BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting 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:
In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place. 
Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties. 
I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. 
I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 

XXXX XXXX XXXX XXXX inquiry date : XX/XX/2023 XXXX inquiry date : XX/XX/2023 XXXX inquiry date : XX/XX/2023 XXXX XXXX inquiry date : XX/XX/2023 XXXX XXXX inquiry date : XX/XX/2023 XXXX inquiry date : XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: NV
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 recently checked my credit report and noticed some accounts that I do not recognize and I have not authorized. I have apparently been a victim of Identity Theft. There are several mistakes and inaccuracies of the spelling of my name. There has also been inaccuracies in the addresses reported on my file. I am demanding these accounts be immediately removed from my credit profile. The items include ; Reported Names : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX : 1. XXXX 2. XXXX  3. XXXX XXXX Addresses : 1. XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX 2. XXXX XXXX XXXX XXXX, WA, XXXX 3. XXXX XXXX XXXX XXXX, XXXX, CO, XXXX 4. XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX 5. XXXX XXXX XXXX, XXXX XXXX, CA, XXXX 6. XXXX XXXX XXXX, XXXX, CO, XXXX I also have attachments along with this complaint containing the correct information. 

XXXX XXXX XXXX Unsworn declarations under penalty of perjury

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 recently checked my credit report and noticed some accounts that I do not recognize and I have not authorized. I have apparently been a victim of Identity Theft. There are several mistakes and inaccuracies of the spelling of my name. There has also been inaccuracies in the addresses reported on my file. I am demanding these accounts be immediately removed from my credit profile. The items include ; Reported Names : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX. XXXX  XXXX. XXXX XXXX XXXX  : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX. XXXX XXXX XXXX XXXX, WA, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, CO, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX. XXXX XXXX XXXX, XXXX, CO, XXXX I also have attachments along with this complaint containing the correct information. 

28 USC 1746 Unsworn declarations under penalty of perjury

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: MOHELA
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of Identity Fraud. On Thursday, XX/XX/2023 at approximately, XXXX, I received a text message from " JPMorgan Chase Bank ''. The Text stated that there was a Fraudulent charge of {$240.00} USD at a XXXX XXXX in Texas. The text prompted me to reply " 1 '' to Validate or " 2 '' to deny the transaction. I replied " 2 '' and another text stating that I would receive a phone call from JP Morgan Chase Card Lock Support. I received a call about ( XXXX ) 3 minutes claiming to be a representative for JP Morgan Chase Bank regarding the text message of the Fraudulent charges at XXXX XXXX. The caller had a valid list of my past XXXX transactions history from the account, and also verified one transaction in " real-time '' while driving. 
The caller asked to " Verify my Identity '' by sending me a text message with a code and to read it back to him. He then proceeded to tell me that there were several other " wire '' transfers/charges that were happening in real time of different amounts from {$5000.00} to {$10000.00} going to different accounts in different states. Then he said that since my account has been compromised, that they need to " freeze '' my current account and open up a new one and transfer money into my new account. Subsequently, they ( Wire ) transferred {$26000.00} USD to a " XXXX  XXXX XXXX '' account NOT associated with my Personal JP Morgan Chase account. 
I have been in contact with JP Morgan Chase Bank, a Detective with the XXXX Police Department and FBI. We ( Detective of XXXX XXXX ) submitted a search warrant to the XXXX XXXX States Attorneys office for review and was Approved. 

The Search Warrant Concluded that there was NO account at XXXX XXXX  XXXX that received the {$26000.00} and that the account provided to me by JP Morgan Chase does NOT exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Approximately one month ago XXXX XXXX XXXX, I received several emails from Bank of America stating a new account had been opened in my name that I did not request. I immediately contacted the Bank of America fraud department and after being redirected to call multiple different numbers I was able to speak to someone who could close the accounts and resolve my issue. After resolving the issue with Bank of America I placed a credit freeze on my account and followed all of their recommendations regarding identity theft. I was told by the fraud department representative that they would freeze any activity regarding my social security for their bank but I also should contact all of my personal financial institutions as well as sign up for a freeze in XXXX to freeze any future activity at other institutions. I completed all the recommended steps and today almost exactly a month later, I received a new set of emails from Bank of America similar to the emails from last month however the account number was different. I again contacted Bank of America and was shuffled around to different departments until I finally reached someone who could help me. After providing some verifying information the agent confirmed that a new account had indeed been opened in my name and that there had in fact been 3 attempts to open accounts in my name over the last month the previous 2 were denied however somehow this one was approved. I explained to the agent that I was assured that my information was protected at their institution and i could not understand why this account was approved. The agent couldn't offer an answer as to why the application was approved except that fraudsters are persistent and they will continue trying and sometimes they are able to get through. After a total of an hour, I was able to get the account closed and was again assured that my information was on high alert and secured in their systems from future activity, however, after these previous incidents I'm not confident in their ability to prevent this from happening again to anyone else.

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 2023-04-11
Company: Blockchain.com, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I recently sold {$9000.00} of bitcoin via blockchain.com. When I went to withdraw it, they said that XXXX transfers were temporarily unavailable, forcing me to use a more expensive ( {$25.00} ) wire transfer option. The reason they gave was instability due to the recent XXXX XXXX XXXX collapse XXXX This is nonsense, however : there is no reason XXXX would be harder for them to use because of this, as neither I nor they bank with one of the affected institutions. 

In order for them to wire me money, they required me to first send them a wire from my account, so I did that on Friday. I confirmed with my bank that they received the wire Monday morning, but they claimed they had not received it until that night. 

