BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: CA
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:
In order to REMIND the Equifax Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Equifax BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent accounts. XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2018 Reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: CA
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: Mortgage Research Center, LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I closed on a VA home loan with Veteran 's United on XX/XX/XXXX. 

I remitted payment in the amount of {$5000.00} over the telephone to Veteran 's United on XX/XX/XXXX. I received receipt of this payment on XX/XX/XXXX. 

On or around XX/XX/XXXX, Veterans United sold servicing of this loan to XXXX, XXXX. 

I was notified of this change from Veterans United in a letter dated/postmarked XX/XX/XXXX and in a separate letter from XXXX dated/postmarked XX/XX/XXXX. I received these letters on XX/XX/XXXX. 

In the letter sent from Veteran 's United, it indicates : " Veterans United Home Loans is currently collecting your payments. Veterans United Home loans will stop accepting payments received from you after XX/XX/XXXX. '' In a phone call with XXXX XXXX from Veterans United on XX/XX/XXXX and again on XX/XX/XXXX, Veterans United indicated to me that they notified XXXX of payment on XX/XX/XXXX and that the principal balance should be {$5000.00} less. Additionally, Veterans United indicated to me that XXXX would issue me tax form XXXX. 

XXXX has done neither of these things despite repeated and multiple requests to do so. In an email correspondence dated XX/XX/XXXX, XXXX indicated " no payments were received '' and refused to look into the matter. I have communicated with XXXX and XXXX from XXXX who have been unhelpful. Veterans United has indicated that they have sent this XXXX. Where it stands, both companies are saying for me to " talk to the other guy. '' I have done both of these things and I have nothing to do with the matter. It's the two companies not talking to each other in a transaction that I have nothing do with.

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 2023-09-07
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi my issue is someone applied for several unauthorized accounts in my name XXXX being one of them rather then treating me like a customer ( victim of identity theft ) /consumer they had sarcasm because I didnt catch it sooner even after I explained what happened with my loosing my mobility and filed all the proper paperwork I just want the issue resolved and off my credit report now because this happened to prevent any in the future I have credit monitoring and put a fraud alert on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX i got a XXXX XXXX  on my account but at that time i did not have a card i went to order a card but bank of america said they could not send me out a new card until my account was not in the negitive no moie. from XXXX thru anout end of XXXX i have not had a XXXX card when the negitive was finallyvpaid off i recieved the card in the mail and i was negitive XXXX then was made a complaint about that and they credit me back XXXX but on the same day they took the money back now they said it was a bank error so i never recieved the XXXX for XX/XX/XXXX and never revieved the XXXX they keep taking back im just getting the run around Card number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ca 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 2023-09-07
Company: EQUIFAX, INC.
State: AL
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize. 

XXXX XXXX XXXX pulled my credit on XX/XX/2023 and I did not authorize this inquiry. This is a fraudulent inquiry. 

This is a violation of the fair credit reporting act section 1681b ( c ) and a serious breach of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist bank ( XXXX, NC ) is a terrible company with unhelpful people at every turn. It took over 10 hours on the phone to deal with this last time. They have an escrow account and made me pay for property insurance that I already had. We have told them that we have insurance from XXXX repeatedly ; they have our account number and all of the information needed. We finally got them to refund money that was taken away via the escrow account. 

NOW ON MY XXXX BILL I FIND THAT THERE IS AN ESCROW AMOUNT DEDUCTED FOR INSURANCE. That was the whole point of my MANY HOUR PROCESS TO GET THIS REMOVED!!!!. Why oh why can't they handle this. They KNOW MY INSURANCE COMPANY AND POLICY NUMBER AND HAVE HAD DOZENS OF PHONE CALLS WITH ME ABOUT THIS. REMOVE THE ESCROW AMOUNT ON MY BILL.

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 2016-11-21
Company: Penn Credit Corporation
State: WV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a a unverified account from PENN CREDIT CORP # XXXX. I had previously disputed this account. I have never done business with PENN CREDIT CORP. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: LA
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 urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX we filed a CFPB complaint against all ( 3 ) credit bureaus XXXX, Equifax, and XXXX  as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX " We filed a federal lawsuit against ( 5 ) major banks on XX/XX/XXXX regarding our mortgage for mortgage fraud which are XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  which later was revised to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, vs XXXX  XXXX XXXX XXXX XXXX, et al., Defendants ~ Case No. # XXXX XXXX filed on XX/XX/XXXX IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF TEXAS XXXX DIVISION ~ Judge XXXX XXXX XXXX On that very same day XX/XX/XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in which I precisely gave XXXX, XXXX, and Equifax the Federal Case Number # XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XX/XX/XXXX. However, all ( 3 ) credit bureaus allowed ( 8 ) credit accounts to be closed on my wife XXXX XXXX XXXX and ( 6 ) credit cards for XXXX XXXX XXXX which negatively impacted our credit scores with high interest rates and impossible to get loans much needed for many years. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing XXXX to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all ( 3 ) credit bureaus to have allowed such damages to occur. '' " The response from all ( 3 ) credit bureaus was identical that they couldn't find XXXX on our credit report. XXXX had been removed after Judge XXXX XXXX ordered them to take off the derogatory credit and correct it and it took months before they finished taking it off so by this time we had been affected greatly and we're still struggling to repair our credit. We would like a response when all ( 3 ) credit bureaus will make restitution and repair our credit immediately. "

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In XXXX of this year, my bank account was hacked into and two wire transfers were completed. The first was for {$12000.00} and the second was for {$13000.00}. I dont even know how to do a wire transfer. I have the alleged first and last names of the recipients as well as the bank where the money was sent. You can find it at the end of the letter..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
COMPLAINT ON ALL CREDIT BUREAU 'S REQUESTING why my credit score dropped 47 to 51 pts in a few days after paying off one debt ( XXXX XXXX XXXX, XXXX, KS ). 
I ALSO want to know why our accounts are still on my credit report that were listed on my bankruptcy back in XX/XX/2021 Ch XXXX. I understand our bankruptcy is noted that we filed and stays on our credit report for 10 years. But, the debts listed on the bankruptcy should be WIPED CLEAN from our credit report since the bankruptcy is listed. 
SINCE our bankruptcy and building our credit, ALL debts have been paid on time, paid off, and no collections which makes our CREDIT SCORE higher and should be in the 700 's, I would think. 
I ALSO have a question about CREDIT BUREAU 'S being able to up credit scores by joining CREDIT BUREAU 'S web sight program and get a higher score. There is something wrong with that type of program, having to pay each month to be in their program and to get a higher score.

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 2015-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
repeated calls, as many as XXXX or XXXX per day to my cell phone. All from different numbers that all show up in my caller id as the same company name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
On XX/XX/XXXX I submitted a payment of {$1200.00} to XXXX XXXX XXXX. This payment cleared by the XXXX. They are incorrectly reporting that this payment was over 30 days late pulling my Credit score down. They also did this in XXXX of XXXX. We have called them countless times about this issue, sent emails, and even sent certified letters in the mail and they refuse to correct there mistakes. 
In XXXX of XXXX XXXX also claimed we had no home owners insurance since XXXX of XXXX and that we were going to be charged a fine for this and we had 30 days to get insurance. We thought this was incorrect but got new home owners insurance which was effective XX/XX/XXXX. Then around XX/XX/XXXX XXXX  decided they were going to take out there own policy on us with our permission. So they caused us to have 3 active policies, and be charged a fine which sent our escrow plummeting. We contacted them to fix this and they still havent so we are paying an extra XXXX $ a month due to there error. 
Due to there repeated XXXX ups we are unable to get a new loan and are going into debt trying to keep up with the money they say we need to pay caused by the mistakes they made.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX : {$84.00} XXXX  XXXX Balance : {$84.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2019-07-18
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:
Reviewed my credit report seen where there was a collection account from " XXXX XXXX XXXX '' for an account with XXXX  or whomever it is with. 
I've never done business with XXXX or this company or ITS affiliates. 
PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS ASAP. 
I'M ALSO ATTACHING A COPY OF A POLICE REPORT RECENTLY FILED. 
THIS IS NOT MY ACCOUNT. 
SEIZE ALL COMMUNICATION EFFORTS AND REMOVE THE NEGATIVE INQUIRY EXPEDITIOUSLY

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 2017-04-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have XXXX, now Navient loans from when I was an XXXX from XXXX. I graduated with about 30,000 in student loan debt. Today, that number is over {$55000.00}. The loans were doubled under Navient 's insane interest. My payments began at XXXX a month, today they are over {$600.00} because they continue to jack up interest rates even though my credit has improved since they were issued. I can not make these payments. I called and was told they would be happy to lower my payments to {$400.00} if I agreed to extend my loans to 25 years!!! However, they could whenever they wanted jack up my already high interest rates ( 6-14 % ) on these loans all over again. How is this legal???? The only way they can make my payments that I have always made, affordable again, is to enslave myself further to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Debt collector try to collect on debt that do n't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Between XX/XX/2023 and XX/XX/2023, an inquiry made by XXXX CARD SERVICES was added to your credit report. 
I have not applied for a credit card with this or any other company. This is incorrect and not me. Please remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/23 I received notice that a credit inquiry was made under my name and information. I did not apply for new credit but upon calling JPMorgan Chase, I learned that someone open a credit card in my name. JPM has stated that this will be investigated and the card will be cancelled. I am awaiting confirmation through mail.

Company response to consumer: Closed with non-monetary relief