BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX, XXXX ( Original XXXX XXXX XXXX XXXX  / ) XXXX Balance : {$1400.00} 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 2020-07-28
Company: EQUIFAX, INC.
State: TN
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:
Equifax and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I.C. Systems IncXXXX at XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Reference # XXXX XXXX has been sending me collection notices in the amount of {$720.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2019-09-04
Company: LAW OFFICE OF HALL AND ASSOCIATES
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am currently being garnished for my payroll at XXXX XXXX XXXX the first garnishment was {$570.00}. I disagree with this garnishment because I received no notification from the XXXX XXXX before they started garnishing my check and they did not do the proper check to find out my current address to ensure that I received notification for this garnishment. The company did not try to contact me before they started garnishing my check this judgment was set on XX/XX/XXXX the total of the garnishment was {$3500.00} this is past the six-year statute of limitation that they are not supposed to be trying to Sue or garnish anything out of my check. I would like to file a complaint due to the circumstances that I received no notification no court date I sign no papers for them to start garnishing my check this just started the first garnishment as I stated was effective XX/XX/XXXX any amount of XXXX XXXX. I only found out about the garnishment from my check stub and then I started making phone calls to ask to find out where this was coming from and HR provided me with the documentation that they received and I had no knowledge. On the document I received there is an old address that I have not been living at at least 11 years now and also the sheriff wrote on that form refuse to sign. I disagree because that was the incorrect address and I'm sure the person living there refused to sign because it was not for the correct person. With this being said I disagree because of the statue of limitations for the state of Tennessee has exceeded for XXXX XXXX XXXX to try to sue me or garnish my check for the amount is owed. In this complaint I am requesting for the XXXX XXXX to stop garnishing my check to stop trying to sue me because the statute of limitations has exceeded and it is past time in the state of Tennessee for them to recoup any funds from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Freedom Mortgage reports my account as Delinquent to credit bureaus even after paying off my loan. They did this for 3 times and may repeat in future. My credit score falls by XXXX points each time they report. 

First time their system did not pull the right amount even though I was on Autopay and they reported it as missed payment. They accepted their mistake and corrected it. 
My loan was paid off on XX/XX/2023. But they still reported my account as deliquent for XX/XX/2023 and XX/XX/2023. 

Their customer service is not helpful.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: KY
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was 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 information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-10
Company: Financial Credit Service, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting at XXXXXXXX XXXX on XX/XX/XXXX a company that identified itself as XXXX XXXX XXXX XXXX ( XXXX ) called my cell phone. I missed the call but returned it as soon as I could. On this first call they refused to give me any information as to who they were and why they are calling me. Since that initial contact they have called me 12 times. on XX/XX/XXXX at XXXX XXXX I finally talked to a different person that identified themselves as calling from XX/XX/XXXX. They said that they were calling to collect a credit card debt. They gave me the information and it was clearly the wrong person and a debt that I had never acquired. I ask for proof in writing and they said the law did not mandate it. Since that conversation one hour ago they have called me 2 more times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Two undisclosed or explained checks were sent to me as part of the overages in the original mortgage account. The checks were made to creditors that have accounts at {$0.00}. The checks can not be cashed by me and the company refuses to issue new checks. 

The company is Caliber Home Loans. They are not willing to correct the checks. 

Two checks written, one for {$1000.00} and the second for {$630.00}. 

Both to accounts that are at a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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 have look through my credit report and notice a lot of identity theft and fraud on my credit report I have sent letters certified mail ask each of them to validate all of these keep sending me receipts and they need to collect a debit which is not the original creditors the original creditors is sharing my info with alot of debt XXXX without my permissible purpose. I even got a return to sender mail back to me which is inaccurate information reporting also. So yes alot of debt XXXX are doing illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Markoff Law LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Markoff Law PLLC served me a summons on XXXX XX/XX/XXXX dated as issued on XXXX XXXX XXXX with only 28 days to answer the summons. I was not only served over a month after the issue date of the summons but I also do not recognize the debt and have never received any verification of this debt by Markoff Law PLLC. By law I am legally allowed to ask for verification and be provided verification of a lawsuit prior to being served. I have never received one thing about this debt from XXXXXXXX XXXX in the mail or even a phone call. The debt is for an alleged amount of {$2500.00} according to the summons. The APR is 159.57 % which is outrageously high and usury in the state of Michigan. The loan number on the summons is redacted as well as the customer number so I can't even call to try and get information about this alleged debt to find out what it is. The signature on the loan is digital and not wet and was signed electronically when I was actually in XXXX XXXX XXXX  on XXXX XX/XX/XXXX. There is absolutely no way that I signed for this loan or that it is mine. This debt is fraudulent and the debt collector is trying to fraudulently collect this debt through illegal methods. I have never verified this debt nor have I even heard of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I called and requested a deferment on my mortgage due to the Coronavirus pandemic and was approved for 90 days. I received a letter in the mail from the U.S. Bankruptcy Court stating that my deferment was ending in XXXX, which should have been XXXX because I actually made a payment in XXXX. Due to filing Chapter XXXX Bankruptcy XX/XX/XXXX, I was told my Attorney would need to send a letter allowing Bank of America to discuss the terms of my arrangement which I did and at that time I was told my Account Rep named XXXX XXXX would get back to me with the outcome. I never received a phone call from her and she did not return numerous phone calls from me. I did receive a second letter from the U. S. Bankruptcy court noting an extension until XX/XX/XXXX. I called the bank today to get the details of my deferment and was advised that I was not in deferment, but forbearance which was the very first time anyone had communicated that to me from Bank of America. She stated that I would have to pay the entire past 5 months in full by XX/XX/XXXX but could not go into detail due to my Bankruptcy status and transferred me to a different Dept. I got someone by the name of XXXX in Arizona on the line and he advised he would look into the matter and would place me on hold, he actually terminated the call and DID NOT call back. I have no way of reaching anyone else to discuss the detail of my loan and my Account Rep does not respond to VM messages. I have requested a new AR on multiple occasions and each time I am told, the issue would be escalated and someone would get back to me but never happens. There has been little to no communication in regards to my payment arrangement that has been made with Bank of America and this is wrong. As I was typing this complaint, I got XXXX from XXXX on the line after waiting an additional 1 hour and 45 minutes, he stated XXXX XXXX XXXX XXXX XXXX is my Case XXXX now and transferred me to speak with her which ended up being another spot in a queue. Before transferring the call he stated she was supposed to call me 30 days before my arrangement ended to discuss repayment and once again someone at Bank of America has dropped the ball when it comes to handling my Mortgage. Completely unacceptable.