When I sought to withdraw money today via wire, the website once again told me to first wire money to them before I could access my funds. I have talked with several different support agents about this issue, and none has given me any assurance that I will ever be able to get my money, or told me what I need to do to access it. They say the matter has been " elevated '' but it's not clear what that means. They have explicitly said they have no estimate as to when this problem might be resolved. 

There is a clear pattern here of denying access to funds, when the terms of service promise that I can initiate a transfer to a bank account at any time. All I want is my money that they are holding. I would appreciate CFPB 's assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: EQUIFAX, INC.
State: NY
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:
Equifax is repeatedly falsely verifying inaccurate late payment information regarding XXXX XXXX XXXX XXXX on my credit file.

I have been complaining to Equifax and the CFPB about this matter for almost a year, but nothing has been done.

Upon information and belief, no one from Equifax has taken accountability for my credit disputes, therefore no one from Equifax can testify in court against me.

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Equifax to adhere to the law? Clearly, Equifax does not complete reasonable dispute investigations for consumers. From my personal experience, Equifax conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages.

I have been advised to provide Equifax and the CFPB with this Affidavit included in this complaint and wait for a response from Equifax. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Equifax to claim damages for myself as well as millions of Americans who have been affected by Equifaxs FCRA violations.

I was informed by XXXX XXXX XXXX XXXX that no one from Equifax has contacted them regarding these inaccurate past late pay disputes.

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the FCA Fair Credit Reporting Act XXXX XXXXXXXX ( XX/XX/2023 ), XXXXXXXX XXXX  ( XX/XX/2023 ), XXXX ( XXXX ), has violated my rights.

15 U.S.C 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-01-14
Company: RESIDENTIAL HOME FUNDING CORP.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 I closed on my house with a loan from Residential Home Funding Corp . The mortgage officer XXXX XXXX was incompetent at times and became unprofessional and rude when he didnt want to correct or admit his mistakes. He strung me along in the process and gave me misinformation regarding home insurance, down payment and interest rate. He also repetitively lost my paperwork. When closing was near, I felt pressured into taking a sky high 5.5 % interest rate on a {$280000.00} FHA loan ... which made my payments about {$2700.00} a month. Concerned about the high payments ... he told me it was just because of the {$8000.00} yearly taxes that my mortgage payments were so high and that its worth it and I I dont get a better deal. 

One month after my closing date Residential Home Funding Corp transferred my mortgage to XXXX XXXX XXXX. Ever since, I have been late on making many payments and I am struggling to avoid the foreclosure process. My credit is ruined and I cant even apply for an FHA streamline mortgage bc of my late payments. To add insult to injury Residential Home Funding Corp called me to tell me that XXXX XXXX no longer works with their company ( Im guessing he was fired ) and they lost my paperwork ( child support paperwork )! 

I do believe I was a victim of a predatory mortgage loan and I plan to seek civil compensation for the financial damages this mortgage loan has done to my current situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ Unauthorized addresses XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX, XXXX, mi XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-21
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2023. 
I was selling a couch on XXXX and a scammer wanted to Zelle me. I did not know this was a scam hype. I sent the scammer {$200.00} because I thought Zelle was updating my account to business so I could get all the funds. I googled Zelles customer service number and as soon as I called them asking what was happening, they assured me they were here to help. I wanted to know if it was a scam and the representative told me they would help me, but needed to see my screen. I downloaded the XXXX app that screen shares and I was immediately nervous and confused. The representative lead me to believe he was helping me get the full amount, the buyer on XXXX was trying to send me. I told him I dont want that money, its fake, and I want my {$200.00} I sent them given back to me. 
Then he continued to make me believe that I needed to have all these transactions on file to match some amount that I was being refunded and I yelled at him that it makes no sense but XXXX me, I did it anyway. I Zelled an unknown email with my name on it ( wasnt mine ). I also sent money through XXXX XXXX to a friend. He sent it back and then the guy made me buy bitcoin and withdrawal it! Why?! 

I called two different Zelle representatives. Both were male, non English speaking, and nice to me the whole time. They drained my account and after they couldnt touch my savings account, they told me Im out of luck and to ask my bank for help. 
I disputed all transactions through XXXX and ten days later they told me I sent the money so I wont get my money back. ( I saw the documents they sent me but they are no longer there ) The act that protects people like me says otherwise. I was a naive victim to some kind of crazy scam, that I am upset at myself for falling for. That {$1500.00} was not sent for any material or service reason. 

Update* XX/XX/2023 We called Zelle this morning and they stated there was no record of me ever calling. *

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid off a fee owed to my bank last year and its shown up on my credit report as " open ''. I 've checked with the bank, and i 'm squared away. They 're not sure why it 's on my credit report and I 'm not sure why either. I 'm worried this has affected my credit score. Please help, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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: Information belongs to someone else

Complaint:
This is a formal complaint sent to you requesting for your assistance to reach out to the Credit Agencies in connection to my previous written letters which I have sent through certified mail about XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. I have not heard any feedback or response from any of the credit agencies with regards to my request of removing this fraudulent account from by credit report. The said issue with this account has been addressed multiple times but no one have ever responded. I have been doing my research in connection to this and I found out that the Fair Debt Collection Practices Act and Regulation F requires that all credit agency should notify the consumer in specific forms of communication prior to reporting. Also, the Fair Credit Reporting Act requires that the credit agencies should provide a 100 % accuracy in all of the information. Considering these two laws, the credit agencies failed to observe both requirements.

Company response to consumer: Closed with explanation