BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I have already filed an FTC report and my FTC REPORT # is : XXXX. Pursuant to 15 USC section 1681c-2 Block of Information resulting from Identity Theft ... XXXX and all sister affiliates corporations, XXXX and all sister affiliated corporations and Equifax and all affiliated sister corporations or XXXX XXXX XXXX XXXX XXXX XXXXXXXX must remove All inquiries, both hard and soft, off my CONSUMER REPORTS immediately. These fraudulent inquiries were not authorized, nor did I give consent or give permissable purpose to any of the furnishers. These consumer reporting agencies did not provide the method in which they claim has been verified. e-Oscar is an automated form of AI and it's a complete violation of my consumer privacy and has had a negative impact on my home buying process. They are non compliant with federal consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Siggi LLC
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: Old information reappears or never goes away

Complaint:
There are 3 accounts still on my credit reports from Omni Financial. I was told by a credit agency I can report them and they had a case open. It looks like the case was closed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bank with USAA and they are holding me liable for charges that i do not make. I have had my credit cards stolen over the course of a few months due to my negligence. I am the type of person to always forget something behind, with that being said, i still should not be liable for charges that were literally not made by me ( the cardholder ). Please look into this matter because they are charging interest, but i will not pay for fraud charges. I have called USAA fraud department numerous times to discuss the matter, i feel like nobody is out to help me. I don't even know if someone has access to my accounts due to me losing my wallet with all my personal information, giving them access to all my records. There is charges on the account that even say " afghan international ''. I am located in XXXX XXXX, Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Only on my Equifax report -they have my date of birth as XX/XX/1899 as well as my name. In the pass I did have my military id stolen and fraud did appear on all three of the credit reporting agency. I have submitted my driver License online and even online on their website. 

my name is XXXX XXXX XXXX and my date of birth is XX/XX/1978

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We were told that we would be able to do a recast of our loan one time when we first signed with XXXX XX/XX/XXXX. Since then our loan was sold to Freedom Mortgage In Indiana. I contacted Freedom Mortgage via phone on XX/XX/2018 to ask how i go about the recast. They recognized i was a VA loan and thanked me for my service, then proceeded to tell me that i would have to send in a check for {$250.00} for the processing fee. From there they would contact me back to arrange the payment. We sent them the check that was posted on XX/XX/XXXX. On XX/XX/XXXX i contacted them back since i had not heard from them they said i would have to wait. XX/XX/XXXX they contacted me back to tell me how to send the money and verify that it had to be a cashiers check. We did everything they asked and they cashed the check on XX/XX/XXXX. 
I heard nothing from them after that until i received a letter on XX/XX/XXXX Denying my recast. When i called them they told me it was their company policy not to allow recasts for any VA loans. Then then told me to send an email requesting the money be refunded since they had applied the {$250.00} to principle and left the {$100000.00} in an unapplied bucket. I was assured that the email was received while i was on the phone and told it would take up to 48 hours to return the money. 

On XX/XX/XXXX i had not received anything back so i called them again. they said they would have the money deposited no later than the XX/XX/XXXX and they confirmed my routing number to wire transfer it. On the XX/XX/XXXX i called them back again because the funds were not transferred, and they confirmed my routing number again and said they were sorry and they would have the money transferred no later than Thursday the XX/XX/XXXX. I waited until today XX/XX/XXXX to call again because no funds were transferred. 

I spoke to Employee ID # XXXX and was informed that they have changed the completion date again and i would be expecting the money by XX/XX/XXXX. I asked to speak to a supervisor and was told that Supervisor # XXXX was in a meeting and i should expect a phone call back by XX/XX/XXXX. 

This entire process is highly frustrating, every time i called before the money was sent they thanked me for my service and told me it was a VA loan. Yet they still instructed me to send in the money. Then they did not apply it and just sent me a form letter with no explanation of how to get a refund. When i begged for my money back i was told that it was easy and they would take care of it. Every time i call them they change the due date farther out and keep my money. This at best bad business practice. We have made on time payments every time and have done everything asked of us but yet we can not seem to get the money back.

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 2022-10-25
Company: Specialized Loan Servicing Holdings LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My state taxes was not paid and I got a letter stating its past due with fees.

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 2017-09-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have numerous banking relationship with Chase for many years including some Credit Cards, and auto loan. However, I was late on a monthly payment of {$59.00} XX/XX/2017. 

*I was XXXX XXXX XXXX ( attached Birth Certificate ) *I worked until the last 2 days prior to I XXXX  XXXX XXXX XXXX XXXX * I have enough money in the bank ( attached new address with proof of Fund ) *I also had moved twice during that 6 months period ( attached/proof of Fund ) *I had already notified Chase with my new address prior to my move. And I was late for my monthly payment because I did not received any monthly statement at my new address. 

Chase responded that they have no record of any address update request during that period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$500.00} XXXX  XXXX Balance Owed : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My student loan used to be serviced by ACS which became or was transferred to Conduent. When I try to log in their site to check my loan balance & related information, I get a response saying Conduent is not the servicer for my loan. I don't know who services my loan now ; the monthly payment is being automatically drawn from my account because this is how I had it set up with ACS, where are the payments going?

