds of fees and interest. Also received a letter stating the account was under investigation - this is in XX/XX/2022. However, the company is already reporting negatively, and I recall seeing something about a charge off. This is against the company 's own policy. I also recall something about alleged provisional credit after the fact. I was never billed or notified. I requested closure of the original account that was ignored- while in good standing with a credit balance. However, the company closed the account for a fraud investigation initiated on its own accord. The company is reporting to credit bureaus, I requested closure when I never activated the account it is reporting on. These correspondences are by physical mail and complaints to regulating agencies. Experian removed the monthly credit inquiries- and continues a report for a credit account I never accepted or activated. Regardless of whatever laws the company claims to be following- I had already stated before the company initiation of fraud investigation -I did not want to continue a relationship with the company. A new account was not warranted - accepted or activated. 

Credit reporting agencies are not providing the investigation information. the company has not proven that I accepted the account and/or activated the account. The reporting company has not provided the results of the latest fraud investigation- XX/XX/2022. The reporting of this alleged new account in accordance with federal law fraud investigation actions is premature, there is no interest, fees, collection and/or charge off warrented at this time.

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 2022-03-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My car was paid off in XXXX/XXXX/22. I was told my credit report would be updated by the end of the month. This company has continually failed to accurately report the status of my account. This account has been paid in full and should be reflected on all the credit bureau reports immediately!

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 2022-03-14
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My car was paid off in XXXX/XXXX/22. I was told my credit report would be updated by the end of the month. This company has continually failed to accurately report the status of my account. This account has been paid in full and should be reflected on all the credit bureau reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: AmeriHome Mortgage Company, LLC
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXX we were sent a escrow overpayment check from our mortgage company Amerihome Mortgage. In XXXX we received a statement and our payment had gone up. We called the mortgage company and they explained to use that the payment had gone up due to a shortage in our escrow because of a forced gap insurance on our policy. We asked then why there was a shortage when we had only had the house a year and it was enough to receive the mortgage. We made the payment to cover the " gap insurance '' and our mortgage went back down. Then in XXXX there was another credit for over payment. In XXXX we received a mortgage statement and our payment had gone up again. The first customer service rep told us that it was extra insurance added due to earthquake insurance. ( which is covered under our home owners and we are not on a fault line ) The next day we received another call saying it was not earthquake insurance but more flood insurance. ( which would now make twice on top of our original flood insurance we already pay ) The customer service rep stated that we pay {$2400.00} a year in insurance and we need to maybe look around for other insurance. We contacted our insurance company which states that we only owe {$1600.00} a year. When we contacted the mortgage company again the customer service rep just kept arguing and hung up on me. They are telling me that it is extra insurance but our insurance says otherwise and frankly we are at a breaking point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: MD
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:
The following accounts/inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief