BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: AmeriHome Mortgage Company, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After a payment was posted to my account, it was removed 16 days later with no notice or explanation provided to me. I have tried reaching out to the company on 3 separate occasions, and have received 3 separate and contradictory explanations for what is going on. On 2 occasions, I was told the issue would be resolved and then no action ever occurred. On the 3rd occasion, the representative disconnected me without finishing my call and never called back. The company should be able to provide me with clear and consistent information on my account, and it's inability to do so has almost made me late for my payment, despite assurances they would resolve it in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 remove these 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 ) you are required to remove/block any accounts or information not later than 4 business. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} ; XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : - ; XXXX  XXXX XXXX : - ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on 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 2021-07-02
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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 am very pressed by terrible life conditions and these fake accounts in my credit report just ruining my life. I want you to delete them as I can not operate anymore ... These items just killing my score and my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit 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 2023-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
B of A states in writing that they verified funds were transferred to an account under my name ( XXXX XXXX XXXX to XXXX however, the statement from ( B of A ) XX/XX/XXXX reflects that there was a charge for XXXX for XXXX. I have reached out to the only citi credit and there have been no record of balance transfers received for the month of XXXX, XXXX or XX/XX/XXXX. I have reached out to XXXX and they have no account under my name or social security. I have filed a police report that is working on a warrant for XXXX which again is the description for the XXXX balance transfer appearing on my B of A credit card statement on XX/XX/XXXX NOT XXXX  as B of A claims on a written response I obtained from a complaint filed. I am the victim of fraud and have reached out to the B of A fraud department over and over always reaching the same conclusion since XXXX XXXX XX/XX/XXXX. I will not pay money I dont owe and I will continue to dispute this information until someone does their job.

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 2021-06-22
Company: Mr. Cooper Group 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: Account status incorrect

Complaint:
I have a loan with NATIONSTAR MORTGAGE LLC, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NATIONSTAR MORTGAGE LLC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and NATIONSTAR MORTGAGE LLC with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiry on my credit report. Kindly remove asap as these are suspicious : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX Mortgage Reporters

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 2021-08-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Wednesday ( XX/XX/2021 ), I received a text message from phone number XXXX with the message that " my Chase account was locked due to suspicious activity '' and the link to an website that look identical to Chase website. In that website, I was asked to provide my personal information including my name, date of birth, address, phone number, social security number, driver license number and Chase bank account information. 

On Friday ( XX/XX/2021 ), during XXXX, I was working and noticed my phone was out of service. I didn't think too much and came home at XXXX realized that my email password was also changed at XXXX on the same day. I contacted XXXX find out what happened and they told me that someone transfer my number from my XXXX card to their phone ( IMEI # XXXX ). I was able to regain the access to my email using my recovery email. When I logged in to my email, I learned that there were 2 transactions happened in my Chase bank account : - {$1900.00} XXXX payment to XXXX XXXX XXXX ( Phone # : XXXX ) - {$10000.00} Online Domestic Wire Transfer to XXXX XXXX XXXX ( routing number : XXXX, account number : XXXX ). 
I went to IdentityTheft.gov to report the incident on the same day. 

On Saturday ( XX/XX/2021 ), at XXXX, I went to XXXX Police Department to report the fraud ( Police report # XXXX ). At XXXX the same day, I went to a Chase Bank branch ( XXXX XXXX XXXX, XXXX, CA XXXX ) to report the problem. The Chase man was able to help me change my username and password, close my Chase bank account preventing further fraud, and report my incident to the Chase Claim Department. I contacted XXXX, XXXX, and XXXX  the same day to freeze my credit line.

On Monday ( XX/XX/2021 ), I received the mail stating that there was a new notice, letter on my Chase account. I contacted Chase to open my account and learned that Chase denied my {$1900.00} XXXX Fraud Claim and no further action will be taken on the claim ( Claim # XXXX ). I contacted Chase Claim Department and learned that the XXXX transaction is irreversible, therefore, Chase is not responsible to refund the fraud transaction. Even though I have evidence proving that my email password, phone number and banking information was changed without my consent, Chase still denied my claim refuse to take any further action to look at my evidence. 

I didn't receive any update on the Online Wire Transfer Fraud claim to this day ( XX/XX/2021 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NY
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable that are kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Illegally holding my funds for 180 days (6 months). 
Total amount is $XXXX. Contacted multiple times and never got a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have visited multiple car lots and only authorized a credit check once but it was checked numerous amount of times. Which impacted my credit in a negative 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 2023-06-07
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX. XXXX XXXX removed a fraud account that did not belong to me last year when it was discovered during a routine security background check. I work in the XXXX XXXX and it was discovered that while I was working in XXXX and XXXX, somebody had opened a XXXX XXXX account with my details without my knowledge or consent. They also removed the account from my credit listed by XXXX XXXX, who they had referred the fraud account to. 

On XX/XX/XXXX, XXXX XXXX and XXXX began collections against me again illegally, and began reporting the fraud account against me illegally again. This is slander and Libel. I gave them proof I was out of the country and I never opened the 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 non-monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have an Itin and when i went to the dealer they informed me that i had a different social on my report, however i should only be listed under my itin which is XXXX nut the social i am getting MIXED-UP WITH IS XXXX I NEED THIS CORRECTED, I AM BEING DENIED A CAR DUE TO HAVING A MIX CREDIT WITH 2 IDENTIFICATION NUMBERS, I HAVE SENT IN ALL DISPUTES AND IT IS STILL BEING IGNORED. NO ONE HAS BEEN ABLE TO HELP ME AND I DON'T KNOW WHAT TO DO. I NEED TO REMOVE THE XXXX FROM MY REPORT, I DO NOT HAVE A SOCIAL I HAVE A ITIN PLEASE, DELETE THIS AND ANY INFORMATION THAT IS NOT MINE.

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 2021-01-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have been sending in the proper paper work to all three credit reporting agencies, the agencies refuse to verify my debit with any original signed agree with me and companies in question. I also have been a victim of identity theft. I would like my report to be correctly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Credit Card Acquisitions Group
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: BARCLAYS BANK DELAWARE
State: IL
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:
The cancellation of this booking WAS completed within the cancellation window and in accordance with the merchants cancellation policy and should have resulted in a full refund. As proof of this, we attach emails from XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX confirming that our cancellation of reservation for travel on XX/XX/XXXX was received and that a full refund in the amount of {$3200.00} would be processed back to our MasterCard ending in XXXX within 60-90 days. 

Here is a timeline of pertinent dates for clarification : XX/XX/XXXX Booking made and reservation fee of {$3200.00} charged. 
XX/XX/XXXX Booking cancelled well within the merchants cancellation window. 
Call to Barclay made XX/XX/XXXX, cancellation number XXXX, via online and phone call. I was told at this time that it takes 60 to 90  days to process the cancellation, which would be XX/XX/XXXX at the latest. 
Calls made to XXXX several times during this period, including Attempts to work out with XXXX via phone calls : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX 60-90 day refund timeline elapsed. Dispute opened with Barclay and sent via email and phone call. 
XX/XX/XXXX Another Dispute opened with Barclay. 
XX/XX/XXXX Another email from merchant confirming refund is due. 
XX/XX/XXXX. Several calls XX/XX/XXXX 60-90 day refund time elapsed. Call again to Barclay. They indicated denial to provide refund because  they claim we did not contest the original charge in XX/XX/XXXX within 90 days. This was only done after a three way call to XXXX where XXXX affirmed we are entitled to a refund but that accounting was taking time due to the pandemic. 
XX/XX/XXXX XXXX confirms it will process the refund & seeks verification of the credit card. Confirmation made online and call to confirm received confirmation. 
XX/XX/XXXX. Email confirmation from XXXX that I should receive the refund with my credit card within 3-5 business days. 
XX/XX/XXXX. Call to Barclay seeking to confirmation of attempt by  XXXX to refund. 
Barclay claimed no attempts were made. I asked for assistance. They said it may take up to 15 days and I should wait to file another dispute. I told them I did not want to wait that long because we had relied on their prior statements to wait on filing a dispute and then was told we could not get a refund because we waited to file a dispute. Filed another dispute.

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 2022-11-10
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:
XXXX XXXX XXXX I tried for the last year to dispute account that doesnt belong to me, I even called them and paid them the balance of this unknown account, I got very frustrated because this account that doesnt belongs to me was hurting me, and my credit report, .Can you please ask the for proof and to delete this account off my credit report.thanks

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 2022-11-10
Company: Experian Information Solutions Inc.
State: LA
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 Reporting act XXXX  Account 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 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 a account without my written instructions.

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 2023-01-16
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 there was 2 fraudulent charges from txt verify for {$20.00} and {$40.00} totaling {$60.00}. I immediately contacted Chime ( XXXX Bank ) to dispute the transactions but was told to wait until the transaction posted. I informed them that the company name changed several times in my transaction history and I had screenshots of this. They denied my claim. I requested a copy of documentation that was used to show how they determined their decision but have yet to receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CBC Companies, Inc.
State: MD
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:
I have looked at the inquires for XXXX and noticed some discrepancies. Starting with one named XXXX XXXX inquiring about finance other than personal on XX/XX/2022. 
Also have a couple miscellaneous inquires from Factual data on XX/XX/2022 that i have no clue what for. And another from XXXX XXXX  that falsely ran my credit. I have also called them and they state there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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:
I recently pulled my credit report and noticed that you are reporting against the FCRA standards. How can Ipossibly owe two balances from two companies for one account? Please explain to me how I owe this debt to two people? It seems to me as if you are unclear yourself otherwise you wouldn't be reporting these erroneous accounts.You have been reporting this error on my account damaging my credit. 

Please delete BOTH of these accounts from my credit report immediately. I would like to resolve this before I consult with my attorneys to pursue legal action. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation