BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: OH
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:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: AR
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When I first applied for assistance, after my COVID forbearance had ended I was not in foreclosure. I sent my documents in on XX/XX/XXXX. 
I resent the documents directly to my relationship manager on XX/XX/XXXX. He was very helpful and emailed me right back confirming receiving the docs on XX/XX/XXXX. ( see attached email record ) I called in to see if my package was complete and I was told to send in additional documents, which I did on XX/XX/XXXX ( see attached email record ) After submitting the corrected XXXX XXXX XXXX additional Bank statements, and my Tax Return extensions on XX/XX/XXXX, I called in and was told that I needed to send the same documents in again. On XX/XX/XXXX I did AGAIN and included an explanation, to help with any confusion. ( see attached email record ) Again, I called in, again I was asked for additional documents, that I had already submitted, so again on XX/XX/XXXX I sent them in. ( see attached email record ) When I called in again to check on the status, I was told that the SAME documents are missing, but that now my loan was in foreclosure. 
I am now resubmitting the package and the missing documents AGAIN, which I was told to do before a sale date was scheduled. ( see attached email record ) I am worried that I will continue to go back and forth with the same documents requested and the same sent in over and over until there will be a sale date and I will not be able to save my home. 

To complicate and delay things further, the hours listed on the application are not the correct hours that they are open, see attached. They are open until XXXX, but on correspondence, it says XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been trying to delete and explain my case to the credit bureau for a while there trying to make me pay for a bill that was paid by XXXX and have placed it on my credit and when I try get information on this account they are very rude and tell me that XXXX paid the hospital and not them when I went to the hospital Im not understanding this at all in everybody I contact is 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 2020-06-21
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX customer service lacks integrity. The company really only understand money. On XX/XX/2018 a phone service was issued in my name by XXXX. Upon noticing the bill over a month later. I called them trying to find out what I supposedly had ordered and tried to shut it down. What I encountered was a ridiculous policy that does not allow customers to access their account if they don't know pertinent information. I did not know the information that XXXX needed besides my social and account number listed on statement. They needed passwords and the numbers off of products they supposedly sent me. I did not have possession of those items therefor I could speak on behalf of that account. I tried again by speaking to someone else and I was told that if I take my identification into the store I could be assisted with the account issue. I visited XXXX XXXX XXXX store in XXXX NJ. I encountered the same issue. I was told that the items sent to me had to be set up and therefore link to my identification, it was some sort of foolishness that didn't make much sense to me. The teal issue was that I did not have time to deal with this because I was working to full time jobs. I had no time to really spare to resolve the issue. Once I had time again I was told by a XXXX representative that I would be sent an identity theft form to take to a law enforcement office nearest me. I absolutely did not have time for this. It was their own policy that did not allow me the due diligence to properly understand why I had a bill summery coming in my name to my address. I wanted to know what identity was used to open an account with them and also where was my signature on a signed document. To this date I have not seen validity or verification from XXXX nor I C Systems Inc. The final bill summery from XXXX had a total charge of {$210.00}. Naturally, after I refused to pay, XXXX   eventually turned the bill into a collector. That collector, I C System Inc. put the negative, erroneous information on both XXXX XXXX and XXXX  credit reports. Yes, I did not answer I C Systems attempts to collect the debt. One reason is their unfair debt collecting practice. I immediately noticed that they were asking me to pay a higher amount then XXXX posed that I owed them. Their collection amount is {$260.00} that you can see in the attachment. In the state of NJ it is illegal to collect any amount greater than the debt. Enclosed you will also see the last billing amount from XXXX but the copy is in bad shape ( please excuse. )

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 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A transaction was made on XX/XX/2021 to a user named $ XXXX via the app XXXX in the amount of {$280.00} for goods I had purchased. A second payment was sent on XX/XX/2021 in the amount of {$20.00} for shipping costs related to the first transaction, however that second charge was disputed with my bank ( Bank of America ) and resolved. The other transaction was not. 

The person I made the transaction with used an app called XXXX to list fake items to sell. I had purchased a necklace from them not knowing it was a scam because they had used photos of another person 's listing illegally. They then proceeded to contact me under the XXXX XXXX XXXX and now XXXX and tell me they can not use XXXX to process the payment and insisted on XXXX. Thus, I made the transaction. After a few days I kept inquiring about the tracking number to no avail and they made excuses as to why they could not ship said item. Suddenly the account disappeared and all contact with the merchant was cut. I immediately requested a refund on XXXX which was rejected. Since I had no other choice I filed a dispute with Bank of America to which they responded that I can only directly contact the merchant to get my money back. I'm not able to do this since I have no personal information of this scammer and this was a fraudulent transaction. I did not receive the goods purchased and was scammed into sending money via the app XXXX because there are people conducting fraud on it. 

My dispute to BOA was submitted on XX/XX/2021. It took them over a month to respond to my claim. Bank of America had me to believe that they were reaching out to the merchant 's bank and that they would reach out to me on my end to describe the situation and provide documentation but after over a month they randomly closed my case with no support. 

