BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  is continuously adding falsifying information to my report without validation. For example on case with CFPB  XXXX , a request to have fraud alert removed from my credit report because I am having trouble with things still being added without consent that any company contacted me.  XXXX  stated that they will remove the alert. Well on  XXXX   XXXX  I received an alert from a credit monitoring agency that something was added to my report. After contacting Transunion to ask what was added  XXXX  stated that they received an update from   XXXX   for an extended fraud alert was placed on my report. I also received in the mail from  XXXX  a letter that will be attached that I requested this information. This is false. I never requested the information to be added. I have not asked   XXXX   to represent me in no way shape or form. Your case above shows evidence that a request was placed to stop the fraud alert and they acknowledge. This goes to show this company is not trustworthy. Also I disputed several different items on my report and according the file that was sent to me by   XXXX    that the investigation was completed and the notes will show either " verified '', " deleted '' or " updated ''. Everything in the file #  XXXX  states consumer disputes or consumer disputes reinvestigation. Nothing showing anything was  VALIDATED not Verified but VALIDATED .  XXXX  is not trustworthy and adds items to consumers reports without consent or validation. I asked that the items in my credit report circled and notated be removed immediately from report and that  XXXX  contact the other agencies to have them update my information as well. Also please note that in  XXXX   XXXX  was sued by  XXXX   XXXX  when she was denied for credit and saw that information on her credit report was not valid. According to her case which is similar to mine in  XXXX  she disputed with  XXXX  about inaccuracies on her report several times including the time when they told her that her file was mixed up with someone else but she had to dispute the information. Currently this year  XXXX  and Transunion are currently being sued for misleading information to consumers. Again this is an example of this companies trustworthiness.

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 2022-10-13
Company: WELLS FARGO & COMPANY
State: AR
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:
I have contacted Wells Fargo to go over the reasons the account is not mine and I am met with disdain as they hang up on me and refuse to expediate this matter of importance.

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 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
UNAUTHORIZED THIRD-PARTY ACCOUNT ACCESS AND CONDUCT CONCERNS Bank of America has been providing my home loan mortgage account information to unauthorized third parties for years. During this time, XXXX the mortgage and service records associated with and related to my home loan mortgage account, the borrower Home Loan Modification Status iportal, the MHA HAMP, and the MHA HAMP TPP process have been mishandled, destroyed, withheld, and otherwise altered to my detriment. This conduct has been intentional on the part of Bank of America and is designed and implemented to coerce and harass through the use and employment of poor and deceptive practices as a matter of standard policy in and during the ordinary course of business with the intention to defraud borrowers of their home while violating written agreements including, but not limited to, the Deed of Trust. 
While Bank of America may hide behind the built-in, go to, standby, default excuse of individual representatives misconduct and their lack of knowledge and skills during and throughout any modification, workout, and loss mitigation processes, Bank of America has no excuses for allowing such conduct to continue and such open disregard for the various and applicable laws, regulations, guidelines, timelines, agreements and their own stated policies, procedures, and code of ethics ( assuming those ethics are in line with those regulated and governed by state and federal laws ). 
I have uploaded XXXX documents submitted with this complaint. I will submit at least XXXX additional documents to the CFPB under this complaint number once assigned later this date.

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 2016-08-01
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. The following account and inquiries are authorized and fraudulent : 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 Bank, XXXX/XXXX/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 2021-01-12
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I reached out to XXXX XXXX ( original debtor ) XXXX XXXX XXXX XXXX XXXX to ask why they sold a collection agency my information. They confirmed with me that the account at one point did go to collection due to an unreturned water cooler. They confirmed that the both the water cooler was rec ' and remaining balance was paid. The representative at XXXX waters said they would reach out to Credit bureaus of America and have them remove it. On XX/XX/XXXX XXXX confirmed that the information was sent to remove the collection account. On this same day I called CBA and spoke to XXXX XXXX. She advised that she will call and confirm the if that is true with XXXX XXXX. On XX/XX/XXXX I called and followed up with her she advised that the reason she had not called me back was due to XXXX XXXX not responding to her request to validate the debt owed. This was the last time I spoked to XXXX XXXX and as of today the collection account has not been removed. I have left numerous amounts of messages in the last 10 months for XXXX XXXX and she refuses to take my call or return them. Per CFPB guidelines if a dispute is submitted and they do not respond within 30 days, the debt is required to be removed. Collection Bureaus of America is not following those guidelines. I attempted to call them again today, spoke to a very rude and threatening man by the name of XXXX, he attempted to transfer me to XXXX XXXX and XXXX ( Lindas supervisor ) and as always, they are never available. I asked him to look into the matter and review the notes as I have been verbally and electronically disputing this account. Instead of helping me XXXX decided to hang up on me in the middle of my sentence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I would like the following information to be provided by my loan servicer, which is Bank of America : A copy of my Notice of Right of Cancel A copy of my Truth in Lending documents A copy of my Note My investor 's information as well as my investor 's modification criteria ( for example, how many modifications does my investor allow for the life of the loan ) If any of these documents are unable to be obtained, I request a full rescission of the loan. 
I applied for modification assistance, and have gotten nothing but notices over the last few months saying that I am being reviewed and I will receive a response within one or two weeks, ( the last was XXXX/XXXX/16 and stated next response will by XXXX/XXXX/16 ), but that final decision is never received. 
I demand to have a Customer Relations Manager who is able to review my loan for all options and have a decision with 30 days, which is a guideline that I know the bank already has in place, but for whatever reason they have failed to abide by. 

Thank you for your prompt attention to this matter.

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 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I disputed several accounts with XXXX and Transunion but they refuse to remove incorrect items. XXXX XXXX and XXXX bank had been on my report over 7 years and should be removed. I also disputed the late payments that I received for XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the month of XX/XX/2020 I called each creditor and explained that I was experiencing hardship and that I needed to lower my monthly payment as well as change my payment date. They all agreed and stated that I would not receive any late payments from XX/XX/2020 until now is long I made my payments on time, which I did. I disputed this many times, but XXXX and Transunion refuses to fix it. Also, it is still showing that I owe {$100.00} to XXXX XXXX XXXX and this has been paid in full already and it shows 11 charge offs which is incorrect. They also refuse to fix this. There is also 2 accounts on my report that doesnt belong to me. My report shows 2 accounts for XXXX XXXX XXXX  I never had a XXXX XXXX XXXX  credit card before, so this should not be on my credit report. They are not cooperating with me and I need help correcting information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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:
I have sent letters to the credit bureaus because I have inaccurate accounts that are affecting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was in a forbearance with Navient, and during that time, " late payments '' were still reported on my credit. This lowered my credit score tremendously! I received calls and email messages from Navient during the forbearance period to make a payment. I told them I was in a forbearance. The Navient representative told me that " not all '' of my loans were under a forbearance. I requested to have ALL of my loans consolidated so that various loans are not in different reporting stages. I never received the information to consolidate & they are still being reported as late. Navient is reporting several loans as missed or late payments on my credit. Also, the school that I had loans with is closed/ no longer an active school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, I also submitted a debt validation dispute letter to SIMON 'S AGENCY INC. via certified mail : XXXX pursuant to rights under the Fair Debt Collection Practices Act. See Exhibit 1 SIMON 'S AGENCY INC. failed to respond within 30 days of receiving my debt dispute letter which would have been XX/XX/2022. Now the disputed accounts are now deemed invalid. 

On XX/XX/2022, I mailed SIMON 'S AGENCY INC. a notice informing them of their failure to validate the alleged debt and that they were in violation of my rights under the FDCPA. See Exhibit 2 SIMON 'S AGENCY INCXXXX still failed to provide proof to validate the alleged debt. SIMON 'S AGENCY INC. never provided a Letter of Sales agreement, an assignment agreement from the original creditor and never provided a copy of the original contract with my signature on it for none of the disputed accounts. 

On XX/XX/2022, I reported the furnisher and the disputed accounts to the Federal Trade Commission via a Identity Theft Report report number XXXX. I then got my official identity theft report notarized on XX/XX/2022. See Exhibit 3 On XX/XX/2022, I submitted an Identity theft dispute to XXXX. I provided XXXX with proof that I previously been in contact with SIMON 'S AGENCY INC., proof of my identity, proof of my social security number, proof of address along with a copy of my notarized FTC Identity theft report. See Exhibit 4 Then on XX/XX/2022, XXXX sent me results XXXX weeks later stating " IF ACCOUNT WAS OPENED AS A RESULT OF IDENTITY THEFT, THE CREDIT GRANTOR MAY NOT KNOW HOW TO CONTACT YOU TO DISCUSS THIS MATTER. THE CREDIT GRANTOR REQUESTS THAT YOU CONTACT THEM DIRECTLY .... '' See Exhibit 5. SIMON 'S AGENCY INC. already knew how to get in contact with me. 

After failing to validate and verify the disputed accounts, SIMON 'S AGENCY INCXXXX has continuously attempted to collect the invalid and unverified disputed debts by reporting it to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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:
I am a victim of Identity. An individual opened a credit card account with Discover card using my name and social security number on XXXX of 2020. 

I filed an Identity Theft Report ( Report Number XXXX on XX/XX/2020 ) with the Federal Trade Commission. 

I have sent various letters to Discover Card XXXX XXXX, XX/XX/2020, XX/XX/2020 XXXX and have made various calls XXXX XX/XX/2020, XX/XX/2020, XX/XX/2020 ) In the above communications I have asked Discover for copies of the fraudulent application submitted by thief and various documents and records maintained by them at various times. To date they have refused to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a long time JPMorgan Chase Bank Customer, and enjoyed many accounts ( credit, checking, etc ) with the bank for over 10 years. 

On XXXX XXXX, I opened a joined account with my mother ( my mother lives in XXXX, OH XXXX ). Savings account Account # XXXX ; and checking account number # XXXX. Since I live in XXXX and my mother lives in XXXX, we were looking for a bank with locations in both cities. The purpose of these accounts was to assist my elderly mother with financial services. As part of opening a new account, Chase had a {$500.00} offer - 1 ). I was required to deposit {$15000.00} within the first XXXX business into savings and 2 ). to initiate a direct payroll deposit from my employer. If I was to satisfy these requirements, Chase promised to give me a {$500.00} bonus after 90 days.. At the time of the account opening my mother deposited {$200.00} into the accounts. ( {$100.00} into each account ). 

On XXXX XXXX, I deposited {$15000.00} into the chase savings account # XXXX. I also had my mother initiate her first deposit into # XXXX ( scheduled for XXXX XXXX ). 

On XXXX XXXX, I my mother received a letter stating that both accounts will be closed on XXXX XXXX - reason not given. 

On XXXX XXXX, I called to Chase call Center XXXX at XXXX XXXX to understand the decision to close the account. The representative informed me the a decision was made by Chase, the checking account and savings accounts are closed. There is no reason for this action. 

This action by Chase to close my account makes me feel very uncomfortable for the following reasons : 1 ). There appears to be discrimination against my mother, who is elderly and requires assistance with financial decisions. 
2 ). Chase refused to honor the offer of giving {$500.00} for opening the account. This is false advertisement. 
3 ). My mother and I are both foreign born ( something the personal banker opening the account asked me ). I feel like Chase closed the accounts because the personal banker did not want to have business with someone born outside of the USA. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
JP Morgan Chase through XXXX took {$2700.00} from my personal Account for a payment for a business I am not familiar with or have any knowledge of. The funds were not authorized to be taken and I disputed the funds and Chase refused to return the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have XXXX hard inquiries on my credit report. For both companies, I did n't apply for credit with them. 

These are the companies : XXXX, TX XXXX ( XXXX ) XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America ran the clock out. I had a Scheduled XXXX Sale XXXX/XXXX/16 On Tuesday XXXX XXXX Bank of America told my realtor they were going to have a new appraisal ; done because of new contract submitted. Bank of America also told my realtor XXXX XXXX they would request a postponement of the XXXX Sale to allow the Short-sale to complete. On Friday XXXX XXXX, 2016 I contacted Bank of America and spoke to XXXX XXXX Customer Care Specialist who informed me no request for postponement of the Sale was submitted. He then requested it and BOA denied. I also received a call on Monday XXXX XXXX, 2016 XXXX pm, I received a Voicemail from XXXX Compliance Dept BOA. I returned his call and left a detailed message stressing the urgency in needing a response. I also called 9 times on XXXX XXXX, 2016 trying to get help. I got no response. Finally after the XXXX XXXX Sale happened I received a call from XXXX on Friday XXXX XXXX,. 2016. I did all I could to prevent the sale from happening. BOA drug their feet. They accused the realtor of not submitting docs when they were. Basically BOA gave my realtor and I the run around At this point I am seeking legal help. Someone has to hold BOA responsible for unfairly treating homeowners in stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation