BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-10
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2020-12-10
Company: EQUIFAX, INC.
State: FL
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 kindly ask you to investigate and remove these accounts from my credit report. I do not recognize these accounts I believe I was a victim of identity theft. I have no contracts or agreements with these accounts. I do not know how these items ended upon my credit report. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: CCS Financial Services, Inc.
State: OR
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:
On XXXX XXXX, 2020, CREDIT COLLECTION SERVIC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDIT COLLECTION SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX Account : XXXX, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy. 
15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

This account is fraudulent account and i never open an account with this company.

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 2020-11-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've been trying to unfreeze my Equifax account but is unable to do so online or via phone. I have my credit frozen due to Identity theft and these companies inability to secure information. I've always been able to do this online or via phone but for a couple of months now, I am unable to unfreeze my account either way. 
XXXX, XXXX it tells me to call XXXX to be able to log in. I've been logging in for years with no issue. I have then called at least XXXX times but each time, they have a different excuse from the database is being updated, please call again or I'm transferred to multiple people. No one could figure it out. I then called again today and talked to XXXX who said he can't find my account even after I verified all my information from my SS #, address, DOB, etc and he now wants me to send a copy of my ID, etc since he can't find my account in their database. I asked if the information to verify my account is available online but he said he can just tell where to send to this info. I explained that I need to check online and do just send a copy of any of personal information anywhere especially after being a victim of Identity thefts. 
I could really use some help since I'm at my frustrated on how to get this credit reporting agency to get their act together. I am unable to unfreeze my account and obtain credit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: NJ
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:
This is another complaint for XXXX  and Equifax about the complaint submitted on XX/XX/2020 ( XXXX and XXXX ). XXXX and Equifax again say that the company reported the information is accurate, that belongs to me and also report this account as an Individual Account when is completely inaccurate. Equifax said If I have additional questions about this item please contact XXXX XXXX XXXX which I did so. XXXX XXXX didn't find this account under my name or social security number. After almost an hour, they found out I was an authorized user under this account. Its frustrating that XXXX  and Equifax can't do a correct investigation. 

The XXXX XXXX documentation is attached that prove this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i made a complaint here .. I asked WF for free plain checks after 13 months of being a customer. They refer it somewhere and i get an email saying its being researched. Not sure what needs to be researched its called loyalty. I also complained that my account ending in XXXX was closed. i want it open. its the pandemic GIVE <ME a break i am unemployed and struggling now i know in the one size fits all world no one cares i know this but i do. Everything is so complicated in this bank and should not be. Just give me free checks. BIG DEAL. but it would be to me. Today someone named XXXX XXXX called me from wells fargo her number is XXXX she hung up on me when i was shocked she took my time up to tell me she received my complaint before i could say much she told me she would close it and hung up on me. she absolutely hung up on me. WHY waste my time? why be rude? why do i have to go thru all this? Just help me expeditiously. i want acct ending inXXXX re opened without XXXX. 
please pull the call and listen this XXXX person has no business working for the bank. you dont call a customer to tell me you have my complaint JUST do the right thing quickly it must be to justify her job. but i the customer have nothing but she got paid by the bank to treat me this way

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 2020-09-04
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a promotional offer from Chase Bank to open a business account and receive {$300.00} bonus after meeting certain requirements. I was promised a Debit Card and made sure that the banker knew the business address. 2 weeks after opening the account and the Debit Card has not arrived, I tried calling the bank several times and emailing the Banker who helped me open the account, On XX/XX/2020I went to the branch and spoke with the banker, he told me that the debit card  was sent to the wrong address, and a new card will be sent to the correct address. I made a deposit for {$1000.00} with a check from my personal account with XXXX XXXX. The check was cleared my XXXX XXXX  account on the same day XX/XX/2020. Chase bank put a hold on {$770.00} until XX/XX/2020. on XX/XX/2020 I received an email from Chase bank with a letter indicating that the bank decided to place the deposit on hold until XX/XX/2020. 
I needed the money sooner and I spoke with the Branch Manager Mr. XXXX XXXX regarding this issue. Mr. XXXX was condescending and telling me " BUDDY Go Sit There ''. I decided that Chase Bank is not a bank I would like to have my new business, and asked Mr. XXXX to close the account so I don't have to drive again to the branch, and go inside at age XXXX I don't get close to people unless it's necessary even with a mask on, I am at risk groups being of XXXX decent and XXXX Year old. Mr. XXXX informed that he's not going to close the account until the hold is lifted. When I asked for his supervisor, he kept me waiting for over 20 minutes to give me the phone number of his supervisor, I went to my car and tried to call the numbers Mr. XXXX gave me, they were FAKE numbers. I am so disappointed with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
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: Information belongs to someone else

Complaint:
XXXX and Experian, please review the following complaint against your client and XXXX XXXX XXXX XXXX. Is XXXX correct and they don't provide credit reports used for their loans and you provide? I am not going away. 
I have repeatedly requested the credit report used for the XXXX XXXX XXXX XXXX loan # XXXX. My requests have been ignored and repeatedly called duplicate on Consumer Financial Protection Bureau. So I called XXXX today to request a copy. The gentleman went offline to request from that department. After an extended wait, he instructed me XXXX didn't provide credit reports and I would have to call dealer or credit bureau.??? I thought he misunderstood so I told him that I needed the report used for the loan, He said understood. I told him that it was law for the companies to provide the credit reports used for the loan. He went off line again and came back with the same news. And then he admitted that XXXX didn't have a copy of that credit report and I would need to get from the credit bureaus or the dealership.?? I am sure all of this was taped for XXXX 's review. Now everything makes sense. His superiors were just telling me a story and XXXX repeatedly calls my requests and complaints duplicate because they can't just say they don't have the credit report. Attached is the credit report and application used for the other car purchased in my name same day, same dealership. The other lender was XXXX XXXX XXXX, After XXXX reviewed the information and dates on application and credit report, they immediately dropped the claim. It is obvious the credit report was accessed before application and permission.I have again attached the application used for XXXX XXXX XXXX XXXX. It is the undated one used to access my credit report and completed the day after pulling 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 2020-12-11
Company: EQUIFAX, 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint to you, the company sent a response and CFPB closed the matter. Unfortunately, the response was not accurate, there is no way to contact the person who sent the response. In my opinion this company as sending fraudulent information to you. I would like the opportunity to submit documentation as proof. The company mis-handled my escrow account, allowed my hazard insurance to lapse, paid my property taxes when they were not supposed to ( they were not late ) and as a result increased my house payment to cover their errors.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/20 XXXX : Dad & I went to Bank of America XXXX XXXX XXXX & met in-person with XXXX XXXX ( Manger ) to transfer funds from his Saving Account to a new Checking Account under my name ( I am responsible for nearly all his financial matters -- POA ). The above handled the whole transaction of nearly {$22000.00}. I have the paperwork & deposit slip. 
XX/XX/20 : I received 1st statement of new account. Beginning Balance : XXXX ; Withdrawals/Subtractions : XXXX ; and Ending Balance : XXXX. Attempted to contact anyone at BofA by phone & email -- no response. Called the XXXX number on the statement -- found that Dads Savings Account had XXXX  dollars & the new Checking Accoiunt also had XXXX dollars. 
XX/XX/20 : Attempted to contact BofA again by phone & email -- no resaponse. 
XX/XX/20 : Attempted to contact BofA by phone again -- no response. Later that am I had a voice mail from Manager -- does NOT know what happened to the money, how, or why. This was verified by me by phone -- I was told 'check-is-in-the-mail '. 
Neither Dad nor myself have received any communications from BofA by phone, mail, email, text. Nor do we know what happened to the nearly XXXX XXXX dollars. Neither of us has received any 'check-in-the-mail '. 
I believe an outside investigation needs to be done -- XXXX XXXX dollars is alot of 'missing ' money that can NOT be accounted for by BofA XXXX Since we were there in-person there should be video available. 
I would appreciate it if you could look into this matter.

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 2022-11-22
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I used a 3rd party app to get a hotel room for {$130.00}. Turns out the hotel had no power so they refunded the money. Well bank of america took my money and won't put it back in my account. Their claims department won't give me answers and I get the run around. I spent 3 hrs on the phone yesterday and still got nowhere. Money was stolen from my own bank .they are doing it to everyone .they have to be stopped.

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 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion Credit Reporting Agency XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1994 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit  Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open  these accounts. Someone else of who did these that I did not know. 

1. XXXX XXXX {$530.00} 2. XXXX/XXXX {$440.00} 3. XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX   XXXX XXXX  ) {$980.00} 4. XXXX XXXX XXXX  {$15000.00}

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 2020-11-20
Company: National Credit Adjusters, LLC
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:
On XX/XX/2019, National Credit Adjusters ( NCA XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, National Credit Adjusters ( NCA ) has violated my rights as a consumer and I am requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: AmeriHome Mortgage Company, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have spent months trying to square my escrow account as related to homeowners and flood insurance. I have spent hours on the phone and been given several assurances/commitments That a supervisor would get back to me to resolve this, at long last, which have never manifested. I have gotten misinformation and made unnecessary payments to try and balance my account. I have just received a second refund check from an insurer I paid in XXXX. After following up again and again, the company has issued more unnecessary payments and purchased/partially refunded unnecessary insurance policies on my behalf and cant seem to reconcile my account. I have been told that there would be penalties for an escrow deficit and am willing to pay in any funds necessary if SOMEONE can get to the bottom of this. I am not in arrears, have made all payments on time, followed all instructions, and secured all coverage when required, but cant seem to resolve this. It is now XX/XX/2020. I began dealing with this in XX/XX/2020. After the latest assurance by a rep that I waited on hold for 15 minutes to reach that I would be connected to a supervisor directly, I have now been on hold again for 30 minutes and have no confidence that this call will go through and will be properly managed. This is likely my tenth phone call, in addition to at least six Ive made to my insurers. This is completely unacceptable. This is a mortgage!!! Ive had retailers take returning a dress far more seriously!

Company response to consumer: Closed with explanation