BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00} {$8500.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 explanation
Consumer complaint received 2017-11-06
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Compaint : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir/ Madam : I am writing to dispute the follwing imformation in my file an account with : XXXX XXXX XXXX XXXX account dates are : XXXX for {$160.00} ( account # XXXX ). This amount is incorrect. I am requesting that the item be removed. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I opened an checking account online with chase bank. That same day I scheduled a transfer of XXXX dollars to be deposited into the chase account. The deposit was from my XXXX  XXXX XXXX XXXX debit card. I tried to login later that day to check the status. It said my account was locked and I needed to call chase. I called and they said they were closing the account because they couldn't verify who I was. I asked them well what about the XXXX im having deposited into the account. They said any deposit will be rejected and returned. So I call XXXX XXXX XXXX and tell them what happened they said it could take 7-10 business to be rejected and funded back to my account. So I call back 10 days later and they say that the deposit was accepted by chase. So I call chase and after getting put on hold and hung up on twice. They say that a check was mailed to me for the amount of the deposit. I wait another week still no check. So I call back and get hung up on a few more times then someone tells me you must come into a branch with id to get your money. I said I cant im under quarantine and im in another state. He said well im sorry but there's nothing I can do. At the time chase was offering a promotion of a bonus XXXX dollars for anyone opening a new account and receiving a direct deposit within first 30 days. I feel this is the reason they did this to me was to not have to pay the bonus XXXX. 
1 ) So they allowed me to open a checking account online then once they seen a direct deposit coming into my account they closed it. 

2 ) They lied to me and told me no deposits would be accepted and that any attempted deposit would be rejected and sent back.

3 ) They lied to me again saying that they mailed me a check for the amount of the deposit.

Finally after lying to me multiple times and being rude and hanging up the phone on me they say I have to come into a branch. This was after I had told them I was under quarantine in another state that doesnt have chase.

Please help however possible. Chase Bank is a dishonest company. They stole XXXX dollars from a taxpayers citizen during the middle of a global pandemic. They should be ashamed and hopefully they pay for there actions. Im sure im not the only one they did this to and it is terribly wrong of them. 

Thank you for your time and I hope this gets to the right people so I can get my money and Chase Bank can be held accountable for its unprofessional and illegal conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
on XX/XX/2014 some one fraudulently obtained a checking account in my name I never gave no one permission nor have I ever did business with this bank before

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 2020-11-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying to build my credit but the debt on my reports are keeping my credit score in a " poor '' state. So now I am trying to investigate all negative and false accounts on my reports and I see a deliquent account that I have no responsibility for. I never opened or authorized it and I don't know who did. This is a fraudulent account and I wish to dispute and have it removed as soon as possible. I want proof and records if original contracts or agreements used to open accounts. Addresses or identification used to open it. My identity was used without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX, 2017 my home was impacted by Hurricane XXXX and the days following the hurricane I had a loss of income because of no work and I had spent a substantial amount of money preparing for the hurricane. I had exhausted all my money because of the hurricane and just needed some time to recover financially from the disaster. 

The week after the hurricane I contacted my mortgage servicer to receive a temporary mortgage forbearance. I made calls to my mortgage servicer continuously and my request was denied because according to their record I had an open bankruptcy case, which is not accurate because I had already received a discharge several months prior to the hurricane. 

I had my lawyer contact my mortgage servicer to speak with the servicers legal counsel and after several repeated attempts in contacting the mortgage servicer my lawyer was not successful in reaching the correct person or department, every call was routed then re-routed back and forth and nothing was done ... 

Then I personally continued to contact my servicer and my request were denied. The owner/investor of the subject mortgage is XXXX XXXX. I contacted XXXX XXXX and according to XXXX I was supposed to receive the forbearance. 

I have exhausted all my options in trying and do not know how to proceed. My home was in FEMA 's presidentially declared disaster area, specifically XXXX and my mortgage servicer has not cooperated with any type of assistance. I am in fear of the increased fees for non-payment and being foreclosed on.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
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:
Went to Conns XXXX XXXX in XX/XX/2020 to shop around. Considered getting a few items but ended up not purchasing anything. But in the process, while discussing their terms for products, a sales associate used my information that was previously stored in their computer from years prior to run my credit report. 

He didn't ask me to run it again, nor did I provide my SSN that day. I guess he was just clicking through and assumed he could just run the credit without asking. So now I have these 2 hard inquiries bringing my score down without even purchasing anything from this store.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a fraudulent loan from Wells Fargo on my title from 2005. I contacted them and their response was that they see no fraud. The settlement company is out of business so I can't get information from them. All the documents have a copy of my signature but I did not take this loan. They have a cash payout of over $ XXXX in the settlement documents that I never received.

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 2018-01-31
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: Information belongs to someone else

Complaint:
XXXX, XXXX, and XXXX showing inaccurate information sent police report and idtheft letter fcra violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: EQUIFAX, INC.
State: NC
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 a victim of Identity Theft, a fact that I have presented to Equifax Credit Reporting Agency. According to FCRA 605.b when a consumer presents a claim along with documentation from a law enforcement entity the credit reporting agency should place a block or remove the account from the credit report permanently. Equifax didt remove for the following accounts : XXXX XXXX - XXXXand XXXX/XXXX XXXX - XXXX, yet over 60 days later re-entered these same accounts on to my report with out validation and provacation from me. The latter is a violation of not only the aforementioned FCRA legal code, it also violates sect. 611 and 624.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
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:
Hello, Few weeks ago, I received a message from XXXX XXXX that I am eligible to apply for a personal loan at a very low rate. XXXX XXXX sent me a list of companies I can deal with and also stated, if I deal with these companies and my credit is pulled, " It will be a " SOFT '' pull and will not affect my credit ''. I called few companies to check on the offer and afterward to my surprise I have 13 inquiries on my credit report in which lowered my scores by almost XXXX points. I never consented to anyone to use my account for a hard pull. I trusted these companies that they are legit and they are telling the truth. Unfortunately, this situation is preventing me from acquiring the needed loan. I do appreciate your involvement, your help and influence in correcting this issue with the credit reporting agencies. I thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 customer service

Complaint:
Capital One has failed to provide me with a detailed understanding as to why I have not been given any credit line increases on my credit card accounts with them. I have paid my Quick Silver and Platinum accounts on time each month and have also paid more than the monthly required payments. I have contacted Capital Ones ' CEO and other members of executive management via email numerous times, asking to contact me, in which they have all failed to do so. I have spoken to a few analysts from the executive office and requested the full payment history on both accounts since they have been opened, in which I have not received. I spoke to a manager of one of the analyst and was treated very harshly. In the letters that I have received from Capital One in regards to the credit line increases, the reasons for denials include, " average monthly payment is too low, and recent use of this account 's history is too high. '' All of which is false information, as I have not used the accounts much in the last months and have always paid more than the required monthly payments. I have asked Capital One analysts what are the required monthly payments to receive a credit line increase, in which they have not been able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I opened a bank account with navy federal and within 30 days a credit card was set up with a person I do not know as a authorized user. Navy federal doesnt car and wont tell me if my social or my daughters is at risk we both got accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. see Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2021 I was trying to complete a purchase online when CITI sent me a text alert that my card was frozen and I had to call their fraud department. On the first call the lady told me their system is down for maintenance and she can't unfreeze it which is ridiculous! How do you freeze a consumers card with no way to unfreeze it?! I asked to speak with a supervisor and she hung up on me! Called back in got another rude gentleman who did the same XXXX when I asked to speak with a supervisor, and tried to refuse to provide an employee ID # or reference for the phone call. Then instead of the supervisor taking the call she was just telling him what to say to call back at XXXX!!! For a card that charges an annual fee it's not worth the XXXX poor customer service. I will be canceling this card.

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 2021-05-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi, I was recently applying for an apartment and signed up for XXXX to check my credit report. I noticed my credit was extremely low and the reason was an impact to my credit by a credit inquiry. I opened the file and it showed a company XXXX XXXX XXXX XXXX I asked myself what the XXXX is this? So, I looked it up. It says it is an online bank, I dont have any online bank accounts. So I decided to file a dispute with Equifax and then call the company reporting this XXXX  which informed me that they did not have a file with me and this May be a fraudulent account. The address that was used was an address I lived in XXXX and the XXXX  XXXX my husband informed me it was the same bank the two tenants from the basement used to pay the utility bills. We actually moved out of this place because they were stealing our mail. But now I now where one of my W2s that was mailed to me went. The tenants name is XXXX XXXX XXXX, and XXXX XXXX XXXX. I am going to now file a police report and have to fax all of this information to the credit company. Please report these people and the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Skopos Financial, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a cosigner on an auto loan with my ex wife and we divorced and it was stated in the divorce decree that she will take up the payments and be responsible for the auto loan. I remarried and applied for a mortgage loan and was notified that I had a repossession on my report from that auto loan. I called the auto loan company and asked them what i could do because I could not have that on my credit. I asked for the car back and they notified me that the cal was sold but not once did I receive mail or any call informing me about the repossession of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I made a deposit of XXXX AUD to Gemini Trust company on XXXX XXXX. 

On XXXX XXXX, I received an email from them stating they received the funds and the deposit was failed as the funds were sent from a business account. In the email, Gemini stated the funds are going to be returned. 


After XXXX MONTH of waiting, the funds are still holding by Gemini and are NOT returned back to me. During the past month, I have emailed them more than XXXX times and only early XXXX emails were replied to.

Gemini is currently holding my funds without responding to my emails. I wish you can help me to get my funds back from Gemini Trust company.

Please find an email attached as proof of receipt of my funds by Gemini.

Company response to consumer: Closed with explanation