BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-02
Company: Experian Information Solutions 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 {$10000.00}, {$17000.00}, {$16000.00}. 
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 ) -- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -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 non-monetary relief
Consumer complaint received 2022-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my accounts without warning or cause in 2017, I was treated over the phone several times to unprofessional and abusive behavior by several Bank of America employees. And each response to my complaints have been watered down responses that did not address any of my concerns and instead continue to blame me when I did not have anything to do with what happened. My accounts were mishandled and they knew I had ID theft right around the time of these closures. Bank of America did not care or show concern at any time for what I experienced. Attached is a letter I wrote to the CEO Of Bank of America which I tried to send but never got a real address to send detailing the experience I endured at the hands of the employees involved. I am not saying money isnt owed and shouldnt be paid Im saying due to what happened I should not be held responsible due to the extreme trauma this caused. Bank of America does not have to have me back as a customer if they do not choose to but what they can choose to do is to show me some compassion after all I have been through and while I do not expect this to happen I am hoping there is someone who is willing to do something.

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 2018-12-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My experiences with Rushmore Loan Management Services suggest that their automatic billing processes are prone to error and lack transparency. 

In XXXX of 2018 I changed the way I paid my mortgage from automatic payments initiated by my checking account to using Rushmore 's automated debits, which would automatically deduct my payment each month, and would automatically adjust when changes to my escrow payment required it. 

I'd forgotten to cancel the monthly payment initiated by my bank, so I made two payments in the month of XXXX. When I realized this, I contacted Rushmore and asked them to reassign the overpayment to my principal. On XX/XX/XXXX, I expected Rushmore to debit my account per my automatic payment agreement, but this did not happen. I was traveling abroad for much of XXXX, and did not realize this until XX/XX/XXXX. 

When I spoke with a Rushmore customer service agent, I was informed that my payment for XXXX was not made because the double payments for XXXX caused the account to register no balance due. I also learned that both payments from XXXX had been attributed to principal, so I was in default for XXXX as well as XXXX. Furthermore, my account was not debited as usual in XXXX since my account was in default. I incurred approximately {$110.00} in fees due to the missed payments. 

Rushmore encourages users to use auto draft payments : their website states : " Rushmore highly recommends setting up recurring auto draft payments, if your loan is eligible for the service. Signing up ensures you will avoid being late on your loan payment ''. I did this, and consistently had sufficient balance in my checking account to cover the drafts. Nevertheless, my account became overdue and I incurred fees and had negative impacts on my credit score. It also took some time and inconvenience to resolve the issue. Furthermore, I was not able to find any information on Rushmore 's website ( rushmore.customercarenet.com ) that showed the terms of my existing recurring bank draft agreement, nor did I receive any communications from them explaining that my bank draft would not go through as scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
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:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND THE CREDIT BUREAUS HAVE REFUSED MY PAPERWORK THAT I SUBMITTED. I'VE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO ME REGARDING THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: EQUIFAX, INC.
State: TN
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 have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief. 
The following accounts need to be removed from my credit report : XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$68.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Early Warning Services, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
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 have submitted several disputes to Early Warning Services ( consumer ID XXXX, ) XXXX XXXX regarding two accounts being reported as account risk by XXXX XXXX XXXX XXXX. The accounts listed do not contain my social security number or address, yet despite several disputes being filed, EWS has replied consistently that they were able to verify the information as accurate and belonging to me, which is obviously incorrect, and they are refusing to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions 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'VE BEEN A VICTIM OF IDENTITY THEFT AND THE CREDIT BUREAUS HAVE REFUSED MY PAPERWORK THAT I SUBMITTED. I'VE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO ME REGARDING THIS ISSUE.

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 2022-01-22
Company: Chime Financial Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
At the end of XXXX, XXXX, I received three notices about attempts to open accounts at XXXX XXXX in my name. I spoke with XXXX XXXX, and the put out a fraud alert concerning this topic. Today, XX/XX/XXXX, I received a debit card from Chime that was set up in my name. I contacted the company, and they have claimed to have closed the account. I was unable to speak to anyone at the company, however, so I am unsure. I have been working on changing all of my passwords, have credit freezes on, and monitoring my credit. Someone is actively trying to open accounts, and I feel this need additional attention lest they succeed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: MA
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, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-20
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
On my credit report, it shows I have an missing payment in XX/XX/2017 which I think is an technical error on bank system because for 2 years before and after that it's always been on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
IC Systems is for a back power bill from XXXX  out of XXXX, NY. 
{$1600.00} this was removed from My Credit report back in XX/XX/XXXX this bill is from a account from XX/XX/XXXX. 
I have called XXXX and also IC Systems to make payments and was told NO payments i also sent email 's to both which i do have copy 's of. 
I have been reporting this to the credit places like XXXX XXXX and ask them to look into this for me but nothing get done and it is still on my report i even sent them showing the emails i sent to XXXX where the Dates of service is on. when i did use XXXX. with my account number still nothing. I have a copy of the the report from XXXX showing this was removed and now i come to you for help with this please.

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 2018-02-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Lost my card and got new credit cards. Once I activated them, I was unable to access my old account to settle my balances. Balance was due in 5 days. Customer service rep in XXXX told me to wait 5 days as it would take that much time to transfer everything over. I did not want to wait to give them my money. Asked for supervisor, and they transferred me to XXXX XXXX to a man name XXXX. XXXX also could not help and refused to give me the name of his supervisor. I simply want to pay my bill in full and close out 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 monetary relief
Consumer complaint received 2021-01-02
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: Account information incorrect

Complaint:
We are still having trouble with the companies XXXX and TransUnion! They are definitely dealing in Economic Fraud by misrepresentation who we are as American s! We have unlimited credits! See House Joint Resolution 192, of June 5th 1933, there is no constitutional law enforcement of money, only legal tender!

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 2022-01-22
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 a notice of dispute was sent via certified mail to Synchrony. The notice sent was a demand for proof of debt claim for 2 different accounts. It was requested for the corporation to provide all of the appropriate forms and paperwork that I requested back to me along with an Affidavit signed in Accordance with Title 28 USC sec 1746 within 30 days from the date of receipt of the notice/request for validation and proof of claim. I was mailed back a letter with screenshots attached of invoices showing activity on an account, but nothing proven that I " the consumer '' am responsible for the " debt '' in question. Synchrony Bank has intentionally ignored my written request to verify their " debt '' claim by not sending back the requested documentation and they only continue to attempt to collect. As a consumer I am aware that under the FDCPA this is a violation on Synchrony Banks part. 

" A collector can't continue to collect on a debt after you've made a written request to verify the debt as long as the request was made within 30 days of the collector 's written notice. ''

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 2022-04-12
Company: Nelnet, 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 status incorrect

Complaint:
Two months ago I checked credit reports from all three agencies. The department of education student loans that were forgiven two years ago or still listed as open by all three bureaus. Called department of education. They said they would notify all three bureaus that my balance was XXXX and the account was closed. XXXX did not get this information, they claim, and my credit score is XXXX points lower than it should be. The auto loan I am taking out today is based on todays score. XXXX is wrong. I will be forced to pay I hire interest rate for my loan because this information was not corrected two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-01-22
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received notification from my credit monitoring service that an inquiry was made of XXXX in my name using my SSN and a credit card was issued by TD Bank. I immediately placed a freeze and fraud alert with XXXX, XXXX and XXXX, and notified TD Bank that I had not applied for any credit card. They informed me that a credit card was issued using my personally identifiable information ; name, SSN, home address. They told me that when I received the credit card to destroy it and they put a block on the account. This afternoon, XX/XX/22 at XXXXXXXX XXXX I received the credit card and also a book of checks for an account set up at TD Bank. I did not request either a credit card or a checking account from TD Bank, so apparently whomever applied for the credit card set up a checking account as well. The name and address on the checks is my name and address, but the phone number is different. I XXXX  the telephone number ( XXXX ) on the check and it is listed to a person by the name of XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX MA. My middle initial is not XXXX, and my telephone # is a VT area code XXXX. TD Bank keeps sending me in circles with the automated help lines that have not provided any information on the checking account. I have confirmed the credit card has been blocked but have not been able to obtain any information on the checking account ( number XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
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  Equifax, XXXX and XXXX have violated my rights. 
15 USC 1681Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. 
All late payments from my credit report must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: JPMORGAN CHASE & CO.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX, I paid Chase in cash the full amount of an account that was previously charged off. Chase alleged it notified XXXX of the same on XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX ), I called XXXX to verify if they had been notified of the payoff ; they denied receiving the information. I called XXXX, XXXX XXXX XXXX ( XXXX ) again asking confirmation of account being paid off ; again they denied the same. XXXX XXXX XXXX ( XXXX ) - I filed an online dispute with XXXX  providing proof of payment, as instructed by XXXX. XXXX XXXX XXXX ( XXXX ) I went into a local Chase branch, asking for documentation as proof of date and time the pay off information was sent to XXXX, Chase representative said they had no documentation. I asked how they communicated payoff to XXXX, they refused to provide this information. XXXX XXXX XXXX ( XXXX ) I called XXXX again asking if they received documentation of payoff - Representative said : everything was on hold while investigation is being conducted based on dispute filed XXXX XXXX XXXX. I  asked what that meant. Rep said : documentation was sent to Chase requesting response of payoff. I asked when was the documentation sent. The Rep said : It 's in process. I stated to Rep - since you ca n't tell me what time, then you obviously have not sent the request to the bank. Rep stated even if bank sent or subsequently sends documentation of payoff, I would not know anything until investigation is completed, that they have 30 days, and results would be sent in writing. Since it takes " seconds '' to put me into XXXX, why ca n't I get answers in " seconds '' to my valid questions? Why have I been lied to by both the bank and XXXX? It 's my understanding that this is all done electronically, and I know that wire transfers can occur within 15 minutes - so why does it take these two entities days to document proof of this transaction? I paid cash, borrowing money to pay this outstanding debt, and I ca n't get a straight answer from anybody. I told XXXX I would be filing this complaint, and I 'm requesting an immediate response. My life is on hold while these two institutions XXXX around. Please advise at your earliest convenience ( i.e. - immediately ). Thank you for your assistance and cooperation.

Company response to consumer: Closed with non-monetary relief