BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-27
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bought a XXXX in XXXX. Just 5 months later XX/XX/2014 a drunk driver caused a bad accident and had no ins. My insurance XXXX XXXX totalled my car and paid the car off. They have me in debt still for {$970.00}. The total amount of car was {$17000.00}. Also the debt is well over the statue of limitations. I have write 3 letters to them stating all the above and that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof of ( an original consumer contract with my signature on it ) you have on file. Under the FRCA, unverified accounts must be removed. 

They have ignored my request and just keep sending back the results are accurate. Please help.

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 2022-02-27
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Been usin netspend since I don't have a bank account. I just got laid off but I was happy to kno that I still had {$22.00} left that I can use for gas to help look for another job. Will I pulled up to a gas station just to find out Netspend closed my account. I still have the app state I'm still a customer and my remaining balance. I call them to try and resolve it, they ask me for my social security number or card to continue on, but it said it's invalid.

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 2018-03-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This was a mortgage account that should have been closed in XX/XX/XXXX when it was paid in full. In XX/XX/XXXX I paid off this loan in the amount of {$250000.00}. As of today, XX/XX/XXXX, I am still receiving correspondence from Wells Fargo indicating this account remains open. I have repeatedly tried to address this situation directly with them.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-03-03
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am So fed up with this company this is the THIRD time that I've had to submit my information because they claim they can not verify my identity with my documents which makes absolutely no send because I have sent legible government identification. Please complete my request thank you. By the way please do not put a phone number if you never answer nor call back any one, that's very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a loan modification with AmeriHome Mortgage since the beginning of XX/XX/XXXX. I sent in my workout package on 1-2. I have made contact with them every week since then. 
On XX/XX/XXXX I was told that the Uniform Borrower 's Assistance form I sent needed to be the 5 page version, with signatures on different pages. This made no sense to me on several accounts. For one, my wife and I are married and file taxes together and our lives are joined in every way including financially. Why I would be asked to sign on a separate page is beyond me. Even stranger was the fact that I could not even find a UBAF with separate pages for signatures which was even more strange. I sent a 5-page UBAF with both our signatures in the full expectation that my file would move forward. I was again asked to send in a 5-page UBAF with separate signatures and I called back again on XX/XX/XXXX to tell them that I am not sending any more UBAFs because they can't seem to explain what UBAF I am even supposed to send in that would be acceptable let alone this nonsense with the signatures. On XX/XX/XXXX, I called in asked asked them to send me whatever UBAF they would accept. They send me the one attached named " FRAUD. '' The reason for this descriptive name is that the application has different dates along the bottom. Some say XX/XX/XXXX while others say XX/XX/XXXX. While it does have separate pages for the borrower and co-borrower, I can not in good conscience sign this form. The documents are clearly fraudulent and have been tampered with compared to the authentic application from the FHA website. I will not allow AmeriHome to coerce me into committing fraud, nor sign the fraudulent papers they have sent me. And if this the standard application they send to all of their clients, I am deeply concerned not only on this atrocity committed to me, but to all of AmeriHome 's clientele. What's worse is how they have spent a month now continuously rejecting an authentic FHA UBAF from XX/XX/XXXX ( also attached ). AmeriHome mortgage is refusing to accept genuine FHA paperwork for inane reasons while trying to coerce me and who knows how many other homeowners into signing their fraudulent alternatives and they should go out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 2020-03-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to XXXX  XXXX, experian, XXXX, XXXX and any other parties who have access to my information and debt.

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 2023-06-19
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/, I tried to log into my checking account with Truist but I was unable to access the account. I called the number on the back of my debit card and a representative told me that my account was closed because Truist ended their " relationship '' with me due to " XXXX fraud '' and that I should wait until a letter explaining " why '' was mailed to me and it would explain the closure. As of XXXXXX/XX/XXXX I had not received the letter. I called the number on the back of my card again and the representative indicated that someone had accused me of a fraudulent XXXX transaction. On Saturday XX/XX/, I went into a local branch on XX/XX/XXXXXXXX in XXXX, Ga. and spoke with XXXX XXXX. He was not able to provide me with any additional information except that the notes stated that my account should not be reopened for any reason. 

I received the " letter '' on XX/XX/ but I did not get access to it until Sunday, XX/XX/XX/XX/XXXX However, the letter did not refer to the reason that my account was closed like the Truist representatives told me would be include in it. I have uploaded a copy of the " letter '' to the portal. 

I am asking that your agency reach out to this institution in order to get a NON-Inflammatory reason for ending our " relationship ''. Being accused of fraud is a damaging accusation and will cause major damage to what I am doing in my life. I could care less about them closing my account even though after this I would close it myself because of the highly inflammatory accusation. I would like for not only to be provided with the information they received that brought them to this decision and I would like for this information to be removed, if added, from the data base that banking institutions used in order to open an 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 explanation
Consumer complaint received 2022-02-27
Company: EQUIFAX, INC.
State: FL
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:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 
XXXX / XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX the XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX of XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: SYNCHRONY FINANCIAL
State: OH
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:
Tjx synchrony bank credit card Company called XXXX XXXX. I was not available when they called For an account that doesnt exist. I made attempts to contact company but no way to get through to anyone, the number they asked me to call was AI only wanting me to pay the debt they say I owe. I was not going to pay for a bill from an account that paid in full and closed. This account was closed XXXX XX/XX/XXXX paid in full. I made other calls to numbers listed as customer service for TJX credit card, to no avail. All were AI machines wanting payment. No one to work with the issue to solve their mistake. Frustrated I looked up others that had these issues with Synchrony and saw Synchrony Bank was Sued XX/XX/XXXX class action settlement paid to customers {$2.00} XXXX dollars for this exact thing that they are doing to me. They are calling me about an account that doesnt exist. This is what they did to other people that won a XXXX XXXX dollar lawsuit Should I get a lawyer? 
My bank sent me an alert that my credit report was hit by synchrony bank. My score was and always has been XXXX up higher. It it now XXXX. This was XX/XX/XXXX and synchrony Bank made the complaint. 
I have all the paperwork about old account paid in full and closed in good standing. 
They fraudulently opened a new account and showed I owed money. This would have been in XX/XX/XXXX they opened an account I did not request and they closed my original account ..I didnt. I was shocked! My credit report needs to be restored to where it was, they are responsible to do it now. Of course they need to close the fraudulent account they reopened after my account closed. 
They started with I owed XXXX. In a few days they left message with XXXX Next few days it was XXXX. Is that legal? I doubt it. They are bullying customers. 
I also filed a complaint XXXX  XXXX. No response from Synchrony Bank!

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 2020-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a new debit card from Bank of America and purposely did not give the number to a merchant that was not delivering services as promised and to whom I was requesting a refund ( which they denied and we are now in a dispute of charges ). My new debit card number was provided to the merchant from Bank of America, who blamed Visa, could not point out where I gave them permission to release my personal banking information to a merchant, and said its written somewhere in the small text of my initial banking agreement and I shouldnt complain because all banks give your replacement card number away for recurring payments. This is a blatant violation of my financial privacy and an unclear, obscure hidden policy that seems to go against the grain of consumer welfare.

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 2022-02-27
Company: Experian Information Solutions Inc.
State: VA
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 been writing to the credit reporting company for about a year now trying to get this XXXX XXXX account remove from my account as fraud. I have requested that they send me proof that this account is not fraud and as of today I still dont have antthing from they. I was this remove from my account. They removed the credit inquiry but not the account. I have disputed this with Experian at least three other times with no 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 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am trying to purchase and home and found items on my credit report that do not belong to me. I have filed a Police Report and FTC Identity Theft report attached.

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 2022-02-27
Company: EQUIFAX, 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:
Account number : XXXX This account needs to be removed immediately from my equifax report and never be added again by any bureau according to the FCRA. It has been deemed fraudulent by XXXX XXXX XXXX by a recent investigation into the credit card account. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone called stating I had felony committed under my social security number and name. Took XXXX out of my checking account to " secure my assets ". Stating from police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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 2023-01-05
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of XXXX XXXX apartments XX/XX/XXXX. They have not contacted me in any way about owing them money. Last week I received a letter from IQ Data International claiming I owe XXXX XXXX Apartments {$890.00}. I called asking about this because I haven't been contacted by XXXX XXXX at all. The lady that answered argued with me that I did receive a letter from them so I told her to prove it since she knows that I received it. She yelled at me about arguing so I said not to contact me again. She made some threat that I didn't hear all of and I hung up. Today, XX/XX/23, they called my wife, who isn't listed on the alleged debt 4 times. They also called my sister a few times as well. My sister has absolutely nothing to do with XXXX XXXX or the lease or the debt. There is no reason for them to be harassing my sister or my wife. They called me 4 times today as well. I have no idea how they got my family 's phone numbers but this is highly inappropriate and this whole thing reeks of a scam. They didn't even send the debt letter to the right address, they sent it to my apartment at XXXX XXXX. I received the letter only because XXXX setup address forwarding with the post office. I have no evidence that I owe XXXX XXXX anything so this company needs to leave me and everyone I know alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Filed multiple disputes and requests to XXXX XXXX for HIPAA authorization forms signed by me in wet ink. Neither the credit reporting agency nor the debt collection company has responded with requested documents per FCRA and FDCPA laws and regulations. This company was also XXXX XXXX with I also sent multiple certified letters to requesting this same information and also recieved NO documents. A cfpb complaint was filed ( Complaint # XXXX ) which XXXX XXXX ignored and this complaint was sent to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX filing this complaint. The stuff on my credit report is wrong.

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