BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
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:
XXXX XXXX XXXX Last 4 of Social Security : XXXX XX/XX/1993 XXXX XXXX XXXX XXXX, CA XXXX XXXX These accounts have been opened fraudulently without my legal consent or permission. The credit bureaus will not remove. I have filed police reports as well. 
Please have them remove these inaccuracies immediately. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. 



ACCOUNTS : XXXX XXXX XXXX {$4200.00} XXXX {$1100.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX  XXXX XXXX {$520.00} XXXXXXXX XXXX XXXX XXXX XXXX {$300.00} XXXXXXXX XXXX {$3400.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$550.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1200.00} XXXX XXXXXXXX XXXX  {$790.00} XXXX XXXXXXXX XXXX XXXX {$480.00} XXXX XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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 applied for a loan modification on my student loans before I go into graduate school, I was denied due to serious credit risk, over limit on credit card, and adverse action. I reviewed my credit report and found these 2 Capital One accounts ( which I have never had any association with Capital One bank or credit ).

I filed a police report, once finished the officer gave me the website of the FTC to file a federal report there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lender : XXXX XXXX XXXX XXXX Servicer : Amerinat I have made all payments on time and I no longer owe anything on XXXX XXXX XXXX mortgage loan. 

I requested a loan payoff amount about a month ago and have not received anything. 

My last check on the loan of {$62.00} was cashed but the amount is not reflected on the online account information. 



Thank-you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ...., and XXXX account 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 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 2022-12-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a HELOC from Citizens Bank. 

As a part of the application process, Citizens requires that I sign an " Authorization Form '' which grants Citizens the right to obtain any information at any time about my application, which seems rather excessive, unnecessary and unfair. 

My concern is that in order to get a HELOC, Citizens will have the right to pull my information whenever it wants. 

The form says - " ... the undersigned hereby give Citizens authorization to obtain any and all information necessary to complete my application request. It is understood that a photocopy of this form will also serve as authorization and the right to verify or re-verify all information for any time period before or after the credit decision is made. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX we fell behind on our mortgage... address was XXXX XXXX XXXX Texas XXXX... they told me that I had to pay {$5000.00} something before XX/XX/XXXX to keep my home... my wife went and got a {$5000.00} loan in XX/XX/XXXX and I called Wells Fargo and told them that I had {$5000.00} I could pay and they said that I had to pay the total amount to keep them from foreclosing... So we moved out and they put the house up for auction ... trying to figure out if I am eligible to be in this class action law suit... 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 2022-08-03
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX : THERE IS INFORMATION THAT ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. I DID NOT PROVIDE WRITTEN PERMISSION OR INSTRUCTIONS FOR THE IDENTIFIED TRANSACTION TO BE REPORTED ON M CONSUMER REPORT. I AM REQUESTING THAT THE REPORTING OF THIS INFORMATION BE BLOCKED AND DELETED. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF A MATERIAL MISREPRESENTATION OF FACT BY ME RELEVANT TO THE REAUEST TO BLOCK THE IDENTIFIED TRANSACTION. THE IDENTIFIED TRANSACTION ARE NOT INFORMATION RELATED TO MY TRANSACTION BY ME AS THE CONSUMER. 

( 1 ) CAINE & WEINER XX/XX/2021 ( 2 ) XXXX XXXX XXXX XXXX : YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANACTION FROM BEING REPORTED TO MY CONSUMER REPORT WITH IN 4 DAYS FROM THE DATE OF THE RECEIPT OF THIS NOTICE. I LOOK FORWARD TO YOUR RESPONSE. 

THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-12-30
Company: Earnest 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 EARNEST/XXXX XXXX XXXX has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 ACH transaction by XXXX XXXX XXXX for {$2700.00} XX/XX/2022 ACH transaction by XXXX XXXX XXXX for {$1000.00} XX/XX/2022 ACH transaction by XXXX XXXX XXXX for {$10.00} XX/XX/2022 ACH transaction by alpacasecurities for {$1000.00} Suncoast Credit Union has returned the {$1000.00} by XXXX, but not the remaining XXXX transactions from XXXX. These transactions were made from our savings account. The bank did not notify us of these odd occurrences on our account although we signed up for notifications. To make matters worse, we went to the bank in XXXX to sign up our daughter for her first checking account. They failed to notify us then of these XXXX transaction during the visit. 

