BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: NV
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:
It appears that my file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: AMERICAN EXPRESS COMPANY
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:
AMEX Bank Credit Cards pulled my credit report. I do not recognize this inquiry, I did not authorize this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Submitted the following : XX/XX/2021 Letter to TransUnion updating personal information and removing names I am not associated with. Transunion is still reporting false names. 
XX/XX/2021. Letter to XXXX updating personal information and removing names and addresses I am not associated with. XXXX is still reporting false names. 
XX/XX/2021 Letter to XXXX updating personal information and removing names and addresses I am not associated with. XXXX is still reporting false names. 
XX/XX/2021. Letter to Transunion and XXXX regarding Fair Credit Reporting Act, asking to validate a debt. ( XXXX ) I have not heard back and is still reporting on my credit report. 
XX/XX/2021 Letter to XXXX asking for Debt Validation. ( XXXX ). No response as of today. 
XX/XX/2021 Letter to TransUnion to verify a debt. ( XXXX ) No response as of today. 
XX/XX/2021 Letter to XXXX, Transunion and XXXX to validate information on the report. ( XXXX ) No response as of today.

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 2017-03-19
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been a XXXX ( XXXX ) for the last nine years. This means that my income is not steady, fluctuating with whatever work I find. This also means that I contacted Navient numerous times about my payments. I often asked for lower payments. But because I had to provide income proof, I could n't get my payments lowered. ( My taxes showed income that was higher when I actually had work. ) I was ALWAYS told that I had the option of not making payments for a period of time. Quite often I had to have that extended. I was not aware that interest rates would become so burdensome to my ability to pay back my student loans. Ridiculously, my monthly payment is now at {$1300.00} with {$1000.00} of that being interest each month. No matter how diligent I am at making these payments, I will never be able to pay this back under these circumstances. I am also a senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Professional Recovery Management
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response. Later after dealing with that XXXX had a major leak related to XXXX. I have attached documentation regarding this leak which includes contact information for XXXX XXXX if you would like to verify the identity theft with the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

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 2021-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a text message from XXXX on XX/XX/2021. It said it was from Bank of America, and they detected fraud on my account. The text asked me to type YES if it was authorized, and NO if it was not. I typed NO, and the person called me. Then, I received a text that said press 1 to receive a phone call from a fraud representative. 

The person called me and said he was from Bank of America. He said they detected fraud on my account, and that someone was attempting to request {$3500.00} from me through XXXX. I logged into my Bank of America online account, and I told him that I didn't see anything on there. He said, " Yes, we can see it in our system, even though it hasn't appeared on your account yet. '' He directed me to use my mobile banking app and click on XXXX. He told me that I needed to send {$3500.00} to myself to cancel out the attempt. He directed me to use my own email address ( XXXX XXXX XXXX ), and add myself as a payer for XXXX to refund the fraudulent attempt. So, I added myself. I assumed it was ok, since I was using my own email address. He told me to send myself {$1000.00}, then {$2500.00} to myself. I noticed that the name on the XXXX said " XXXX '', and he said that was the name of the XXXX fraud representative that would be working on my case. The funds were deducted, and I didn't not receive them back. I received emails about it, which were also spam. 

I feel embarrassed, stupid, angry ... .. I'm an educated person, and I felt in my gut like something was not right. I should have listened to that feeling. But, this guy was good. He said all the right things, so I thought it was ok. 

I called Bank of America today XX/XX/2021, and they said that it was a scam, and that they are seeing spoof phone numbers and scammers using XXXX all the time. They recorded my case, but said it was unlikely that they would recover the funds because they do not know who the recipient was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Balance transfer

Complaint:
I applied for a balance transfer with XXXX XXXX XXXX. This transfer would transition credit card debt from a " XXXX XXXX Ohio '' XXXX, to a XXXX XXXX XXXX XXXX card. I was billed for the transfer amount of {$570.00} on XXXX/XXXX/16. 

XXXX XXXX XXXX mailed a paper check for the above sum to XXXX XXXX. XXXX XXXX deposited the check but did not credit my XXXX account. As it stands now, XXXX XXXX refuses to return the funds to XXXX XXXX XXXX, and refuses to apply the balance transfer as originally requested by myself through XXXX XXXX XXXX. 

Consequently, XXXX XXXX XXXX continues to bill me for the entire transfer amount, XXXX will not acknowledge receipt of XXXX XXXX XXXX funds, and I continue to pay the debt - only now to XXXX credit card companies instead of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have several accounts that were investigated and removed from my TransUnion Credit report. The problem I am encountering at this present time is item that was remove are appear back on my report. 
XXXX. XXXX XXXX XXXX. BRCLYSBANKDE XXXX. XXXX XXXX XXXX XXXX My recent credit score went down XXXX point this week.

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 2022-03-25
Company: JPMORGAN CHASE & CO.
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:
JPMB ( JP MORGAN CHASE ) reporting two unauthorized inquiries to the three Credit Bureaus XXXX XXXX, XXXX, XXXX ) Inquiry dates XX/XX/XXXX, XX/XX/XXXX. I do not recognize these unauthorized inquiries. I reached out to the agency on several occasions stating my complaint, as of date, nothing has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
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:
XXXXXXXX XXXX  Credit Cards pulled my credit report. I do not recognize this inquiry, I did not authorize this transaction

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 2015-09-08
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received the Initial Escrow Account Disclosure Statement from Freedom Mortgage. It states that the PROJECTED ESCROW BALANCE SUMMARY OVERAGE is {$3200.00} that was to be RETURNED TO ME ONCE ACCOUNT WAS CURRENT. On XXXX XXXX, 2015 I paid the XXXX 2015 monthly mortgage payment of {$1400.00} and I was current. At the bottom of the Disclosure Statement the following is stated : Federal Law requires that any escrow surplus of {$50.00} or greater for accounts that are current must be returned to you within XXXX days from the date of the analysis. Due to the delinquent status of your account, your surplus will be retained until the account becomes current. It is your responsibility to contact our a Customer Care department to request the release of any surplus when the status of your account changes. I did contact Freedom Mortgage on XXXX/XXXX/15 and requested my refund and it 's now XXXX/XXXX/15 and they have n't sent me anything, which is against the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Genesis Credit Management, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
We moved out of apt was on month to month basis they charged us for not giving a thirty day notice.. We never received an itemized statement from the apt manager. Then started receiving very rude phone calls from collection agency and he called my place of employment being very rude to my co workers. Saying if i dont pay he was ginna attach my wages and he said he has a law suit pending against me which i have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On my credit report it says Im XXXX  and have no credit. I just recently came across this while applying for a credit card and a loan. Im only XXXX Im not disabled or retired and I need to b able to access some type of credit. Im n a bind right now and could really use it but I knew it was messed up because someone hacked my computer and switched a lot of information up on it.

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 2022-03-25
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My name is XXXX XXXX, I am filing this complaint on my own behalf. 

On XXXX XXXX I sent out a cease and desist and letter to validate an alleged debt owed to Goldman Sachs through Apple Card. I have a green receipt to prove the letters was received at their facility. I received a green slip certifying that the letters were received at my mailing address just after XX/XX/2022. 

Goldman Sachs and Apple Card has failed to comply to my request to cease all mediums of communication. They have repeatedly called my phone multiple times, violating and failing to cease communication per my request. They have also left several voice messages, which is harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$9400.00} XXXX  XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$62000.00} XXXX  XXXX Balance : {$29000.00} XXXX  XXXX Balance : {$25000.00} XXXX  XXXX Balance : - XXXX  XXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$7500.00} XXXX  XXXX Balance : {$9400.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$62000.00} XXXX XXXX Balance : {$29000.00} XXXX  XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : -

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 2022-03-25
Company: EQUIFAX, INC.
State: FL
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:
Submitted the following : XX/XX/2021 Letter to XXXX updating personal information and removing names I am not associated with. XXXX is still reporting false names. 
XX/XX/2021. Letter to XXXX updating personal information and removing names and addresses I am not associated with. XXXX is still reporting false names. 
XX/XX/2021 Letter to Equifax updating personal information and removing names and addresses I am not associated with. Equifax is still reporting false names. 
XX/XX/2021. Letter to XXXX and XXXX regarding Fair Credit Reporting Act, asking to validate a debt. ( XXXX ) I have not heard back and is still reporting on my credit report. 
XX/XX/2021 Letter to Equifax asking for Debt Validation. ( XXXX ). No response as of today. 
XX/XX/2021 Letter to XXXX to verify a debt. ( XXXX ) No response as of today. 
XX/XX/2021 Letter to XXXX, XXXX and Equifax to validate information on the report. ( XXXX ) No response as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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:
On my credit report it says Im retired and have no credit. I just recently came across this while applying for a credit card and a loan. Im only XXXX Im not disabled or retired and I need to b able to access some type of credit. Im n a bind right now and could really use it but I knew it was messed up because someone hacked my computer and switched a lot of information up on it.

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 2022-07-20
Company: EQUIFAX, INC.
State: NC
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:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX & XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX Date of inquiry XXXX If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Stewart Information Services
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
First of all I am a widow and XXXX. my daughter came to visit me in XXXX and suggested I come to XXXX to live with her in the winter due to my XXXX. I agreed. I packed up my things but first went to visit her. She showed me a new home she wanted to buy saying it would be closer to her job. The closing took place during my visit and to my surprize she produced a gifting letter and insisted that I sign it. Well i wasnt sure what it was but she insisted again that it was noyhing for me to worry about. Promised her taxman would help avoid taxes and she promised to pay it back. Are you getting where this is going? I signed it. I headed back to XXXX and before I even got off the plane here comes her text messages saying she didnt think it would work out. I said ok but I have to get my money back. Time went by. She did send me {$500.00} and that was it. I did contact the closing company and they were not so nice and said too bad its a done deal.She actually was personal friends with the closing man. It totals to my loss as {$11000.00}. Is there any recourse besides civil court I can take. It was all the money i had and now she has me blocked and no communication at all.I am devistated and broke. Isnt there some sort of elder abuse or misrepresentation orfinancial exploytation in this mess. I cant seem to get any help ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed