BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: CO
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 tried to co-sign for my grandson to buy a car today XX/XX/2020 and I was unable to do so because I was told that there is an account from XXXX XXXX XXXX reflecting badly on my credit report. This account does not belong to me nor did I allow anyone to open this account in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I ever make any payments towards this account. I have no idea who could have opened this account in my name without my permission but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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: Personal information incorrect

Complaint:
My personal information reports inaccurately and I believe that I am a victim of identity theft or multiple accounts have been mixed merged with other credit reports. My name is XXXX XXXX XXXX on my credit report XXXX has listed me as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Equifax reports my middle initial as XXXX which is also not accurate. On XX/XX/2021 I sent a request for the inaccurate names and addresses to be removed and as of today XX/XX/2021 the inaccurate information continues to report. Please see the attached credit report and letters submitted to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
there is fraudulent accounts opened in my name and reported on my credit 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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau TransUnion, XXXX and XXXX  for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX  and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX XXXX. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit 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 2020-12-14
Company: Experian Information Solutions Inc.
State: GA
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:
there is fraudulent accounts opened in my name and reported on my credit 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 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BBVA bought my bank ( Simple ) and transitioned my 3 checking and 3 savings accounts to BBVA accounts on XX/XX/XXXX. It's XX/XX/XXXX and I only have access to one of my checking accounts. The money in the other accounts is unavailable to me, I can't access it or transfer it. In addition I have not been able to establish online access to any of my accounts - the User ID/password authentication system is broken. I can not verify that my money is safe, and I don't have control over it. I also can not contact customer support to close my account or arrange to transfer my money away from BBVA to another bank, because BBVA has turned off customer support activity - calls to any of their customer support lines result in an automated request to " hang up and call back later ''.

As far as I know, BBVA has taken my money and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I paid off my 2nd mortgage and they came up with XXXX they said interest charges and have it listed on website as no code? I don't want to talk to JP Morgan Chase because they convince me of something that's made up. Also why did I have an escrow balance didn't even know I had this and since when? I've not been late for over a year when I was late I paid all late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.

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 2022-08-11
Company: U.S. BANCORP
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a short forebearance with my FHA loan ( for 6 months ). Instead they gave me a loan modification for 33 months ( I am 7 years into my 30 year mortgage ) and they increased my interest rate from 5 % to 5.5 %. This is not what I asked. Do I ask for a deferment?

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 2018-03-21
Company: Conn's, Inc.
State: TX
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 sent XXXX letters telling them to remove these inquires that I did not authorize they have totally refused to do this that the credit reporting agency has to do this. I want verification of that I gave to them to do a Hard Pull on my credit report, if they don't have this verification I want the inquire to be deleted now off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Bread Financial Holdings, Inc.
State: AR
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:
XXXX  XXXX  WAS DELETED BY XXXX  XX/XX/2012 IN ERROR, FILE NO.XXXX, SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: GA
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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After finding out that XXXX had been charging me for cable for almost two years I went into the XXXX store on XXXX XXXX to dispute the bill on more than one occasion. After speaking to a representative there they took a closer look into my account and saw where I had turned in the boxes in XXXX. However, they showed me that someone employed by XXXX had turned the cable service back on without my permission or authority to do so. As time went by I began to get calls from the attorney representing XXXX on or around XX/XX/2022. I told the attorney that I hadn't had cable for close to two years. He began to read to me that he seen where I terminated the service but it was resumed. I told him I never ask for cable because I have XXXX XXXX on all the T.V. 's in my apartment. So he had to further look into the descrepancy and we were in constant contact with each other via telephone. In XX/XX/2022 he and I had our last conversation but I had already decided to take XXXX to court for breach of contract. XXXX obviously decided to give the account to a collection agency after being served with court documentation for the suit. Now this collection agency Collection Bureau Hudson Valley took the account on or around XX/XX/2022. After checking my credit with XXXX I noticed they appeared on my credit report. I immediately sent court documentation in which XXXX and I were to appear in XXXX on XX/XX/2022, where the case was dismissed in my favor. Therefore, after reviewing my credit report on XXXX I disputed this on my credit report because the case was dismissed in its entirety and closed. I sent court documentation to XXXX to dispute this collection agency being owed any money from me at all. Now, this collection agency refuses to remove the collection from my credit report and the courts never stated to me that I owe any money to any other entity connected with XXXX at all. Therefore, if anyone owes any money to Collection Bureau Hudson Valley it's XXXX who gave them the account after being served to appear in court for " breach of contract ''. I want the collection agency to remove this negative status from my credit report immediately. Any money they believe they are owed should be billed to XXXX. The court closed this case completely and any debts XXXX felt they were owed from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-09
Company: Santander Consumer USA Holdings Inc.
State: SC
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:
Customer service would n't take care of my matter remove inquiry from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was let go from my job today XX/XX/XXXX and I reached out to AES and they stated there was nothing they can do to help me. 

Im struggling here because I already filed bankruptcy in XX/XX/XXXX due to having over $ 232k in student loans and I got upside down using credit cards to make loan payments. 

My student loans were not discharged or lowered and Im not in that same position. 

Its sad. I have tried to work with AES so much but, they are impossible. Multiple emails, live chats and calls and same thing - they can not do anything. My salary made it look like I could afford it but, with $ XXXX in student loans l, $ XXXX in cc, a car payment, rent and medical bills. Im hurting - bad. Now losing my job Im terrified. 

I did put a borrower defense claim in for my grad school loans with XXXX XXXX because of false advertising, misleading info and not transferring credits, etc. then I have mother private loan with XXXX XXXX but they are working with me nicely. 

XXXX : XXXX XX/XX/XXXX-XX/XX/XXXX and XXXX XXXX XX/XX/XXXX-XX/XX/XXXX Grad : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX AES ID : XXXX XXXX XXXX ID : XXXX XXXX XXXX  ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Have had a TJ Maxx-Synchrony Bank credit card account for over 20 years. Since the middle to end of XXXX there has been a problem with Synchrony Bank receiving mailed payments in a timely manner even though payments have been sent at least 1 week in advance of due date. The first late payment was resolved in XXXX XXXX as they reversed the late charge and finance charge. At that time I moved up the time of the mailing of my payments to approximately 2 weeks which is about 1 week after receiving the bill from Synchrony. For the XX/XX/XXXX bill I was charged another late fee and finance charge. The total of the XXXX bill was approximately {$4100.00}. The previous balance was {$2100.00} and was not received even though sent in timely manner. I put a stop order on {$2100.00} check and reissued and sent certified mail. That check was received XXXX XXXX, XXXX. I sent current balance check approximately XXXX XXXX, XXXX. That check was posted on XXXX XXXX, XXXX. Synchrony applied an additional late fee and finance charge since they stated it was due XXXX XXXX, XXXX. Called Synchrony and agent said they couldn't reverse charges since their computer system wouldn't allow her to do it. I have filed a complaint with Synchrony Bank and NY State as Synchrony continues to charge late fees and finance charges on a disputed amount/charge. I have since cancelled my Synchrony card as of XX/XX/XXXX and closed the account. Synchrony has provided a letter to that extent. Am looking for Synchrony to reverse the bogus charges.

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 2021-06-29
Company: EQUIFAX, INC.
State: CA
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:
THIS IS MY SECOND TIME WRITING YOU GUYS. I NEVER GOT A REPONSE THE FIRST TIME I SENT OUT MY LETTERS. WHICH IS VIOLATION I AM HERE SENDING MY COMPLAINT. TO WHOM THIS MAY CONCERN Pursuant to 15 usc 1681a ( 2 ) ( b ) " any authorization or approval of a specific extension of credit directly or indusrectly by the issuer of a credit card of similar device " Should be exlcuded form a consumer report. The definition of a credit card under 15 usc 1681 is the same as it under 15 usc 1602 ( i ) which is " the term ' credit card '' means any card, plate, coupon book or other credit device exisiting for the purpose of obtaining, money, propery, labor, or sevices on credit ''. Notice, congress said ANy card. The credit card is my social secuirty card. This is the credit card i used to orginate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( b ). I am demanding that you remove these Transeactions from my report immediatly as they are a violation of my rights as a fedraaly protected consumer under title 15 chapter XXXX. 

I know that I have the right to privacy as a consumer which is stated in 15 USC 1681 ( a ) ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. You are committing idenity theft i never gave you permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello, I just received a phone call on XX/XX/2019 around XXXX from Portfolio Recovery ( XXXX ) keeps calling my work ( XXXX or XXXX ), they keep calling me and pressuring me for private information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX the XXXX I was checking my school email as usual when I encounter an email from " XXXX '' about a transaction that I supposedly had for {$420.00}. I did not recognize such transaction and proceeded to contact the number on the email for " customer service ''. After calling I talked to a lady which verified my transaction number and full name. She also said that I had to download an app that was supposed to check for hackers. A few minutes after that she said I was canceled and I hanged up. I then opened my bank account to find that there were 4 XXXX transactions that I did not authorize in my history. First, {$980.00} were taken out of my account to " XXXX '' ( which I do not know ), then two attempts of {$800.00} were made which were not successful. Lastly, an amount of {$800.00} was sent to " XXXX '' *someone I also do not know ''. Right after I called my bank, Bank Of America, trying to solve the situation but it was a Friday at XXXX XXXX  so even though I called multiple times they would always keep me holding for hours, and then they would hang up on me. The next day I went to the closest Bank of America ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, United States ) but the manager told me that there was nothing he could do for me there. He said that I had to call again to Bank of America in the Scam/Fraud Department XXXX I did that I filed the claim for fraud on XX/XX/XXXX. I received an answer on XX/XX/XXXX where the bank denied the claim and said that they could not be able to help me.

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 2020-12-14
Company: Westlake Services, LLC
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:
On my XXXX  report there is a closed account with huge amount of missed payments. WESTLAKE SERVICE INC Its not mine account. 
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 WESTLAKE SERVICE INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation