BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: NV
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fraud or scam

Complaint:
I have {$1500.00} dollars missing from my Rushcard account, I have an email from dated the XXXX of XXXX stating the money will be refunded back into my account in XXXX business days. My account is still missing the {$1500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12
Company: Convergent Resources, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
1. ) Received emails from XXXX XXXX stating a purchase made in XXXX, XXXX which I replied that I never made a purchase or have an account with XXXX XXXX. I called the XXXX XXXX XXXX XXXX. and that I never applied for an account or purchased any items. I proceeded to freeze my credit accounts with XXXX, XXXX and XXXX and have reported to then the wrong addresses on my report and all the hard inquiries and accounts in dispute. I received a debt collection notice on XX/XX/XXXX from Convergent - XXXX # XXXX - for XXXX XXXX account XXXX XXXX requesting payment of {$2200.00}. I have notified them on-line of my dispute with this debt- identify theft/fraud. I noticed on the 3 credit reports of 2 New York addresses that are not mine and are currently being investigated -- Addresses are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. My credit score has dropped due to the identify theft/fraud of my name, personal information. 2. ) Received in the mail XX/XX/XXXX from XXXX  XXXX XXXX - Reference # XXXX of an account that was not approved from a XXXX XXXX XXXX card. I never applied for this credit card - again identify theft/Fraud. Please resolve this issue. Thank you.

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 2021-10-28
Company: JPMORGAN CHASE & CO.
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 began to get emails from Chase Credit Card Services for fraudulent purchases that have been made on an account in my name. 4 XXXX gift cards totaling {$410.00} is stated in the emails I received on XX/XX/21 @ XXXX and at XX/XX/21 at XXXX. I DO NOT have an account with Chase Bank ( Business or Personal ), no do I desire one. I don't have any bank accounts or anything with this bank. On XX/XX/21 I began discussing this with the Fraud department and still nothing has been done. I spoke with XXXX, XXXX, and XXXX. This is fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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: Their investigation did not fix an error on your report

Complaint:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: FIRST ADVANTAGE CORPORATION
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Authorized background check for employment on XX/XX/XXXX to XXXX XXXX who used XXXX XXXX XXXX for background check. Background check showed a misdemeanor from XX/XX/XXXX that was expunged on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. Someone stole and used my personal information to open up an unauthorized and fraudulent account with XXXX. I never applied for an account with XXXX. I been receiving harassing and threatening telephone calls and death threats from XXXX XXXX XXXX in regards to the unauthorized and fraudulent account and debt. The account do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm trying to access my account for managing a security freeze and have been unable to do so. On XX/XX/2022, my husband ( XXXX XXXX ), on my behalf, tried to lift freezes on our accounts for purposes of applying for a credit card. After 2 hours on the phone with the representative, his identity couldn't be established. The mobile upload software wasn't functioning properly, so the representative didn't provide access to the account. Apparently, that's the only way the representative knows how to verify identity. 

The message that I received trying to login is " We are temporarily unable to complete this request. Please try again later. '' Trying again later doesn't help. This has been going on for weeks. 

On XX/XX/2022 I requested a verification code by mail and I received it. Upon completing the steps outlined in my.equifax.com/pin, a message says that the account is setup. When I try to login, I get the usual message, shown above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Eastern Account Systems of Connecticut, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX. And they sent to collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started an FHA streamline refinance sometime around XXXX of XXXX. Between XX/XX/XXXX and now XX/XX/XXXX I have been scheduled to close 3 differnt times and 2 have been cancelled without notice from the mortgage company because of title or documents not being turned over on time on their end or from attorneys. This third time I received a cancellation now due to unable to verify income. Income documentation was never requested from me and mortgage has always been paid since being a customer with Freedom Mortgage. I called Freedom Mortgage this morning and also spoke to a representative that read some notes that stated it was because I was removing my parents off of the loan, which once again I never told them to remove anyone and months back I made Freedom Mortgage aware of that as well. This was an issue I was told about months back as well. I have emails and proof where I have been dealing with this issue for months. It seems like they have been falling out of compliance as well.

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 2022-04-14
Company: EQUIFAX, INC.
State: IN
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:
In accordance with the fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX ) XXXX ) ( 2. ) XXXX XXXX XXXX {$1900.00} ( 3. ) XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
problem with fraud alert and freeeZes remove it XXXX XXXX, transunion, and XXXX  ftc violations committed For the first four years, you get free monitoring of your credit reports at all three major credit bureaus XXXX, XXXX  and TransUnion. ... These services will be provided by Experian. For an additional six years, you can opt for free monitoring, but it only covers your XXXX  credit report. 

tu Appeals Court Upholds FTC Order ; Trans Union Must Stop Illegal Sales of Consumer Reports to Target Marketers exp FTC consumer alert a " must read '' - XXXX XXXX For example, a lender that has suffered a security breach may offer you a complimentary XXXX  credit monitoring service

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 2022-09-12
Company: EQUIFAX, 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:
To whom it may concern, I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous times. I demand he accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX-XXXXXXXXXXXXXX Account name : XXXX XXXX Account number : XXXX While checking my most recent credit report, I noticed credit result of identity theft, made by the following companies : XXXX XXXX XXXX Inquired on XX/XX/2021 Inquiries that I did not authorize did not authorize anyone employed by these companies to make any inquiry and they are view my credit report. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please complete this investigation, as per the Fair Credit Reporting Act. Please note that you have 30 days to complete this investigation per the Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My husband deposited {$1800.00} through a Bank of America ATM on XXXX/XXXX/16. The deposit was done in cash. The ATM malfunctioned and only credited {$300.00} to our account. I have filed a claim and have gotten no where. The bank refuses to credit the missing {$1500.00} because, " the account is too new and you have n't had a large cash deposit before. '' They are refusing to escalate the issue. I have been told that the machine did not malfunction and it was insinuated that we were not being truthful.

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 2021-10-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For a few months now, I have been unable to access my myEquifax account. That is, I would enter my login information, but the website would immediately respond, " Please give us a call. '' On XX/XX/2021, I called Equifax Customer Care to resolve the issue. I gave my name, birthdate, address, social security number, email address, and two phone numbers. One number was my most recent and what I had updated my account to, and the second was the number I had begun my account with. Even though the agent stated that they were able to view my credit file, they still wanted me to go through a " Document Verification '' process via a link sent to my most recent phone number. This would involve me sending them pictures of my Driver 's License and / or Social Security card along with pictures of myself for " facial recognition. '' I was shocked that they were requesting such personal documents and, essentially, forcing me to consent to facial recognition, especially considering Equifax had a major data security breach just four years ago and there have been several data breaches this year. I repeatedly requested an alternate method for verifying my identity, but the agent refused, stating that consenting to the invasive process was the only way to eventually gain access to my account. Due to the agent 's unwillingness to provide a different method, I had to request a supervisor. While I was on hold, I used Equifax 's Account Recovery process. Fortunately, I was able to access my account this way by using the old phone number. Once inside the account, everything seemed fine. However, when I attempt to place a freeze on my credit, the website states, " Please give us a call. '' I am concerned because they are preventing me from protecting my credit, and I am in fear that they will once again request that I go through this invasive facial recognition process. It should be noted that even Equifax XXXX warns against the use of facial recognition software.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, 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:
I am a natural person, I am living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because we According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these account. 

Accounts XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - no account number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: LA
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 account that belongs to a business they keep reporting it to my credit and I'm not the owner

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 2020-04-04
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: Their investigation did not fix an error on your report

Complaint:
THE FRAUDSTER XXXX XXXX  AND EQUIFAX HAVE PUT SECURITY ALERT, EVEN I HAVE WROTE THEM NOT TO DO MANY TIMES. THESE 3 FRAUDSTERS ARE BEYOND CORRUPTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
THE FRAUDSTER XXXX, TRANSUNION AND XXXX  HAVE PUT SECURITY ALERT, EVEN I HAVE WROTE THEM NOT TO DO MANY TIMES. THESE 3 FRAUDSTERS ARE BEYOND CORRUPTION.

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 2022-04-14
Company: EQUIFAX, INC.
State: VA
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 Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I applied for a refinance of my mortgage on XX/XX/XXXX. I was approved for the refinance and worked with the new lender to obtain the required documents. During their review, they found that Bank of America had a lien on the property from a home equity line of credit dating back to XX/XX/XXXX when I first purchased the property. This lien should have been released in XX/XX/XXXX/XX/XX/XXXX when we arranged a line of credit, also from Bank of America. I initially tried to contact BOA by email on XX/XX/XXXX. BOA replied that I would need to go in person to a branch to resolve this issue. I went into the branch at XXXX in XXXX on or about XX/XX/XXXX. XXXX, the branch manager was very helpful in attempting to resolve this issue. However, the mortgage department which needed to complete the removal of the lien was not as responsive. I was told that the mortgage department required 7 - 10 business days to resolve an issue. The first document which they sent, a discharge of mortgage, was for the wrong lien. They did not provide this immediately but rather required that I wait for it to come in the mail. Eventually, XXXX received a copy and provided this to me and I realized that it was the for the wrong lien. We had to start the process over again. Again, I was told that this would require a 7 - 10 day wait. I was given the name XXXX as the individual in the mortgage department who was working on this. I attempted to contact him directly but he was on vacation. I finally reached him and he told me that I needed the BOA work order number for him to be able to help me resolve this problem. I eventually received the release of lien on XX/XX/XXXX. I am writing to complain because my pending mortgage was subject to a rate lock. This lock expired on XX/XX/XXXX. Because the lock expired, I was required to pay {$2100.00} in order to obtain the originally agreed upon rate on the new mortgage. This delay was due to Bank of America 's inefficiency. I would like for BOA to reimburse me for the increase I had to pay to obtain the lower rate.

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 2016-12-23
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have never damage XXXX and XXXX to which I have spoken to and they said that they paid this bill. I should a Of the no medical bills on my credit report for they are all paid for by just insurance100 per cent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
Debt still reporting on credit report well after 7 years. 

Wells Fargo ( WFDS ) XXXX XX/XX/XXXX {$0.00} Paid off XXXX. Want entry removed from 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 2022-04-14
Company: EQUIFAX, INC.
State: PA
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 ACCT # 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 response to consumer: Closed with explanation