BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: MD
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 DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

1. XXXX XXXX XXXX 2XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: JPMORGAN CHASE & CO.
State: NY
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:
please review the following accounts that appear on my credit report without any authorization XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXXXXXX XXXX  Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX, XXXX we took out a loan in the amount of XXXX and signed a promissory note promising to repay the loan. Also, on XXXX XXXX, XXXX we signed a Deed of Trust that was to secure the lenders interest in the property, however, the notary did not notarize the deed of trust effective XXXX XXXX, XXXX and instead the document purports to be notarized on XXXX XXXX, XXXX which invalidates the deed of trust. Bank of America filed a foreclosure action based on the invalid deed of trust and a recent sale was held on XXXX XXXX, XXXX. Bank of America did not have a secured interest in the property due to the invalid deed of trust which was improperly notarized. Bank of America and any other party claiming to be the holder of a secured interest in the property should look in the see the attached deed of trust. I tried attaching a complete copy of the deed of trust to this complaint, but the file is too large. I have place a copy of the first XXXX pages of the deed of trust and a copy of the last page of the deed of trust which is the acknowledgement page which shows the inconsistent dates.

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 2017-07-03
Company: LendKey Technologies, Inc.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Recently refinanced a XXXX loan with XXXX XXXX via the servicer LendKey. Due to the high cost of my student loan payments, I typically work with the loan servicers ( I 've had 2 different servicers prior ) to adjust the due date to the XXXX of each month. This helps me to spread large bills to different paychecks. <P/>I reached out via phone to LendKey in XXXX 2016 to change my automatic payments to the XXXX, and they refused. They accept payments only on the XXXX of each month. This can cause an undue burden on borrowers who rent ( among other examples ) because rent is typically due on the XXXX of the month. <P/>They had no substantive answer other than " The due date is at the discretion of the lender. '' LendKey is the first and only loan servicer I 've seen who refuses to grant this simple ( but impactful ) request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: IL
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, has violated my rights. 15 USC 1681 Section 602 States I have right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-04-30
Company: EQUIFAX, INC.
State: IL
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, has violated my rights. 15 USC 1681 Section 602 States I have right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Co signed auto loan, person passed away, car was in her name, but I was paying loan all along. Try ed numerous times to have car put in my name so I could register and keep car. They could not help me. I try ed everything to keep this vehicle but it was not in my name. They asked for me to sell car, impossible Not in my name!! Did everything possible to have vehicle transferred to my name with not success just frustration. Could not keep paying for a car that was sitting in my yard, not registered, not being able to register and not being able to use. # XXXX. {$2900.00} # XXXX. {$1200.00}. Date as of XXXX-2004, This debt is 13 years old, should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In  XXXX     2017  I sent a letter to Transunion dispute  XXXX  collection accounts on my credit report believed to be fraud. In the letter I specifically stated I donot want just verified, i need documentation. I am a fraud victim so i needed a contract with my signature, too see a copy of my id on file with these companies to validate this debt because it 's not mine. After waiting patiently for 30 days Transition send me a letter simply stating " verified ''.

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 2020-04-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated an instant transfer from my XXXX account to my Wells Fargo account in the amount of {$3.00} on XX/XX/20. XXXX indicated funds availability on XX/XX/20. The funds were delayed by Wells Fargo and not available until XX/XX/20.

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 2022-04-30
Company: CCS Financial Services, Inc.
State: SC
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:
Collection Agencies showing up on my Credit report, and I keep disputing them because I never had any business dealing with the Collection Agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Genesis FS Card Services, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Milestone sent me an online application for their card. I entered my information to see what the rates and terms were. However when I went to view the rates and terms the website said I was approved and being sent a card. I didn't want the card or the account with Milestone, I only wanted to check rates. Next they sent me a {$300.00} limit card on it with a {$75.00} bill due already, and I hadn't activated an account with them. 
Now I am trying to let them know they sent me this card in error and I don't want it. A {$300.00} card with a starting {$75.00} fee is ridiculous and I wouldn't have accepted such an offer. I'm on hold and being transferred but nothing is getting resolved. 
This is bad customer service. They are tricking people into checking rates and then instantly sending out a card before rates and the card can be accepted or denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Didn't receive notice of right to dispute. XXXX receive written notice of negative debt before being placed on 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 2021-06-10
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I submitted request to XXXX, XXXX, And Equifax to dispute a late payment for the month of XX/XX/XXXX for my XXXX XXXX account. I submitted my dispute letters on XX/XX/XXXX and a follow-up letter on XX/XX/XXXX. I have yet to hear back from either of these companies with the result from my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-12-07
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collection notice on XX/XX/2021 from McCarthy Burgess & Wolff ( Reference # XXXX / Account # XXXX ) and called them on the same day to confirm that the XXXX account associated with this notice is fraudulent and my identity has been stolen. I filed a police report with the XXXX XXXX Police Department, filed a fraud report with XXXX XXXX and also with the Federal Trade Commissions Report that this Identity Fraud occured I have called and spoken to XXXX XXXX numerous times ( spending hours on the phone ) to provide this information, and have been transferred around various departments, all of which said nothing can be done about this identity fraud, as the account is now closed. They also accused me that it was me who open this account, and when I asked for proof of how my identity was confirmed ( driver 's license ID, passport, or video evidence or audio evidence they were unable to provide this. The number and email address were not mine either! ). I have provided all the above information to the collection agency, who have said no further action will be taken, however, I have asked, as per the FTC guidelines that XXXX provide me with a letter confirming the account is closed, it's not my liability or was my account, and it will be removed from my credit report, which is currently hurting my business and personal life in securing any further credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent out 609 letters to all three credit bureau in request to investigate, validate, and remove the accounts in dispute ( see later ). In doing so, I requested a report with in 30 days due to federal law and have not received any response from either credit bureau. My inability to be able to obtain credit has altered my life. i am not able to get a car in my name, a home for myself or maybe even help starting my XXXX  to better my lifestyle due to the reports to my credit. I have attached all three copies of my 609 letter 's to show proof of contacting each party. I wished not to go to these measures however it was necessary. because i am struggling to build credit and can not be approved for any credit building cards or opportunities. All company information involved ( see attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called capital one today to question a interested charge on my account for XXXX. They explained that because I paid my account off early in XXXX that my account went into interest accuring. My XXXX balance was {$49.00} I paid {$200.00} in that billing cycle. My next statement was {$220.00} and I paid an additional {$150.00} over the course over two months I paid XXXX but my statement was XXXX and because I paid early I got an interest charge. I've paid more then my statement amount each month. This is needs to be address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-03
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There were collection accounts added onto my  XXXX  credit report, on  XXXX   XXXX   2017  I sent a certified letter requesting an investigation of the items and in that dispute I noted that just verified is not what I need to see, I wanted to validate this debt. I am a victim of identity theft so what I was requesting is a contract with my signature and a copy of my drivers license on file from the collection agency because of the fraud any place I go they are suppose to ask for my identification. Evidently this was not done. I received a letter from transition just stating that the debts were '' verified '' which took about 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: SYNCHRONY FINANCIAL
State: FL
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 have multiple hard inquiries on my credit reports from Synchrony Bank for different retail store credit cards. So far there are two inquiries for an XXXX XXXX card and one inquiry for a XXXX card. I called and disputed the XXXX card months ago and the inquiry is still showing on my credit report. I called about the XXXX XXXX inquiry today ( XXXX ) and now there is another inquiry for XXXX XXXX dated today!! I have not applied for any credit cards. I am in the process of having a house built and need my credit to good in order to qualify for a mortgage loan. I can not do that with all of these fraudulent inquiries from Synchrony Bank. I want them removed immediately and I want some kind of freeze or alert that does not allow any inquiries or applications under Synchrony Bank. My social security is being used and my maiden name of XXXX is being used. Random addresses are also being used to submit the applications. I was told a fraud alert would be placed on my information after the first inquiry in XXXX for XXXX but the XXXX XXXX inquiries were still able to go through. This is unacceptable and this is harming my credit and my opportunity to buy a house.

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 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I faxed XXXX on XXXX/XXXX/XXXX and they have not responded back with an explanation on why they have inquiries on my report that i did not authorized.

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 2022-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX there was a money transfer to an unknown account in the amount of {$470.00} when I logged on the Bank Of America Website a few days later and realized the money was gone out of my account it said edd/unemployment had taken the money out so that was a red flag to me so immediately I canceled the card and I called Bank Of America and that was probably around the XXXX or XXXX of XXXX now fast forward as Im talking to the fraud represenative i happen to be looking at my transactions and now it shows up as a regular atm withdraw so the represenative asked me if i wanted him to make sure the card was canceled and he again would issue out me another card and he would put a rush out on it and i told him that would be fine so im still wainting to hear back results i just received my debit card in the mail 3 days ago even though it was supposed to be here via rushed ups 1-3 business days be because the first one never came and that was only because I had to call bank of america back again because the card never came. So this has not been an easy process.

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 2021-12-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I, XXXX XXXX XXXX, I am the consumer, natural person, original creditor. 

It has become a great concern of mine with how I am being handled and ignored by the alleged debt collector, Carrington Mortgage Services. They refuse to abide by federal consumer laws. They blatantly ignore the laws presented to them as if they are beyond the laws. The Fair Debt Collection Protection Act was created by Congress to protect consumers from abusive debt collection practices. Carrington Mortgage Services have invaded my privacy on many occasions. They have ignored the Debt validation letter I sent them on XX/XX/XXXX. They are still sending me communications via the mails. I sent an Affidavit on XXXX XXXX, 2021. It was received on XXXX XXXX, 2021. They have yet to respond to my affidavit. They sent a letter requesting a copy of my driver 's license. They have been communicating with me without that information. It hasnt stop them from sending mail before. But when I asked for the name and address of the original creditor, now they need a copy of my drivers license. I do not trust this company. I think they will go to great lengths to hide their fraud, not to mention Its a delay tactic. 

Carrington Mortgage Services continue to ignore the federal laws as it pertains to debt, I received ( 6 ) envelopes on the same day with " A notice to Occupant of Pending Acquisition ''. That is blatant harassment and abusing the debt collection practices. They are nothing more than the servicing agent and have no authority to foreclose. This loan was sold several times and it was also placed in XXXX which means the alleged loan was converted to a stock along with being bundled up with thousands of other loans. It is a huge deception to receive payment from the homeowner, and the loan was satisfied 30 days after the closing. Again, it is no longer a loan but it has been converted to a stock. 

I have repeatedly asked for the name and address of the original creditor. They refuse to provide this information. This information will solve the issue. 

I am requesting your assistance in getting this matter resolved. I have attached the Debt Validation letter and the Affidavit for your review. 

Please let me know if you desire more information. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation