BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX MOT XX/XX/XXXX XXXX XXXX MO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: CA
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:
There are 8 inquiries on my credit report that are not mine I have not inquired for anything like this or know what they are for I need them off my credit since I have been disputing these since XXXX. 

XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX XXXX  - Inquiry date : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The medical debt collection agency calls at least once a day, sometimes twice. sometimes they are robo calls, sometimes a live person. the number they call from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered a new derogatory mark made on the XXXX of XX/XX/2020 on my credit report from some I do not recognize. 
it says opened XX/XX/2020, today XX/XX/2020 I disputed it with the company, the debt is for {$2200.00} the creditor says XXXX XXXX  01 Synchrony Bank Home Design XXXX. 
the account status, on the XXXX XXXX site, has changed since I disputed it.

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 2023-03-23
Company: Bread Financial 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 use XXXX XXXX to monitor my credit and on XX/XX/23 i received an alert about a new account that is not mine, and that I did not open. The company is Comenity Capital/Ikea XXXX They opened in XX/XX/23 and have charged {$8100.00} on it. I filed a dispute with XXXX and after disputing with you will also file a dispute with XXXX and XXXX. I'm not sure what other information you need so please let me know. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like these items removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: DC
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:
All three credit bureaus are showing late payments and a negative account with XXXX XXXX XXXX XXXX which is false my account is in a good positive state with no late payments

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 2023-07-06
Company: Experian Information Solutions 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:
Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
SINCE XX/XX/XXXX CHASE BANK LEGAL DEPARTMENT HOLDING MY CHECKING ACCOUNT # XXXX FOR NO REASONS AND ON XX/XX/XXXX THEY WITHDREW {$1500.00} WITHOUT ANY NOTICE. NOW I AM TRYING TO GET FACTS AND INFO BUT THEY ARE NOT PROVIDING ANY. 
I STOPPED BY AT CHASE XXXX BRANCH TO GET JUST LETTER TO SHOW MY CPA ATTORNEY XXXX BRANCH MANAGER XXXX XXXX NMLS ID:XXXX REFUSED TO COOPERATE AND FLATLY REFUSED TO PROVIDE ME LETTER, CHASE BANK NOT PROVIDING ME WHAT I WANT TO KNOW. 

WHICH LEGAL DEPARTMENT HOLDING MY ACCOUNT??? 
WHY THEY ARE HOLDING? 
WHY THE WITHDREW {$1500.00}? 
WHERE THEY SENT THIS {$1500.00}? 
HOW LONG THEY ARE GOING TO PLAY WITH MY ACCOUNT? 10 DAYS? 10 MONTHS? 10 YEARS OR LONGER?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

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 2021-11-11
Company: Klarna AB
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX I placed order XXXX with XXXX, XXXX XXXX XXXX, XXXX CA XXXX. I paid through Klarna. I canceled the order the same day. XXXX advised I could not cancel until the item was delivered. I rec 'd a notice from Klarna to make a payment. I advised Klarna I cancelled the order, and closed my acct to stop further withdrawals. I continued to receive notices from Klarna to pay. I contacted XXXX, who said they did not know when the item would be delivered. I contacted Klarna, they said they wanted paid. I said I didn't receive the item. In XXXX, Klarna said they received proof of delivery from XXXX, but failed to provide the underlying documentation. They told me to file a complaint with XXXX. XXXX said to file a complaint wiht Klarna.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On Monday XX/XX/XXXX I accidentally transferred XXXX} from my checking account at Bank of America to my credit card ( I meant to send it to my savings account ). The credit card was recently paid down to a balance of {$0.00}, so when this payment went through, my credit card balance was - {$2000.00}. Upon noticing, I immediately contacted BoA and attempted a stop payment on XX/XX/XXXX. They were unable to perform this action and the payment cleared on XXXX XXXX. I have been on the phone with them every day since and got a request approved to expedite the refund on Friday XX/XX/XXXX. I was informed the money would be refunded to my checking account in 2 business days, which was yesterday, XX/XX/XXXX. 

Yesterday, upon checking my account and finding the money had not been refunded, I again called the XXXX services dept of the BoA Credit card division and spoke with the same supervisor who approved the expedited refund last Friday. She informed me that the refund would be processed last night and hit my account this morning. They assured me of this. 

Today, I checked my account, and there was still no XXXXXXXX credit to my checking account. At this point I am completely livid. A simple mistake of pressing the wrong button in Bank of America 's banking app has resulted in hours of wasted effort on my part and the headache of having a balance of XXXX in my checking account for what will be at least 2 weeks. Additionally, my only form of money right now, my credit card, is constantly being locked due to " suspected fraudulent activity '' and restricting me from making any kinds of purchases. I have had bills flagged for late payment notice, and am in danger of having my cable internet service shut off due to inability to access these funds. 

Supervisor in the comsumer credit card services dept XXXX XXXX is the last person I spoke to and I informed her of my intent to file this claim.

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 2021-12-04
Company: EQUIFAX, INC.
State: NJ
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: Didn't receive services that were advertised

Complaint:
XXXX/XXXX/2021 : After becoming a victim of identity theft, I called up Equifax to report a fraud alert. After the fraud alert was set up, I purchased the EQUIFAX XXXX credit monitoring software for {$10.00} a month and logged off for the night. Everything appeared to be working XXXX/XXXX/2021 : The next morning, I tried to log in to my account but was told that my login information was not acceptable which is false. I attempted to reset my password online but I keep receiving the message " We are temporarily unable to complete this request. Please try again later ''. I attempted to call the hotline several times, but am stopped from talking to a XXXX XXXX XXXX because my personal information to verify my data is " not correct ''. False. 

Following up with this, I sent them an email XXXX XXXX, but have not received any response from the company. For a credit monitoring company that is supposed to protect me from identity theft, they are very lax with their approach. 

I can not use the credit monitoring software that I paid for and can not talk to anybody from Equifax to verify that fraudster ( XXXX ) are attempting to open up more credit cards in my name. I am absolutely mortified. Additionally, I am paying for software that I can not use. Should have never used this company but I purchased the monitoring software out of desperation without any research.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2020-09-02
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortage was sold by XXXX to XXXX/Loancare last year. I received a notice from my homeowner 's insurance company in XXXX stating that my premium had not been paid. I contacted XXXX XXXXLoancare customer service department to ensure they had my insurance company 's information. I was assured at that time that it would be paid promptly. I then received a notice in XXXX stating that my homeowner 's insurance had been cancelled due to lack of payment. I then tried to contact XXXX XXXX by phone several times and have never been connected to a live person, but instead am sent through the endless, frustrating automated phone system which doesn't offer an opportunity to leave a message. I have subsequently sent three emails to the customer service department and have never received a response. As a result, I have had to pay the {$960.00} homeowner 's insurance premium out of my pocket which has created a terrible financial hardship for me. I have checked my escrow balance online and the money is there, they just won't pay! I am at my wits end and have never, ever been subjected to such a frustrating, unprofessional experience in my life. What are my options for getting my money back from this terrible excuse for a mortage 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 explanation
Consumer complaint received 2020-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank of America and myself have had a very long history on my home mortgage. I purchased the house in XXXX-refinanced with Bank of America XXXX, home equity loan which allowed me to pay my own taxes. In XXXX. Bank of America changed the terms of the agreement and began to escrow the account to cover homeowner taxes, insurance, water, sewer and trash bills ( {$2500.00} ) a year. In XXXX, I refinance the home loan with another lender. Bank of America provided information that all my XXXX taxes, insurances, water, sewer and trash bills would be paid from the accumulated escrow applied to the back end of the loan. I only owed {$46000.00} on the exiting loan, however Bank of America added over {$10000.00} in escrow amounts to the loan. I had never been late of the loan monthly agreed mortgage payments, they claim this escrow was for taxes. I recently received a tax bill from XXXX. The total pay off amounts where at the end of XXXX XXXX, total pay off of the loan was XXXX, which was pay off by another banking company. There should not be any taxes still owed in XXXX, according to the documentations and information provided to me at the time of the pay off of the exiting loan. Bank of America refuse to provide me with a refund of the differences in escrow at the time and now I owe for XXXX. This procedure can not be accurate.

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 2023-06-18
Company: Experian Information Solutions Inc.
State: WA
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:
in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts named XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have misused my information and have not tried to help with removing there incorrect information from the clients credit report please have this fixed immediately as my rights stated below have been violated.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/17, we purchased 2 adjustable gold necklaces at a price of {$690.00} from ''XXXX XXXX XXXX , in XXXX XXXX , XXXX XXXX . 


Unto this day, we have not received the items. The credit card company was contacted and the merchant as well, but to no avail. 

The credit card company has reached a stage where they said they are not involved in this matter and contact should be made directly with the merchant. 

We tried with the merchant via numerous emails but no resolution have been made, only promises. 

Attached are communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Our Bank of America HELC was paid off on XX/XX/XXXX in the amount of {$92000.00}. This included an overpayment of {$470.00}. 
The bank recorded a Full Reconveyance with our county recorder on XX/XX/XXXX. 
I contacted the bank by phone on XX/XX/XXXX and after waiting on hold for 30minutes gave up. 
I made an appointment with the bank and talked in person on XX/XX/XXXX and was told they could not help me, I had to call. I called the same day and after 48 minutes on hold spoke to a customer service rep who said a refund check has gone to an escrow account to benefit the borrower ( us ) on XX/XX/XXXX. 
To date XX/XX/XXXX, we have not received a refund of the overpayment of the loan The loan was paid off on XX/XX/XXXX. Over one month.

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 2020-10-20
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was told to leave my home on XX/XX/2020 because of foreclosure. The company only gave me 30 days to leave the property. I filed a motion for 130 days which I was refuse because I needed time to find a place to live. The company name Freedom Mortgage. If you could help me. I am homeless now.

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