BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date openedXXXX Balance {$570.00} StatusAccount charged off. {$570.00} written off. {$570.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date openedXXXX Balance {$1000.00} StatusAccount charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date openedXXXX Balance {$0.00} StatusClosed. {$960.00} written off. 
XXXX XXXX  XXXX Potentially negative Date openedXXXX Balance {$1800.00} StatusAccount charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX/XXXX  Potentially negative Date openedXXXXXXXX Balance {$0.00} StatusClosed. {$1700.00} written off. 
XXXX/XXXX  Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
XXXX  XXXX  XXXXXXXX XXXX XXXXXXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have called and stated that they are charging me a duplicate amount and that I have already paid this amount. the account listed two of the same dated times and services and the same charges .This is a duplicate charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. The following information listed in this report I have no relation to. This has hindered me to be able to build a good credit profile. Under FCRA 605B I am requesting that this information is removed from my credit report within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any original documentation stating that I owe a debt to these creditor. Failure to comply will result in a litigation process against all parties involved including any agency reporting fraudulent information to my credit profile. 

The following information is fraudulent. 

XXXX XXXX XXXX Balance {$4300.00} XXXX XXXX XXXX Balance {$520.00} Inquiries : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Resident Verify XXXX/XXXX/XXXX Resident Verify XX/XX/XXXX Please Mail all correspondance to XXXX XXXX Pl XXXX XXXX NC 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 2020-06-30
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have reached to this company via certified letter after I discovered they placed an account on my credit. Apparently the account is for a debt that I do not own. I have health insurance and so does my wife. The allege debt is for {$1500.00} which is absurd- they have the incorrect person and I was never informed about the debt before they placed it on my credit. They have also contacted my employer.

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 2019-05-19
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a XXXXl MC card that accumulates points with purchase. I can not LINK my credit card to the online XXXX wallet that allows use of credit points like money. I have repeatedly called ( at least 10 times ) the credit card XXXX # to get this problem fixed. I always get the same answer : they can not do it, they have to submit a request to get this fixed -- wait 3-5 days -- and ABSOLUTELY NOTHING HAPPENS. 
Customer service on phone always nice people and polite, but the request never happens. Nothing is done. I have waited at least 6 weeks. NADA. 
I believe they are deliberately ignoring the request so I can not access my credit points and my points expire every month, because guess what, I can't access my points online. I get an error message every time I do this online. 
This is FRAUD on a slow walk. 
I absolutely hate XXXX but so many small business people use XXXX because you don't have to obtain a CC # to use. 
Since Synchrony Bank took over, all this problem began.

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 2019-05-19
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: Old information reappears or never goes away

Complaint:
The following accounts that currently listed on my Equifax credit report was previously deleted by Equifax, but keep reappearing on my credit report : MN XXXX XXXX XXXX account number in # XXXX and the XXXX  XXXX XXXX, the accounts are fraudulent, unauthorized and not mine. I have attached documentation for proof the accounts dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: ALLY FINANCIAL INC.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2018 in the amount of {$420.00} my auto loan payment was due. I called the Auto loan company and they agreed that I could pay past the 30 days and as long as it was paid before 45 days it wouldnt be reported as a late payment. I tried to reach the creditor and credit bureaus but no resolution was met. It still reflects on my credit score as 30 days late.

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 2019-05-19
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a pending Complaint I recently file with you concerning a defective XXXX XXXX  bought from XXXX XXXX XXXX XXXX. 
I have been receiving repeated collection calls and today I received a letter from Diversified Consultants the collection agency that has been calling and harrasing me about a bill I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XXXX of 2018, I applied for a home loan with BBVA Compass,  when my income was three times less than it is now, and I got approved, but we were not able to close due to some FHA stipulation on gifted money. I was told by Manager XXXX XXXX, that in six months I could get the loan. I recently re-applied for the home loan with again, but this time I got deny, although my credit is XXXX and my income is much 3 times higher, I still got deny. The loan officer XXXX XXXX said the reason was because on my taxes the financed property does reflect as my primary residence. I asked to have the loan re-processed as an investment property instead, but I have not heard from anyone on the matter. The loan officer said she will re-summit the application as an investment property, but I have inquired on the status by emailing my loan officer on multiple emails, but she has not updated me with any information ; whether the application is being reviewed or no. I have also tried to reach out to the loan department manager XXXX XXXX on many many occasions, but he has not been professional enough to acknowledge my calls or have someone else follow up. I dont know what to think about BBVA and  how inconsistent this bank is regarding costumer communication. Two days ago I called and spoke to a XXXX XXXX and she sworn to me that she was going get more information on the matter, and that she will get back with me herself or someone else, again, no communication. I havent heard from her or anyone. This bank lacks communication quality and has a very poor customer relations. 

Loan application number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
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:
data breach from XXXX has caused me to have 3 social on my credit ftc 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 2017-06-20
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Chase bank has lied to me. they illegally foreclosed on me in 2010.I fought them and spent {$37000.00} with an attorney and they put the house back into my name. The promised a modification which I have not gotten as yet. They provided me with a confidentiality agreement which I refused to sign as they have cheated me and want to hide that fact under the rug by shutting me up. they once again are trying to foreclose and also refuse to locate money i sent them. They cashed the checks i sent but never applied the money to y loans. ( XXXX loans ) .Please wo n't you help me. No one has as yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently graduated from graduate school in XX/XX/XXXX, at which point a number of student loans I am holding ( from XXXX expenses ) went from being in deferral to being in their 6 month 'grace period '. After learning that my private student loan debt was being serviced by a company called " University XXXX XXXX '' ( XXXX  ), I set up an account with the company to see what I owed. What I found was that XXXX listed two loans in my name, XXXX of which was familiar to me ( and which I have since refinanced with another lender ), and another that was not. Specifically, this second loan that I did not recognize was listed as being held by the XXXX XXXX " XXXX XXXX XXXX '' XXXX XXXX ), which has ( to this day ) not showed up in any of my credit reports. After searching the internet, there is no website or contact information available in connection to this lender. Some of the only relevant information I could find about this lender was that their loans were bought in XXXX by another lender " XXXX '' in connection with a foreclosure sale. I have a document from XXXX stating this ( attached XXXX. I have also contacted XXXX and they assured me that they did not own this loan ( however, they did own my other loan serviced by XXXX, which I have since refinanced with another lender ). 