Company response to consumer: Closed with explanation
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 XXXX XX/XX/1994 XXXX XXXX XXXX XXXX, CA XXXX XXXX These account 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 Amount {$1400.00} Open XXXX XXXX XXXX  XXXX Amount XXXX {$900.00} XXXX XXXX  Amount {$990.00} XXXX XXXX XXXXXXXX Amount {$420.00} XXXX XXXX XXXX XXXX Amount {$670.00} XXXX XXXX  XXXX Amount {$190.00} XXXX XXXX Amount {$210.00} XXXXXXXX XXXX XXXX XXXX Amount {$1000.00} XXXXXXXX XXXX XXXX XXXX Amount {$1700.00} XXXX XXXX XXXX Amount {$560.00} XXXX XXXX XXXX Amount {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company has called my place of business and personal line in attempts to collect an alleged debt owed. Agents of XXXX XXXX XXXX on behalf of XXXX. XXXX failed to provide me with the address and or web page of the company.The company continues to use false, deceptive, and misleading representation or means in connection with the collection of a debt. 15 U.S.C. 1692e. Section 1692e. specifically states furnishes a nonexclusive list of prohibited practices, including falsely representing the legal status of any debt, 1692e ( 2 ) ( A ). Section 1692f prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. Congress... clearly intended the FDCPA to have a broad remedial scope. ( See : XXXX v. XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( emphasis omitted ) ( quoting XXXX v. XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Bleier & Cox APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt has been disputed -- with the attorney tring to collect the debt. I was soley an authorized user on this credit card. I am not personally liable for this credit card. This debt has not been verified with any original documentation from the original creditor showing that I am more than an authorizd user. Moreover, even if the same had been provided- the statute of limitations has passed for any debt collection or legal action. Thy are trying to deceive people into thinking they owe a debt- and scare them in to making payments. I have attached my dispute letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXXXXXX 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 explanation
Consumer complaint received 2018-11-30
Company: Experian Information Solutions Inc.
State: AL
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:
m writing this complaint as my second complaint against both XXXX and Experian credit bureaus because I have noticed a incorrect fraudulent bankruptcy that is reporting on my credit file within their bureaus and I have asked for them to dispute the information and to ultimately remove this information from my credit report. I have been informed by both bureaus that they have received their information from XXXX XXXX and they claim that they have verify this information. I have been in contact with XXXX and have recently discovered that my file is frozen and has no information to report as well as they have not had an inquiry done by these credit bureaus. I am requesting that they eat mediately remove the chapter XXXX bankruptcy that is reporting on my credit files with in their bureaus immediately. Power of the federal credit reporting act this is a violation and it prevents me from furthering my credit score which I am entitled to do as a consumer, my information should be correct and report it correctly, I should not have to fight with these barrels for over six months to remove something fraudulently when there is already a police report in my file.

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 2018-11-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Throughoutthelastfewmonthswehavehadawebsite(XXXX)withdrawanddepositlargeamountsofmoneyintoourbusinessChaseBankingaccount.Wehaveattemptedtoresolvethisissuewiththebank,withlittleluckorinformationgiventous.Thechargesbeganwitha"test"onXX/XX/2018XXXXdepositedXXXXintoouraccountandthenanotherdepositofXXXX.Twodayslater,XX/XX/2018,XXXXwithdrew$XXXXand$XXXXintwoseparatetransactions,thenXX/XX/2018theywithdrew$XXXX.AgainonXX/XX/2018theywithdrew$XXXX.AtthistimeweapproachedthebankandwerecreditedonXX/XX/2018,theamountsof$XXXX&$XXXXintoouraccount,onXX/XX/2018thedeposited$XXXX.(WeareunclearifthisCREDITwasmadebyChasebankorthewebsite)XX/XX/2018theChaseBankreturnedthefundstoouraccountonlytohave$XXXXbeattemptedtowithdrawonXX/XX/2018,thankfullywemovedourmoneytoadifferentaccountonXX/XX/2018.LastMondayXX/XX/2018thebankwithdrewallofthefraudchargesain.ThemostrecentwithdrawwasmadeXX/XX/2018wheretheytookout$XXXXand$XXXX.AfterthesetransitionsChaseBankclosedouraccountwithoutanykindofnotification,andwhenaskedareoutwardlyrudeandtolduswewerenolongercustomers.Thetotalnumberoffraudchargesequalsto$XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a claim with Bank of America that unauthorized charges had been filed on my account. They denied my claim in less than a week without looking into it. I sent in my ftc report and reconsideration letter and was told my claim would be resolved 45 days from XX/XX/XXXX. It is now past that time frame and now they are giving me the run around saying its a different 45 days and my claim still havent been resolved. My money is being held and Bank of America is violating my consumer rights.

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 2018-05-26
Company: EQUIFAX, INC.
State: NV
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 filed a dispute with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX about 5 items on my credit report. As of XX/XX/XXXX, I still have not received any results of the investigation from Equifax, and the items remain on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
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: Reporting company used your report improperly

Complaint:
Transunion is reporting negative information on my reports that I've never gave them permission to place on my reports and and asked them to remove them ; it was XXXX with account # XXXX, and XXXX XXXX XXXX account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or 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 items 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 BALANCE : {$0.00} XXXX XXXX XXXX ( Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXXXXXX BALANCE : {$2200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX 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