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 2023-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo drafted {$600.00} from my savings account that listed my son on the account at the time this account was opened my son XXXX XXXX was a minor so I XXXX XXXX was the custodian under the XXXX XXXX. This draft was due to fraudulent activity that occurred on my son XXXX XXXX separate checking account where he is listed by himself. It was communicated to me that the bank had the right to draft the funds for the overdraft fees from the savings account because he was listed on the account. The claim with Wells Fargo was made on XXXX/XXXX/XXXX with a customer service rep by the name of XXXX who would not communicate her last name because she stated that they are advised not to give out last names, never the less she communicated that I could go and close the savings account where my son and I were listed together and all funds would be refunded to the primary account I asked the representative several times would the funds be refunded to the primary and I was assured that it would be, so here we are over 30 days later where the claim has been resolved my son primary checking accoutn is current and all of his funds are available to him and for some reason I have yet to receive the {$600.00} that was removed from the shared savings account. The claim that we made was approved and for some reason I have yet to receive the {$600.00} that was drafted from the savings. Now since then my son as well as myself have made numerous attempts to have this issue resolved only to continue to receive the run around and to be given multiple explanations as to why the {$600.00} has not been refunded. There was a deposit made into the account for {$1600.00} on the date of XXXX/XXXX/XXXX but only {$850.00} was made available to the account never the full amount of the {$1600.00} which means there are funds that still need to be disbursed and still I have no resolution from Wells Fargo as to were those funds are so by filing this complaint I am hoping to secure those funds that were taken away from the shared savings account due to fraudulent activity that has occurred on the person primary checking account.

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 2020-10-16
Company: GOLDMAN SACHS BANK USA
State: CA
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:
On XX/XX/XXXX I got a {$120.00} fraudulent charge from XXXX on my Apple card from Goldman Sachs. I reported the charge immediately and the charge was reversed. They changed my card number and I didn't think twice about it. 

Then, on XX/XX/XXXX at XXXX PST my XXXX XXXX was compromised by a phishing scam. My credit card, the Apple Card by Goldman Sachs, also became compromised in this process. I lost ability to use the card as soon as I reported the fraud and was told multiple that I couldn't close the credit card because the account was under  investigation. On XX/XX/XXXX, somehow the person who hacked my account was able to make an additional fraudulent {$4500.00} purchase at a jeweler in XXXX ( I live in XXXX  ). Apple Card support  could not provide a reason that this person was able to use the account that I was told over and over again had been " frozen '' since my XXXX XXXX  was hacked at the end of XXXX. 

Whoever hacked my XXXX XXXX account changed the email address and phone number associated with the account so I wouldn't be able to use the two factor authentification system to recover my account. Since the account is under investigation, XXXX XXXX at Goldman Sachs won't let me change the contact email address or phone number on the credit card account back to my contact information, which means they keep emailing the hacker my credit  card statements every month, which is a violation of my privacy. 

Every time I speak with someone from Goldman Sachs they tell me that they will reach out to a supervisor and make a note on my account to stop emailing my hacker, but every time I call and follow up none of those things have been done and my credit card statements are still being sent to the person who hacked my account. My account has now been " frozen '' and " under investigation '' for almost 5 month, accruing more fraudulent charges, and I'm unable to close the account. I've spent hours and hours on the phone with XXXX XXXX  and Goldman Sachs customer service and no one can explain why there isn't a better solution than me calling once a month and waiting for the account to stop being under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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:
When I provided a copy of the FTC report, it was determined that credit bureaus are not interfering with records. Because it is required by FCRA Regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If you choose not to impede the following objects recorded under that are responding incorrectly because of fraud. The following items need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXXXXXX Balance : {$1200.00}.

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: Experian Information Solutions 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:
I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX XXXX, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$4900.00} that is reported on my credit bureaus is from a car accident I had back in 2018, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX  has its own internal insurance based on these types of scenarios that are also reported in their XXXX quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should be deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX XXXX XXXX XXXX is using a XXXX accounting system that hurts consumers in the XXXX XXXX, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX XXXX XXXX XXXX, it will find that XXXX is a part of its back end profits they simply are not entitled to. My credit report is being held XXXX for a minor profit that may sound small in scale to the wealthy corporate giant like XXXX XXXX XXXX XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be zeroed immediately, and as a professional courtesy by XXXX XXXX XXXX XXXX, the entire account should be deleted off of my credit reports with Experian, XXXX and XXXX XXXX collectively. XXXX XXXX XXXX XXXX  is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX XXXX XXXX XXXX internal self-insurance capacities. 
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