At this point, I contacted XXXX for clarification regarding the details of this loan and to express my concern regarding its potential validity. UAS responded via email that " Some loans from EEF were purchased by XXXX but not all ''. I contacted XXXX again shortly after to request contact details for the lender. I was told that contact details were not available for EEF and that I should instead direct all inquiries to UAS. Strangely, after some prodding, a representative at XXXX gave me a phone number for XXXX, which when I called it someone answered and confusedly said I had the wrong number. On XX/XX/XXXX, I called XXXX again to request a copy of the Master Promissory Note ( MPN ) for this loan, as well as any other kind of documentation proving its validity. Also, on XX/XX/XXXX, I mailed a signed, formal request for the MPN for this loan to XXXX ( attached ), which I can verify via tracking ( receipt attached ) was delivered to XXXX on XX/XX/XXXX. As of XX/XX/XXXX, XXXX has still not provided a copy of the MPN or any other documentation establishing debt verification to me for this loan. The loan is now entering delinquency, and I don't feel comfortable making any payments without any evidence that the debt is indeed valid. I have expressed this to XXXX and requested that repayment be halted until proper documentation is provided, but XXXX has continued to threaten me with late fees, collection agencies, and negative credit reportings if I do not pay soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Square Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Name of the product or service involved. 
XXXX XXXX ticket / Cash App purchase The dollar amount in dispute. 
XX/XX/XXXX at XXXX XXXX Captured {$240.00} XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX at XXXX XXXX Captured {$28.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Captured {$10.00} XXXX XXXX Identify your attempts to resolve the issue ( s ) with the company, corporation, or organization. 
XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX  XXXX and XXXX XXXX accounts do not belong to 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 2018-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I am filing a complaint with Equifax for refusing to comply with the FCRA 605b. I followed FTC 's process and got police report, turned in 2 forms of ID and a letter requesting that I have accounts that wer tied to a fraudulent bankruptcy removed as well as these items were a result of ID theft. I waited 3 hours to speak with a supervisor and was told that these 3 remaining accounts would not be removed : XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX. In accordance with FCRA 605B theese items are supposed to be suppressed ( removed ) from my credit report as long as I have submitted required info with 4 days. The supervisor, who would not give his name, told me " anyone can get a report and claim id theft, we are not blocking your info ''. I asked him about being notified within 5 days that they are/are not blocking the info by letter, I was also told, they will not disclose any info pertaining to my account or as to their company policies.

I am demanding to have these fraudulent items BLOCKED FROM REPORTING, I followed procedures and am being denied my rights according to the law ( FCRA 605b ). Equifax, is preventing consumers like myself from remedying the disaster that ID theft has caused us financially and credit wise. If this is not settled, I will be pursuing litigation to recoup the damages they have continually cause to my credit health and reputation. This is ILLEGAL and should not be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following XXXX XXXX XXXX MasterCard account ending in # XXXX is a fraudulent account. I never applied for a credit card account with XXXX XXXX XXXX XXXX. The account is fraudulent, unauthorized, not mine and dont belong to me. I did not apply for the account. I am a victim of identity theft and someone else impersonating 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 non-monetary relief
Consumer complaint received 2019-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019, Bank of America presented me with an offer to open a new checking account. The offer promised a {$300.00} bonus for opening the checking account and completing certain activities. Bank of America presented the offer to me after I logged in to view my Bank of America credit card details. I have screen shots of the offer appearing on my account summary screen, as well as details of the offer terms. 

On XX/XX/2019, I opened a checking account on Bank of America 's website using the bonus offer link provided. I subsequently complied with the bonus offer terms - completing the required direct deposits and waiting the requisite amount of time for the bonus to post to my account. 

After complying with all of the bonus offer conditions, I contacted Bank of America on multiple occasions to determine why the bonus payment had not been posted to my account. Most attempts to contact the bank resulted in no definitive response, as the representatives were unable to provide an answer. On XX/XX/2019, I contacted Bank of America again regarding the bonus and was told that I was not eligible to receive the bonus because I did not received an email or mail piece targeting me for the offer. I explained to the bank that I was targeted for the offer on the bank 's website, but was told that I would not be eligible for the offer based on that solicitation. 

I believe that I am entitled to receive the {$300.00} bonus offered to me. I was targeted for the offer on the bank 's website ( after logging in ) and complied with all of the offer 's terms. The bank 's excuse that I was not targeted for the offer via email or mail is not a valid justification for its failure to comply with the offer that was presented to me by the bank on its website.

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 2019-05-19
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
I missed one payment The company decredited my credit by 80 % ive been with this credit card company for many years they took it upon themselves to investigate my other accounts and based on what they found did the decredit .. I feel they shouldnt of pride in my personal finances to make there decision..I read nothing of the sort in my agreement to credit card ..plus ive never missed a payment .. Now my score went down for one missed payment ... lts none of there business how many accounts i have

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 2021-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
USAA FSB Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$140000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation