BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-03
Company: Experian Information Solutions Inc.
State: MO
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 been incarcerated since XX/XX/2012, and now I'm looking into my credit, I discovered unknown accounts to my knowledge and I'm requesting that these accounts be removed from my report, XXXX {$180.00}, {$370.00}, XXXX XXXX {$400.00}, {$110.00}, XXXX XXXX XXXX {$1.00} XXXX, XXXX XXXX {$1300.00}, XXXX XXXX XXXX {$83.00}, {$150.00}, XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX {$150.00}, {$41.00}, {$40.00}, {$20.00}, XXXX {$610.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$0.00}, XXXX/ XXXX {$610.00}, I would appreciate if these accounts was removed 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 2020-09-11
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar is incorrectly processing my monthly mortgage payments and has applied late pays incorrectly, and refuses to apply {$2200.00} escrow payment to escrow balance as they incorrectly applied it to principal reduction. I have called twice and been on phone with them for over hour each time and they failed to fully comprehend the issue at hand. 

All mortgage payments have been paid on time. However they are applying my mortgage payments to cover what they are calling an escrow shortage. I called on XX/XX/XXXX while I was on XXXX XXXX military and called again on XX/XX/XXXX. No action on their part was taken. 

Fixing it means that they take the time and effort and resources to review the entire account, and collectively we come to the correct mathematical conclusion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not a robot nor am I a 3rd party, however I am a 3rd year XXXX XXXX  and I have put in a lot of time to study consumer law, and I know my rights have been violated. 15 USC 1681 section 602 A. states I have a right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency CAN NOT furnish any account without my WRITTEN consent. FEDERAL LAW overrides ANY company policy. XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Remove any variation of my name that is not 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 2020-09-11
Company: Capital Accounts, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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 2022-10-04
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a prequalification application for a home loan at XXXXXXXX XXXX on XX/XX/22. This was for both me and my husband. The online application said that my credit would NOT be affected and that no hard inquiry would be done, that it was only the first step in the process. However, a hard credit inquiry was done immediately, for me and my husband. I was alerted to it that day through my bank. I looked up the information on Experian. It said " XXXX XXXX '' had run my credit. I don't know who that is but I think it's associated with XXXXXXXX XXXX because at the bottom of the report it says, " Real estate on behalf of XXXX XXXX XXXX XXXX. '' A loan officer named XXXX XXXX at XXXX XXXX was assigned to me automatically when I submitted the application and I immediately emailed him. It's now been two days and I've written him four times and him and his manager XXXX XXXX together once, and they are completely ignoring me. I called XXXXXXXX XXXX  nine times today and three times yesterday, and no one will explain what happened or fix the problem. I can not reach XXXX or XXXX. I called Experian today XX/XX/22 to ask how to dispute the hard inquiry. I told them that I have already disputed it with XXXX XXXX and they are not answering me. ( In the emails I specifically told them that I am disputing the inquiry and asked that it be removed for both me and my husband immediately. ) The employee at Experian said all I can do is ask XXXX XXXX to fix it because Experian can do nothing. I do not believe that's true. I've asked how I can dispute this directly with Experian, if I should mail a letter or something, and the person said it is impossible. She also said that any inquiries by XXXX XXXX are " authorized by law '' which does not make any sense. XXXX XXXX  specifically said in their application online that this would NOT happen, and I told them that I did not authorize this or have any knowledge of it happening until it showed up on my credit report. Law does not authorize running credit without the consent of an individual. I do not know what to do and my credit score has already gone down by XXXX points.

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 2019-04-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have attempted to open a bank account with Chase Bank several times over the years and have continuously had my account closed within 24hours of opening, even after finding the account, without any explanation. I have reached out to Chase and the only thing U can think is because I filed Bankruptcy which was dismissed nearly 5 years ago - with no history of a Chase account ever being included. 
I have Good credit, no XXXX  XXXX records, bank accounts with every other major financial institution and large amounts of liquid reserves. This can only be due discrimination! They have caused me severe financial hardship as my auto loan is in the name of my mother because Chase refused to lend to me without cause. All of my credit cards are Chase backed but I'm only an authorized user despite the fact I pay all of the statements on over XXXX in revolving credit lines. This makes no sense and I am begging for help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have disputed with Equifax on numerous attempts to delete this account -- instead they continue to update my account and verify it as accurate. it is totally impossible for them to verify the account with the inaccuracies it has. 

As you know, this is a violation of my rights so as a result of that, this account needs to be removed from my reports immediately. The inaccuracy is - report is claiming to have Balance amount higher than the actual High Balance amount which cant be. 


XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Chase Auto Finance-Loan # XXXX XXXX XXXX Trust issued a check to Chase Bank Auto Finance XXXX, AZ on XX/XX/2019. Chase Bank claimed the check never arrived. XXXX XXXX issued a stop payment, re-issued a check on XX/XX/XXXX via XXXX XXXX overnight. Chase Auto Finance signed for and received the check on XX/XX/XXXX, XXXX. Called chase auto finance at least 10 times and finally received confirmation the check was found by? department on XX/XX/2019. Chase Auto Finance employee # XXXX said verbally the check would post to the account in 24 to 48 hours. As of today, XX/XX/2019 the check hasn't posted to the account. Called chase auto finance -talked to employee # XXXX who said no the check hasn't posted but will in 10 to 14 days. Chase continues to add late fees to my account, affect my credit report and lastly do a very poor job handling their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: NV
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 reviewed a copy of my credit report and I show that inquiries listed on my report are inaccurate and or fraudulent. I have sent letters to credit bureau with no reply to the matter. I have also file and FTC, police report on fraudulent inquiries on my credit report. here are the inquires listed. 

Company Inquiry Date XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TransUnion and XXXX are fraudulent on my credit accounts : DEPT OF EDUCATION/XXXX  is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX  is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX  is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX  is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXXs fraudulent on my credit Account # 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 2023-02-10
Company: EQUIFAX, INC.
State: SC
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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Unrecognized Inquiries XXXX XXXX XX/XX/19 On Transunion and XXXX and XXXX  XXXX   XX/XX/19 On Transunion and XXXX and XXXX XXXX XXXX XXXX XX/XX/19 on all 3 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 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
UNDER THE FCRA LAW I would like the following inaccurate items removed from my credit report immediately. 

The following Name, Address, phone # & Social security # are NOT mine and would like them removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX This address has pertained to a business : XXXX XXXX XXXX XXXX LA XXXX. 
RETAIL TRADE BUSINESS : XXXX XXXX XXXX, XXXX, LA, XXXX. 

THE ABOVE ADDRESS IS NOT MY BUSINESS. 

FCRA violation

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 2019-04-03
Company: Sequoia Financial Services
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sent validation requests by fax on XX/XX/XXXX, no response for validation or HIPPA request. 
Sent another validation request on XX/XX/XXXX, second request sent by fax notifying them they failed to validate debt under 15 USC 1692 ( g ) Section ( b ) Failing to send HIPPA and being complainant to collect debt and share my personal information as a debt collector.

Sent a follow up with POA and another validation request since the last two validation request were ignored, XX/XX/XXXX.

Fax cover sheets for confirmation are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: CA
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:
Equifax credit agency has removed accounts on my credit report related to fraud and I have sent them proof on several occasions to correct and they still refuse to help me. It has been 8 months and they still will not this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT BUREAU is expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for my letter sent to Bureau previously and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider Credit Bureau responsibility. Please delete these items on my report that damages my score. THE XXXX XXXX XXXX XXXX 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 2022-10-13
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Let me inform you that I have contacted the furnisher and they agreed to REPAIR the account and remove the late dates from it. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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 the evening of XX/XX/2021, I reviewed my Bank of America XXXX XXXX Credit Card and noticed three fraudulent transactions on my card that I did not understand. All three transactions were titled ACH PAYMENT REFUND and dated XX/XX/2021 for {$1700.00}, {$2000.00} and {$1300.00}. In the details, the {$1700.00} was a full refund for my {$1700.00} credit card payment on 4/12/2021.the {$2000.00} was a partial refund for my {$2100.00} credit card payment on XXXX..finally, the {$1300.00} was a partial refund for my {$1400.00} credit card payment on XX/XX/2021. 

I make ACH Payments ( transfers ) from my Bank of America Interest Checking Account directly to my Bank of America XXXX XXXX Credit Card. 

All three refunds were NOT requested by me and the refunds did not show up in any of my Bank of America accounts. However, my XXXX card now shows that I owe an additional {$5000.00} of fraudulent transactions. My suspicion is that the money went into someone elses account fraudulently. 

On XX/XX/2021, I called BOA credit card customer service and after considerable confusion, I was referred to the Credit Card Fraud Investigation Department. The CSR created three requests to review the above ACH PAYMENT REFUND transactions. I was told that they needed 5-7 days to do the review and get back to me. I was also told that someone must have gotten into my accounts and requested partial refunds. The part that makes no sense is that with all the security, alerts and 2 phase authentication, somehow BOA authorized three refunds to be sent somewhere fraudulently. When I called back after 7 business days and again on XX/XX/2021, I talked to 10-15 different people with transfer upon transfer. I was told that it would take 2 credit card cycles to resolve, then I was told 45 days on average and also 30 days. It was apparent that no one had any idea how this would be resolved. To make matters worse, I asked for a problem number or incident number that are typically associated with a problem management system. Unfortunately, I was told that NONE exists. 

One CSR told me that an internal alert was created on XX/XX/2021, a day before the three transactions were posted. I DID NOT receive any alert nor did this alert stop the transactions. To make the situation worse, my son found an exact duplicate fraud issue on XXXX with the same fraud. Please see. 

https : XXXX? XXXX & XXXX & XXXX Finally, I had lunch with a friend a week ago and he told me that he has the same ACH PAYMENT REFUND ISSUE. 

So here I am waiting on Bank of America to resolve the situation. I dont have a great deal of confidence after spending 6 hours on the phone with many BOA representatives.

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