We noticed the issue XX/XX/2022 and had them file an affidavit of fraud on XX/XX/2022. My husband called today and they said the transactions were too far out of date to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 XXXX is reporting a bankruptcy on my credit report and they put in the furnisher as being United States Bankruptcy Court Southern District of Mississippi which is false. I have attached a letter from the United States Bankruptcy Court Southern District of Mississippi dated on XX/XX/2022 verifying and stating that they do not furnish information to the credit bureaus or any credit monitoring services. Nor do they validate any information concerning bankruptcies. XXXX is falsely stating this information on my credit report and have yet to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: JPMORGAN CHASE & CO.
State: MI
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/2022, my checking account was charged almost {$5000.00} between XXXX transactions all going to what looks like 5 different people in XXXX XXXX XXXX. 
The names are : XXXX XXXX, XXXX XXXX XXXX, XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX. 
On the night of the charges, I received automated calls from Chase and I denied 1 of them but the calls came in as I was on the line. I received multiple calls from chase and couldn't answer them at once. The next morning I woke up to all these charges and called the bank immediately. My debit card was closed and a claim was filed. I had no access to my money while this was happening and I awaited a new debit card in the mail. On XX/XX/XXXX, the charges were reversed and I thought everything was handled as these are clearly not my charges.This morning ( XX/XX/XXXX ) I was shocked to see another reversal and the fraudulent charges were placed back into my account leaving my checking account overdrawn - {$3700.00}. I again contacted the bank and was told that my claim was denied as these charges came from my phone using either a fingerprint or facial recognition. This is not the case at all as I have never lost my debit card or phone and I have no reason or any previous history of sending money to XXXX. This is putting a major hardship on my financial state as I am unable to pay my rent or put food on my table for myself or my kids. I'm willing to send my phone to any investigative agency that wants it but I need to get this figured out fast. I did have my debit card linked to XXXX XXXX but again, my phone never left my person and I swear on everything that is good in this world that I never authorized these charges. Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX, stated they would assist me in saving my home from foreclosure, when the mortgage services fail my several loan modification requests. Dual tracking has continued practice in case, I have submitted this claim with the courts. XXXX XXXX XXXX requested XXXX down payment, however no documentation was submitted by XXXX XXXX XXXX that they were action on my behalf. Never return any of my calls. I requested XXXX XXXX XXXX XXXX due to dual tracking practices by XXXX XXXX, Bayview loan, XXXX XXXX XXXX XXXX. I been dealing with dual tracking since 2010. Would really appreciate some real help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We have used a Capital One credit card for years and taken advantage of the cash back rewards for years as well. When we have some awards accrued, we always have the rewards amount ( in dollars ) applied to account, always with the understanding that the cash back amount did not serve as a payment. Therefore, without exception I would always deduct the rewards amount from the month 's balance and pay the remaining amount well before the due date resulting in the entire month 's amount due being paid well before the date due and avoiding any interest. 

Suddenly I am being charged interest despite the fact that the entire amount due on that month 's bill has been paid in full before the due date. How can you charge interest on a XXXX balance just because a part of the amount due was paid with the company 's own rewards and all before the due date? This is their excuse for tacking on interest. 

Should you need to see last month 's statement, we will be happy to provide it ; however, we hope it will not be published. I have asked to use my remaining rewards towards the next bill as part of my effort to get rid of this card. This company has certainly changed and is now exhibiting blatantly greedy behaviors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07
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:
Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please have these accounts deleted from my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: OH
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, Dept of Ed/XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX dismissed : Ref # XXXX, XXXX XXXX XXXX dismissed : Ref # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions 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 than records of convictions of crimes which antedates the report by more than seven 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 that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX- {$6700.00} Open balance Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence- Please this is not mine.

Company response to consumer: Closed with explanation