BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Contacted XXXX XXXX on XX/XX/XXXX about the " affected by natural disaster '' code that is coming up on my credit report. As of XX/XX/XXXX, I have resumed regular mortgage payments and the account is current. This request was denied on 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 2021-01-25
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:
Hi I have these inquiries listed on my credit file which do not belong to me. I have a credit freeze and an extended fraud alert on my credit file and all request for credit I should receive a phone call. 

These are fraud. I am unsure if the credit is opened or not. However I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My mom, opened a credit card with discover and maxed the card usage. She also authorized a credit increase by using my cell phone. My mom was able to open the account because we lived together and she knew all of my personal information. The account was opened under her email so she had access to it, I never used the card nor had access to the account online. I was able to find out by checking my credit report. Not only did I never make a purchase, I never made a payment either. My mom made all payments from her bank account. Majority of transactions are taken in XXXX ca which is where she lived starting XX/XX/XXXX, and I lived in XXXX XXXX ca. We did live together before which is when she opened the account. On XX/XX/XXXX, discover called my mom and she admitted to committing credit card fraud and took full responsibility for the debt owed. However, my mother passed on XX/XX/XXXX and a payment plan was never created for my mom with discover. My mom made all transactions, authorized a credit limit increase, made all purchases in a city I did not live at, had access from her own email not mine, made all payments from her bank account, and even admitted and stated she would take full responsibility with discover. However discover is still giving me a hard time on approving this credit forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Truist Bank in late XXXX after having seen a promotional bonus of {$400.00} for opening a new account, keeping it in good standing, and receiving 2 ( two ) direct deposits totaling {$1000.00} or more within the first 60 days. I opened the account under the set forth terms and met the requirements, yet still have not received the promotional bonus. I was supposed to receive this bonus no later than early XXXX, and I still have not received it. I have called the physical branch as well as the corporate phone number for assistance and have not yet received a fair resolution. I started making contact regarding this issue on XX/XX/XXXX. It is now XX/XX/XXXX, and no resolution has been arrived to.

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 2022-10-24
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:
It angers me seeing that the Credit reporting Agencies have been ignoring my requests for the removal of the fraudulent accounts and information completely from my Credit File despite the multiple dispute letters and CFPB Complaints that I have been submitting to the Credit Bureaus. The Credit Bureaus ' willful non-compliance with the Fair Credit reporting act section 605b, is a clear violation of a consumer 's rights! I took the advise from my legal counsel and we are now ready to file a lawsuit against the Credit Reporting Agencies. I am submitting this CFPB Complaint to the Credit reporting Agencies as a final warning that in the event the Credit Bureaus do not comply with the requests and fail to remove the disputed accounts and information from my Credit Report. We will be filing the lawsuit that we have been preparing. Under the provisions of the Fair Credit Reporting act section 605b, I am expecting that the Credit Bureaus remove the following fraudulent accounts and information completely from my Credit File as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Remedy resolve, correction of damages to my credit. These damages of fraudulent and incorrect filing on my credit report have been devastating to my life. I gave not give permission to any of these fraudulent claims reported, the address is incorrect, trans union reports eight late payments while XXXX reports 13 all from XXXX XXXXXXXX, the inaccurate fraudulent auto lone defaults need to be removed from my credit report. 
I do not consent 15 U.S. Code 1681s3 15 U.S. Code 1666b 15 U.S. Code 1679c 15 U.S. Code 1681i

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 2023-04-28
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just recently became a new Permanent Resident of USA for the very first time and was granted my Permanent Resident Status as of XX/XX/XXXX. I received my SSN Card in the mail 2 weeks after I arrived in the country which was again XX/XX/XXXX. The Issue date on my SSN is dated for XX/XX/XXXX, along with my Permanent Resident card that also confirms and states " Resident Since XX/XX/XXXX which is XX/XX/XXXX. That being said to my surprise I noticed a new Collection Account on my Credit Report that was placed on XX/XX/XXXX, for {$630.00} to XXXX XXXX, with the original creditor being XXXX XXXX XXXX XXXX and indicating the Open Date of this collection account is dated for XX/XX/XXXX. That being said seeing how I was only granted my Permanent Resident on XX/XX/XXXX and arrived to this country on XX/XX/XXXX. It is impossible that I was in the country last year XXXX. That being said. I tried contacting both the Collection Account and the Original Creditor ; the hospital and to my surprise, The name on the original Collection Account has an incorrect name to be mine. Along with an address that was indicated on the account for last year XXXX, which I never lived at. After several going back and forth with both the collection account and the original creditor, I was able to get the account number associated to this collection account it being ; XXXX. That being said I tried several attempts at speaking with XXXX XXXX XXXX Physicians Billing and the Collection Account American Collections and in ALL attempts I have not been helped in having this issue resolved. I also did want to mention that this collection account is also replicated on my XXXX, XXXX and XXXX on both my XXXX and XXXX. 

Please see the attached documents I have provided one of which includes my Permanent Resident Card that I received from XXXX which clearly indicates what I mentioned previously, Resident Since XX/XX/XXXX, which is 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 2022-10-24
Company: Experian Information Solutions Inc.
State: NY
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 : XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2022-10-24
Company: EQUIFAX, INC.
State: SC
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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$4800.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Sunday XX/XX/2023 I received 3 calls from XXXX XXXX. Someone had hatch into our account and made transaction with our Debit Card. The bank had to cancel that Debit Card. The Bank had to order another that should come in made within the next 2 to 3 days. Today XX/XX/2023 I open our email and I receive a email from my Bank, which is XXXX. It stated Major Derogatory Account. The company was XXXX XXXX. It was stated the New negative/major derogatory activity has appeared on your credit report. Bankruptcy and late payments are considered major derogatory information on your credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have communicated with them to see if I could negotiate my debt, but they have refused to come to a settlement and they are forcing me to pay the full amount. Right now, I have financial constraints and their actions have rendered me and my kids homeless. The agent threatened that I will never get this off my credit. Every time credit repair removes it, they put it right back. I think this is a violation of the fair credit act and I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The bank closed my account with {$2100.00} in it. I am a single mom of XXXX. They would not allow me to access my funds in a faster way. They would not tell me why my account was closed. I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We suspect XXXX XXXX XXXX and My Loan Care may be attempting to move high value, low interest mortgages to a separate service provider without ensuring the mortgagees have received adequate notice of the transfer, and removing the auto draft information from these accounts, in order to place the mortgages in default, call the entire amount due, and force the mortgagee to refinance at a much higher rate. Our mortgage had been with XXXX XXXX XXXX since just after we purchased the house in XX/XX/2021 ( {$1.00} mil, 3.4 % ). We set up auto payment and had perfect payment history. On Sunday my husband opened an email from XXXX XXXX showing our mortgage with My Loan Care ( a company wed never heard of ) and was in default. We did some research and saw that XXXX XXXX XXXX  had transferred the loan to a subservicer, My Loan Care. We received NO notice of the transfer of our account to My Loan Care. We have received letters from XXXX XXXX XXXX  monthly since setting up the autopay and disregarded those notices as we had Auto Draft set up. All the envelopes we received from XXXX XXXX XXXX looked identical to the previous statement envelopes we had received so we continued to discard those envelopes. We do not recall receiving any letters from My Loan Care. We did not receive any phone calls on this topic. We did not notice the money was not debiting because we keep a high amount in our checking account and the mortgage amount is diminimus. That same day, we attempted to create a username/password and login to the My Loan Care system. We received an error message and was unable to login. We also attempted to call the automated payment line and was told there was no automated service available on a Sunday. We contacted My Loan Care through a XXXX XXXX XXXX number and automated system. We set up auto draft and paid the amount. Despite us not receiving adequate notice, only 1 late fee was removed and the customer service representative refused to remove the negative reports on our credit reports without us sending a written letter. Additionally, when we asked why all of our personal information ( including our Social Security numbers ) was transferred to My Loan Care ( a service provider of XXXX XXXXXXXX XXXX ) except our auto draft information when we consented to such transfer of personal information in or original loan documents, a customer service representative stated it was " for our protection. '' We also spoke to a web services customer service representative who stated that we must " allow all cookies '' on our browser in order to log in to the website. We plan on contacting a class action attorney to discuss this situation.

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 2020-12-05
Company: Ability Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2022-10-24
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of XXXX : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : 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 2023-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
We received the attached letter dated XX/XX/XXXX indicating that Bank of America is closing our account. While they are within their rights to do so, they also indicated that they would continue to send statements as required. To date we have received no statements. When we tried to pay online, they had removed our access. We called and they told us that collections was in charge of the statements - our account is not in collections. We would like a convenient way to pay our bill online, just as every other Bank of America customer. More importantly, we expect to receive a statement every single month as Bank of America is obligated to do.

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 2023-02-03
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a Wells Fargo account in college XXXX. The account was set to not let me purchase something if I didnt have funds in my checking account. I had plenty in my savings but would need to manually transfer to my checking account. Wells Fargo still charged me overdraft fees- many times, even though I was not supposed to be able to overdraft.

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