BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-26
Company: EQUIFAX, INC.
State: MN
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 last name is misspelled. It is listed on Equifax as " XXXX ''. That is incorrect. My last name is spelled " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXl is a fraudulent company. I want to get this off my credit. I will pay it but not them. I just want a different company or way to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX - letter from XXXX indicating that mortgage was paid in full. 

XX/XX/XXXX - Demographics printout ( showing a balance of {$0.00} ) and Real Estate Insurance received with Mortgage Interest Statements from XXXX and XXXX that show 2 totally different account numbers. 

XX/XX/XXXX - letter from Mr. Cooper stating that there was a Unpaid principal balance of {$73000.00}. 

XX/XX/XXXX - letter from XXXX XXXX XXXX stating that we signed a Equity Line of Credit Agreement with a rate of 9.250 % that was later lowered to 5.02 %. We did not sign these documents. 

XX/XX/XXXX - letter from Mr. Cooper stating that the loan is still active with a balance of {$74000.00} and they were unable to complete a Release of Lien.

Deed to our home seems to have been stolen ( we have copy of original deed and the second deed does not have signature of Clerk of Court on copy sent to us

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The account was closed in XX/XX/XXXX, because they said I was in violation of their rules. Basically, I did n't have enough money in the account at the time of the transfer. That 's fine. The issue is that every month since XX/XX/XXXX, I 've gotten emails from them stating that there are insufficient funds for the transfer. Even though they are the ones who closed the account, they are still trying to withdraw money. I 've made numerous calls over the last few years asking them to stop emailing me and to confirm that they have closed the account. First they said their system would n't allow them to stop emailing me. Then they said they got it to stop, but clearly they have n't. I have lots of records of their emails in my account going all the way back to XX/XX/XXXX.
I need them to stop bothering me with these emails. I do n't want the idea of someone trying to potentially go after money in my account with this. Nothing I 've done has made a difference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I spoke with XXXX  XXXX  XXXX  in Utah and they told me that a debt that is reported on my credit report for {$500.00} from XXXX XXXX was my debt. They explained that the accounts reported address was XXXX XXXX XXXX in XXXX, GA however I never lived in Georgia. I did a lookup on the address given and there is a XXXX XXXX XXXX that lives there, my previous name was XXXX XXXX XXXX but I live in Florida. I explained to them that this was NOT my account and they stated I would need to go fill out a police report, spoke with police department who stated to come in and fill out report, I am not driving to Georgia to fill out a report! 
Sent letter to Transunion and XXXX XXXX XXXX, Transunion indicates the following : INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 

Again, this is NOT my account. Please advise.

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 2022-01-25
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:
I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed

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 2022-08-15
Company: Experian Information Solutions 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 reporting act : XXXX XXXX account # XXXX XXXX  XXXX Account # XXXX XXXX account # XXXXXXXX XXXX XXXX  Account # XXXX Has validate 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 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 non-monetary relief
Consumer complaint received 2021-07-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I complete an application for a mortgage 20 days with Chase and have not received approval or denial.

I have contacted them several times even called twice to get it escalated and reassigned with the hopes I can use my financial institution for my lending needs, however, all attempts have been unsuccessful.

I have spent entirely too much time on this and it is beyond frustrating with the lack of service and responsiveness of Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I recently filed a complaint, number XXXX, against XXXX XXXX  regarding the return of funds that XXXX XXXX was holding after diverting money from a fraudulent account that I had wired {$23000.00} to. The transaction was stopped by XXXX XXXX  because they saw the funds were going into a fraudulent account. They want to give the money back but Wells Fargo Bank, my bank, the account that the funds came from, won't cooperate with the process that XXXX XXXX  wants to use. XXXX XXXX wants a Hold Harmless Letter from Wells Fargo to release the funds but Wells Fargo doesn't recognize a Hold Harmless Letter and offers no alternative to resolve the situation. XXXX XXXX  wants me to have the money, but Wells Fargo has made it impossible. XXXX XXXX  has closed their case because they have run out of options to come to a resolution. Wells Fargo won't work with them to return my {$23000.00}.

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 2020-01-04
Company: Clarity Services
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:
On or around XX/XX/2019. I received an alert from my credit monitoring that a new inquiry for a personal loan had been added to my report. I immediately disputed the fraudulent inquiry, the inquiry was made through Clarity Services INC. they are a low budget credit reporting agency operating out of XXXX, Florida. several people have tried fraudulently to open personal loans in my name using Clarity Services INC . The inquiry was removed through XXXX  the major credit reporting agency. I then attempted to place a freeze on my credit report with Clarity Services, INC. I followed the Clarity Services INC procedure to initiate a freeze by completing their SECURITY FREEZE REQUEST FORM and mailing it to Clarity Services , Inc. XXXX. XXXX XXXX XXXX, FL XXXX. They send me a letter stating that they need my full name, DOB and Social Security, all of which were provided to them on the credit freeze form they require you to use. I believe that Clarity Services is misusing consumer information and then making it impossible for someone to stop them by refusing or making difficult for consumers to place a permanent freeze on their own reports. I have also tried to resolve the issues with clarity services about the fraudulent inquiry but the telephone customer service representative refused to provide me with information, again showing how difficult it is to remediate fraudulent information with their company,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 my credit score dropped by 40 points. I bought furniture on credit through Synchrony Bank and paid it off over 12 months with no APR. Throughout these months my credit improved significantly and went up by 40 points. On XX/XX/2021 I made my final payment to them for the furniture and by the time it was reflected on my credit report ( XX/XX/2021 ) my score dropped all 40 points I had gained instantly. I am attaching the credit score update screenshot from XXXX XXXX for your review. I did call them and ask for their assistance in getting to the bottom of this. I was told that if I didn't make a late payment or have bad debt with them then my score should not have been affected. I tried to explain that it had in fact dropped 40 points and the only change reported was that I had paid off my debt. The man I spoke to then advised me to send in a dispute. I have never been late on a payment for any credit card or loan I have ever had, and there is no other info on my report that tells me what could have led to such a drastic drop in my score. Please advise on getting this fixed immediately as I am working hard to continue building my credit so I can buy a home soon. 

Thank you for your time.

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 2022-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
In XX/XX/XXXX my house was visited by XXXX women XXXX of which was identified as XXXX XXXX. She attempted to forcibly enter against my XXXX mother she attempted to damage private property and she made threats on both me and my parents lives on a recorded car in addition she made mention that she had all of our Social Security numbers that she obtained from her job and that she was going to end us. I dont know this person however when I looked her up I assume that she worked for XXXX Bank I contacted them they confirmed that she did not work for them somehow someway in her LinkedIn profile it said that she worked the Bank of America XXXX contacted them back in XXXX or XXXX of XXXX. They had an investigator contact me regarding the matter saying that this person does not work at their establishment and assured me That no information of mine or my mothers was breached however on XX/XX/XXXX to the party disclose she does work for Bank of America and also verbalize that Bank of America informed her of my contact. She relayed she works for Bank of America and works from home. So Bank of America lied to me when they said that this person was not employed with them. In XX/XX/XXXX my identity was stolen where someone attempted to take out a loan in my name. in XX/XX/XXXX again a fraudulent claim came across my credit card with XXXX. This party who works for this banking institution has been relentless in sending me numerous threatening text emails and voicemails indicating that she has connections to be able to see all my information and in my life. We are currently an active court proceedings because this person is relentless in her harassment and threats

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 non-monetary relief
Consumer complaint received 2020-10-06
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX XXXX : XX/XX/1998 SSN:XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 


* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 2022-01-25
Company: Experian Information Solutions Inc.
State: TX
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:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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 2018-12-02
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Discover card has blocked me from getting my consumer credit card into a payment program. I was working with a credit card service and XXXX from Discover card called me to allege fraud on my credit card. I was honest and explained that there was no fraud on my account that I was working with a company that I authorized to have access to my account. She unilaterally decided to change my account number, successfully blocking me from trying to get out of debt. 

On XX/XX/XXXX, XXXX contacted me demanding a payment. When I informed her that I did not have the ability to make a payment currently, she threatened that she knew my bank account number. I immediately said repeatedly that she and Discover had no authorization to take money from my account. On my own accord, I payed a payment of {$200.00} ( which a few cents credit ). Imagine my surprise when I receive an fraudulent email indicating that I verbally authorized a phone payment on XX/XX/XXXX, which was completely untrue. Obviously, XXXX and Discover realize that this practice is fraudulent, as she created the fake phone authorization in order to create a fraudulent paper trail. 

On XX/XX/XXXX, I confirmed that my credit card has finally made it into a payment program. I have received two additional phone calls on XX/XX/XXXX XXXX EST and XX/XX/XXXX at XXXX EST from the fraud department. I have not take the phone calls, as I am tired of arguing with them and finally just wrote an email to the CEO, XXXX XXXX informing him of his Discover and XXXX 's unethical and illegal behavior. I suspect that they are going to alleged fraud again, so yank my credit card out of the payment program and block me again from trying to successfully pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Convergent Resources, Inc.
State: LA
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:
I had service with XXXX XXXX internet but the service was no longer working and I made call after call and they sent out a tech several times but they either couldnt get it working or they would get it working and right after they left it went down again. This went on for a total of 3 months and they kept applying credits and eventually told me it was a problem at the pole and they were waiting on permits. They never got it fixed ao I was forced to cancel service and sign up with another company. I got a bill and contacted them and they told return the equipment and the credit would wipe out the remaining balance owed. I did at a XXXX location. They reported this to XXXX XXXX and I disputed theough credit bureau and nothing happened. I have no documentation because it was all by phone but XXXX has a booked of transcripts of the calls because every time I called the person could read everything already done from previous calls. It is not much but it is unfair I should have to pay for service they disnt provide.

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 2018-12-02
Company: HOVG, LLC
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:
Hello and thank you very much for looking into my case. 

On XX/XX/2018 I have sent letters for these companies indicating that I would like to submit a formal dispute to the debts they claim that are mine on my credit profile. Not recognizing theses accounts I initiated a process of dispute. 

The accounts were as follows XXXX XXXX XXXX Unverified Account On XXXX and XXXX So far it has been almost 2 full months and this company has not responded stating anything. I haven't received a letter or noticed whatsoever in the mail from this company. I explained in the letter specifically " Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & amp ; FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' I also explained failing to verify the debt according to the Sections listed below could result in 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation