BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I recently had my accountant go through my past statements, and we came upon XXXX charges that did not ring a bell. We could find no record of my having ever dealt with either company and upon a cursory investigation found that they were XXXX timeshare resale companies located XXXX. Because I had never heard of, or done business with these companies I filed a fraud claim with XXXX @ XXXX where I spoke with XXXX in the fraud dept. The companies in question were XXXX XXXX and XXXX XXXX going by the name of XXXX. The first charge was for XXXX on XXXX and the second was for XXXX on XXXX I explained that I did not know who these companies were, and did not make the charges in question. XXXX cancelled my existing card because they said it was being noted as a fraudulent charge and credited the charges back to my account on XXXX Today XXXX I received a phone message from XXXX stating that after looking at my statements they noticed some charges I had made while we were vacationing in Florida around the time of the first charge so they were assuming that I had made the charge and were making me responsible for XXXX charges. This is the most ridiculous thing I have ever heard, it is like saying I was in XXXX vacationing on XXXX so I therefore must be connected to the terrorists. I did not receive anything in writing from XXXX yet, only this vague and ridiculous message. If XXXX wants to investigate something why not investigate the fraudulent companies who charged my card without permission and I am sure did the same thing to others, this is the first complaint thatm XXXX has received regarding these companies? Highly unlikely! I will be calling back into Visa with my Attorney on the line with me this week, I just want the CFPB to know how XXXX is shirking its responsibility to consumers regarding the Federal Fair Credit and Billing Act. Because I was in a geographic area where these companies may or may not have been located, I am not going to accept XXXX 's word on that fact, my card company is going to try and make me responsible for charges that I never authorized or took part in? Absolutely unbelievable behavior, I am sure once this matter is settled in my favor I will never be a customer of XXXX ever again. Perhaps my information was stolen or compromised while we were on vacation, I do not know, but for XXXX to try and make me the bad guy is unconscionable. Someone at XXXX is either lazy or incompetent or both to make such a broad assumption with zero facts to support that position.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX {$4800.00}

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 2015-10-15
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Four complaints:1. While requesting XXXX my annual reports, the internet went to a " XXXX '' for the reporting agency XXXX XXXX XXXX, then a error message appeared saying that the secure site could not be reached. This also happened a few months ago during a request XXXX. Because the online service was not producing my report, I decided to contact XXXX, using their posted " contact us '' form. 

2. I tried to contact XXXX by using both their " contact us '' form and by phone. Even though I completed the " contact us '' form, it repeatedly posted a message that there was a problem in the " tell us more about what happened '' comment field, and that I 'd have to correct the error ; however, there were no instructions as to what the error was or how to correct it. 

3. After getting no results through the " contact us '' form, I tried contacting XXXX by the posted phone number : XXXX ( which is the same number that Consumer Financial Protection Bureau gave me to contact XXXX XXXX. That phone number ( XXXX ) provides only a repeating message and no live person to help troubleshoot the online problems with their website. 

4. I 'm quite concerned that the XXXX website is phishing! It certainly is acting like it is! and I do not need my identity jeopardized!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: Radius Global Solutions LLC
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid the supposed amount that central credit services claims to be attempting to collect. I have contacted XXXX to make sure that I did in fact settle all my debts to them prior to my moving from Idaho to our new duty station. Central Credit Services has now put a debt collection on my XXXX credit report. I have not ever not paid any of my bills and do not appreciate a company attempting to collect money that I have never owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Fairway Independent Mortgage Corporation
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:
I received a credit inquiry from Fairway Independent out of WI. I did not apply for any lending and I did not even recognize the bank so I reached out to find out what was going on. 

After speaking to an agent there, he told me they received an application and went ahead and processed it. I have an XXXX XXXX fraud alert in place, and asked if they had called to verify before using my social security number. They did not. 

He told me there was nothing he could and only said seems like this is a personal deal in my opinion. I then asked for a copy of the application and one could not be provided to me. 

I am now not receiving a response from the business after asking if they have a fraud department in house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I set up a payment plan with my XXXX  visa card synchrony bank on XX/XX/XXXX to take XXXX dollars from my bank account on the XXXX of every month. They took the payment on XX/XX/XXXX but then didn't take anymore payments after that. 2 months later I saw that they hadn't taken their $ the last 2 months and when I called to ask why I was told they had charged off my card for failure to pay. I told them I set up payment plan for them to take the money each month. XXXX they said I didn't make a payment plan and after giving them the date I called n insisting I made payment plan on that date they found it but then said I was supposed to call them to make payments. That is not what I was told when I made the payment plan I was told they would b taking from my account on the XXXX of each month. And I have payment plans with 2 other cards n they all take their $ from my account every month just like this company said they would do. Now my credit is ruined for 7 yrs n debt collectors r going to b coming after me when I didn't fail to pay them. I made sure their $ was in my account on the XXXX of each month but cuz THEY failed to take it I have to pay the price? If I was supposed to call them to make payments they needed to tell me that. When they ask for my bank account info and say theyll b taking the money then that's what I expect theyll do. I've done nothing wrong and shouldn't be punished for their mistake or just wrong doing.

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 2017-08-28
Company: Financial Credit Service, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received calls from XXXX on the following dates and times at my place of employment : On Thursday, XX/XX/XXXX : XXXX XXXX XXXX XXXX Friday, XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  Monday, XX/XX/XXXX : XXXX XXXX When they first called, they said that they were with ARA Associates and that litigation has been filed against me in my local jurisdiction for an unpaid debt. They said I owe XXXX XXXX XXXX {$4000.00} for an unpaid debt. Not only do I not have a {$4000.00} account with XXXX XXXX XXXX, which I told them, but I also pay for monthly credit monitoring through XXXX and I have never seen this alleged " debt '' on my account. I immediately knew this was a scam and told them not to contact me again. As noted above, they have continued to call me at the above times. I 'd like for them to be investigated for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The comanpy Wakefield & Associates, keeps harrassing me for a payment that was already settled, to my knowledge and proof, by our debt consolidation company. 

Date of origination listed on the account is XX/XX/2018. The amount they are requesting be paid is {$55.00}. 

I have a Paid in full letter from their website. Also a paid in full letter from our debt consolidation company. 

I have requested a letter showing what the original creditor is and the original paperwork from what this charge is from and they have failed to send multiple times. 

I have submitted serval disputes on there website, all of which go un responded to. 

I have pulled full credit report twice and this charge/collection is nowhere to be found on any accounts or any collection accounts on my full credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a dispute with bank of america in 2012 for charges that were not valid. i later closed the account. when i checked with XXXX XXXX ( TRYING TO OPEN A CREDIT UNION ACCOUNT ) i was told that i owe XXXX to bank of america. i called and spoke with their recovery department to resolve the balance. i was told that XXXX of the XXXX is a result of over draft fees and only XXXX is the true owed balance. This was the disputed charges from 2012. i have moved and i have not received anything from bank of america for these charges. i will pay what i owe but i was unemployed for an extended time i cant pay XXXX in fees that should not have been added in the first place

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My report 's list of inquiry and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
Inaccurate Name : XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX EMPLOYER : XXXXXXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXXXXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: MI
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 the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXXXXXX Account number : XXXX 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 an account without my written consent.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other then Records of convictions of crimes which antedates the report by more then 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is in accurate.

This isnt not the first time, the three credit bureaus XXXX, Equifax and XXXX have violated my rights.

XXXX never responded to my certified INVESTIGATION letter I sent over 45 days ago.

This is the second investigation I have had in 3 months, one online, one via certified mail. Neither solved my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
See attatched XX/XX/XXXX statement. Kindly Note Merchants credited {$120.00} XXXX XXXX {$210.00} XXXX total {$340.00}. Balance left {$470.00}. See attatched FRAUD CLAIM INVESTIGATION RESULTS ** I DID NOT REPORT THIS AS FRAUD. see XX/XX/XXXX statement. NO USAA CREDITS. XX/XX/XXXX USAA REVERSED {$210.00} XX/XX/XXXX not usaa credits. See statement. NO USAA CREDITS. These are merchants credits. See attatched XX/XX/XXXX FRAUD FRAUD CLAIM INVESTIGATION RESULTS ** I DID NOT REPORT THIS AS FRAUD see XX/XX/XXXX Statement. NO USAA CREDITS USAA REVERSED {$120.00} XX/XX/XXXX XXXX XXXX CREDITS. These were merchants NOT USAAs. See attatched REVIEW OF YOUR CLAIM IS COMPLETE XX/XX/XXXX NO FRAUDULENT ACTIVITY FOUND ( USAA **STEALS MERCHANTS CREDITS ** CLAIMING THEY ARE USAA CREDITS. ) USAA REVERSED THOUSANDS OF MERCHANT CREDITS ON THIS ACCOUNT THEY CLAIM NO FRAUD OCCURRED and USAA OPENED THIS ACCOUNT VISA XXXX ** WITHOUT MY KNOWLEDGE OR PERMISSION. FTC ID Theft case XXXX. USAA COMMITS ID THEFT USING MY OLD SECURE DATA FROM MC end XXXX NEVER CLOSED XX/XX/XXXX DEBT DISCHARGED. 1099-C DOCUMENTATION. upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2022-07-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/22, We deposited a physical check into a new JPMChase checking account via ATM at the Chase branch while working with a Chase officer. The check was for {$1500.00}. The officer saw the check show up in the account. This check was from our existing XXXX XXXX account. The check cleared on XX/XX/22. 
On XX/XX/22, Chase closed the account in error. 
The {$1500.00} disappeared from the account. We had 4 visits at the local Chase branch where they tried for several hours to find this money. 
Suddenly, on XX/XX/22, the money finally re-appeared in the Chase account. But what Chase did was RE-submit the original check to XXXX XXXX a second time and XXXX cashed it again on XX/XX/22! 
Now we are still out the {$1500.00}. XXXX says we have to deal with Chase and Chase says we have to deal with XXXX. And it was very shady of Chase to resubmit that check twice when THEY lost and couldnt find the money. THIS IS WRONG!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our house and included payments to our creditors in the amount of the new loan. The lender, Cash Call Mortgage, wrote checks to pay the creditors directly, but one of the creditors did not receive the check. We have requested a new check for two months now since now we are technically paying for this debt twice at this point- We have already started making payments to Cash call including the amount that should have been paid to the creditor as well as making payments to the creditor until we receive the new check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am requesting date of death balances for multiple accounts. I made the request in person to customer service rep XXXX who advised me that his manager XXXX was out on vacation until XXXX XXXX. I have left XXXX messages with XXXX since XXXX 's return to have her call me to advise me of the request status. I have not heard back as of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Recently filed a complaint against Target for fraudulent activity on my account. Received a letter from a XXXX XXXX on XXXX XXXX, 2015 asking me to submit information to Target so that they may conduct an investigation regarding the fraudulent activities on the account. I submitted the documentation to Target as instructed over a month and a half and still no response from this XXXX XXXX person. I have contacted Target on several occasions trying to get in touch with this person and no one seems to know who this person is nor do they have any contact information for this person. It almost seems as if they just inserted someones name on their letterhead and sent it to me and well as the CFPB just to respond. I feel that Target did not acknowledge nor answer my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: MD
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 want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX called to ask for payment federal for covid 19. Let them know i needed for XXXX as I had made a payment that day for XXXX. Was informed no late fee. Late fee was added and they reported me as over the limit to credit reporting agencies. They refuse to fix their error. Spoke with XXXX rep XXXX who refused to fix their wrong reporting. They are discriminating against their card holders who need help by knowingly reporting inaccurate information caused by their error. They chose to do this even with recorded calls proving their error bc I told them I was impacted by covid19

Company response to consumer: Closed with monetary relief