BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-31
Company: U.S. BANCORP
State: LA
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:
US BANK keeps reporting a fraud account on my credit report that does not belong to me!! I have been trying to get this matter resolved for years now but they ignore my communications and will not address nor help me to resolve this. the account was opened in XX/XX/2014 with a balance of {$6600.00}. this is not my account nor was it opened by me!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had 2 mortgages.

Second mortgage lender ( XXXX XXXX ) went out of business ( filed bankruptcy ). 
His successor Lasalle Bank is lien holder on my property since XXXX 
I have never received any request for payment. I never paid that portion. 
I am trying to sell the house and I can not find Lasalle Bank nowhere.

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 2018-03-04
Company: GOLD KEY CREDIT, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently been informed that there is negative information reported by Gold Key Credit Inc in the file you maintain under my credit report. Upon reviewing a copy of my credit report, I see an entry listing I Never contracted with Gold Key Credit Inc this company is engaging in fraud and is using my personal information to destroy my reputation and credit score to pay them a debt I never owed them or contracted with them for any product or services. I asked for this fraudulent claim to be deleted and removed from my credit report and for them to be investigated for fraud. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with Gold Key Credit Inc and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC has put up barriers in linking and sharing accounts with our apps in the name of privacy and security. Agreed that privacy and security are important but stopping the linking of accounts is wrong. Other banks and financial institutions have figured out what to do - why is PNC still stuck in the middle ages. 
All, I was trying to do today is to link PNC with a new XXXX brokerage account. XXXX uses Plaid for the connection so funds can be transferred to and fro electronically. That seems to be too much for PNC to handle even after doing 2-factor authentication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/20 {$33000.00} was wired from my bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX to Chase Bank XXXX XXXX XXXX XXXX NY Account No. XXXX Routing No XXXX. This was for the purchase of a RV purchased thru XXXX XXXX This sale turned out to be a scam so we contacted our local police and the FBI and currently there is an investigation in progress. The investigators are trying to obtain information from the banks in regards to this transaction so that the scammers can be caught.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX I made a balance transfer from XXXX XXXX XXXX XXXX and a check was mailed to Macy 's credit card in the amount of {$1100.00} to pay off my account with XXXX XXXX. The check was mailed on XX/XX/XXXX and was cashed by XXXX XXXX department store on XX/XX/XXXX. I called XXXXXXXX XXXX a few days later to ask why the money had not been credited to my account otherwise making another payment due to XXXX XXXX. I was assured that it would be credited within 3 days and I would not have to make another payment to my account. I thought everything would be credited and my balance would be XXXX after that.Then I received an email from XXXX XXXX  on XX/XX/XXXX, stating that a payment was due on my account. I called XXXXXXXX XXXX and learned that my account was never paid off and is in dispute ... .I was never informed that my account was in any dispute and the customer service person that I was taking to refused to give me any more information. I asked to speak to her supervisor and I was told the money was applied to another customers account and they could not figure out to whom they applied it to, so my account is in dispute. I was informed that XXXX XXXX asked for a copy of the check from XXXX on XX/XX/XXXX to verify that funds were sent to my account, but XXXXXXXX XXXX will still not release payment to my account. I contacted customer support at XXXX XX/XX/XXXX and the customer support person put all of us on a 3 way call XXXX was told the same thing. My account was put into another 21 day dispute by XXXXXXXX XXXX   starting on XX/XX/XXXX and now I am making another payment to XXXX XXXX. Since this time my XXXX credit card that I transferred the balance to is now due and I am making 2 payments for XXXX XXXX. I am unable to resolve this mater and would appreciate any help I can get.

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 2018-03-05
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Back in XX/XX/XXXX I made a payment to my XXXX XXXX credit card account. Well my primary checking account company took way too long to process the payment which is a first and the payment for my credit card ended up getting rejected and of course I ended up with a ton of fees. I called my checking account company and they apologized for it and handled the situation. Unfortunately I can't say the same happened for XXXX XXXX. I called them to explain what happened and the man I spoke to ensured me not to worry because he shows that the payment went through, but apparently it didn't because I ended up with around {$50.00} in charges. I continuously have issues with this credit card company. This is ridiculous and I want these charges taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive my credit report around XX/XX/2020 and it showed that I owed a company called Transworld Systems Inc on behalf of XXXX. The amount shows a balance of {$3000.00}. I reached out to them by sending a debt validation letter concerning this debt. This is not my account and I have asked them to remove it. Transworld sent me a letter in XX/XX/2020 responding that they received my inquiry. But they are still reporting inaccurate information as of today XX/XX/2020. I verbally spoke with someone sometime in XX/XX/2020 from Transworld and to this day I have not received any information validating this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have received my recent credit report and the follo0wing hard inquiries have pulled my credit report without my consent or authorization I have tried to contact the below consumers and have not received an response or removal of fraud information from my report. 

unknown and nonconsent company credit pull : Capital OneXXXX XXXX XXXX XXXX Capital One Auto FinXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Original Creditor ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : 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 2020-07-04
Company: EQUIFAX, INC.
State: MA
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 requested and was granted forbearance on my mortgage with XXXX XXXX XXXX. It is showing as delinquent on XX/XX/20 my credit report and my credit score has tanked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls have been everyday for 3 weeks. Sometimes it's one call, sometimes it is 3 calls. I have emailed them repeatedly explaining my financial hardship. They refuse to work with me. They leave no messages. Return no emails.

This is PayPal Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
on XX/XX/2020, i mailed a letter asking for verification of accounts listed on my credit report because I was recently denied credit. I never received a response so I mailed another letter on XX/XX/2020. It has been almost six weeks since the last letter and I still haven't received a a response.

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 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hello i have disputed multiple items over the month with transunion. They keep comming back verified. Transunion hasnt produce any documentation proving they verified these accounts. Federal law stats that they must have my contract on file. They just keep verifying these accounts without showing any documentation.

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 2021-02-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo first stated my personal property wasnt mine, allowed XXXX XXXX who was mistakenly hired by XXXX XXXX to steal {$500.00} from me, and never deliver the remaining {$200.00}. Upon perfunctory and cursory review, Wells Fargo has lost at least 5 lawsuits totaling billions of dollars each for defrauding clients. 

Their solution is indeterminate, a void contract, and a proven lie, false promises with no delivery, as they stated the check was rendered by me on XX/XX/XXXX when I was in the ER at XXXX XXXX XXXX XXXX in XXXX, AZ for XXXX hours due to a XXXX. They further stated my monies of {$200.00} would be returned after a fabricated 60 days following their chosen date of XX/XX/XXXX, whereas no check was received at my mothers address of XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 

Their track record, like XXXX, is marred with blatant corruption : lack of disclosure, fictional recounting of events, indeterminate and changing timelines with fallacious reasoning, and non-delivery without forced compliance.

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019

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 2020-05-14
Company: EQUIFAX, 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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. XXXX is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Original Creditor ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi, I receive a alert from my phone while I was putting both of my baby to sleep while my wife is on dialysis due to chronic XXXX XXXX Stage XXXX End Stage. My phone got an alert that pop up and It shows there is a payment of {$650.00} to XXXX that has been transfer to XXXX ( XXXX ) XXXX which I am not aware of and I am disputing this transaction as it is not authorized by me. I reach out to Chase claims department and they said their is nothing they can do about it and the transaction was authorized which is fraud. Can you please help me get my money back? I am located in California and XXXX area code is in New York?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

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 2020-12-01
Company: EQUIFAX, INC.
State: TN
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:
on XX/XX/2020, i mailed a letter asking for verification of accounts listed on my credit report because I was recently denied credit. I never received a response so I mailed another letter o XX/XX/2020. It has been almost six weeks since the last letter and I still haven't received a a response.

Company response to consumer: Closed with explanation