I reached out to a XXXX  named XXXX through XXXX XXXX 's support and she stated they are unable to cancel or refund the payment and that I'd need to resolve the issue with the recipient of the money directly. I stated once again I'm unable to do this. It was very unhelpful and I'm reaching out to the CFPB to step in and provide some resources to get my money back to the rightful source and to make sure this person stops scamming people because they could still be listing items to get people 's money. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 i was reviewing my credit report and seen some accounts that did not belong to me. One of those accounts was from Capital one auto finance account number XXXX i have never opened this account and have never authorized anyone to open it using my personal information. I contacted XXXX  and sent them my police report and identity theft victims complaint and affidavit signed by the XXXX XXXX Police department to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hello all 3 of the credit bureaus have been incorrectly reporting, and denying me investigations into late payments that are on my credit report. I have made all payments on time. The two accounts are XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX. See attached photo. These companies are in bed with each other, and are damaging consumers. I have paid all on time. I paid on time even though XXXX XXXX XXXX XXXX  has made it clear that it is not interested in banking for African Americans including safe deposit boxes and accurate credit reporting. I believe they are all doing this to hurt African Americans. XXXX XXXX XXXX XXXX  and the credit bureaus are 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 2019-12-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In late XXXX, I filed a dispute with my bank for a debit card charge. The amount was credited back to my account, only to be reversed a month later, overdrawing my account. When I called about it, I was told that they needed additional supporting evidence to file the dispute. I sent that in, and the money was again credited back to my account. 

Last week, to my horror, the credit was suddenly reversed again and overdrew me. I called about it, and was told that it was past the window to file a dispute. I pointed out that I filed in XXXX, and was then told Yes, but we didnt have all of the supporting documentation we needed. I insisted that I then sent them what they needed, and was told that while the information I gave them was valid, it was now past the window to file a dispute. I pointed out that they credited back my funds a second time, and was told verbatim Yes, but then later we realized that we were past the time frame and took back our credit. 

This entire situation has caused me on immense amount of emotional and physical duress, and the bank has been extremely hard to work with. The bank in question is Wells Fargo.

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 2022-05-02
Company: EQUIFAX, INC.
State: IN
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:
15 u s c 166b a creditor may may not treat a payment on a credit card acct under an open end consumer credit plan as late for any reason.

15 u s c 1681 sec 602 a i have a right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT ALL PSTED LATE PAYMENT WHICH I DID NOT HAVE. WOULD LIKE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe I'm being defrauded of my property. Telephonic attempts have been denied and a late fee was added immediately upon their loan takeover even though their lack of preparedness caused them to be unable to take a payment because they could not find my account. They've denied me a loan modification telephonically. So I am now restricting communications to written communication. I believe they are a predatory company fully intent on defrauding me of my property. I don't make this accusation lightly, but based on their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Online, I temporarily lifted a credit freeze from Experian to apply for a credit card. The card issuer said that I need to provide a PIN. The only PIN I have is the XXXX to my account/lift the freeze, which I'm not giving out to the bank. I can't redisplay the webpage to get the confirmation page to view a PIN ( if any ). I called Experian, and went through their entire phone tree, but none of the choices applied, and I could not figure out what to say to get the automated assistant to send me to a live person. She ( the recording ) even said that she was only authorized to transfer callers under very specific conditions, which she would not list. My complaint is that their phone system is absolutely set up to keep callers from reaching a live person. A company with such power, and with a history of settlements for misleading practices, should not be allowed to avoid customer issues so effectively.

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 2022-08-04
Company: EQUIFAX, INC.
State: FL
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, a Consumer, have been a victim of the Equifax data breach, and have been recently affected by the false and inaccurate information on my credit report. Pursuant to 15 U.S. Code 1681 ( b ) I demand that my consumer report accurately reflect proper information. I have previously disputed the inaccurate accounts reported by Equifax in collections as of XX/XX/2022 from XXXX XXXX XXXX in the amount of {$1600.00} and XXXX XXXX XXXX in the amount of {$800.00} which are also reported as closed but have not been removed and are still reflected on my consumer credit report. There are two inaccurate charged off accounts with XXXX XXXX XXXX in the amount of {$800.00} and XXXX XXXX in the amount of {$570.00} reflecting which I have also previously disputed with Equifax. There are also inaccurate addresses reflecting that I did not consent to. These inaccurate reports have been damaging to my reputation and confidence as a Consumer. Equifax has failed to exercise their grave responsibilities in assembling and evaluating consumer credit and other information on consumers with fairness, impartiality, and a respect for the consumers right to privacy. There are numerous soft inquiries inaccurately reported that I did not give Equifax permission to furnish on my report and directly violates my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2020 or my company account. 
I want you to know that I understand and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I had to file for a Chapter XXXX Bankruptcy XX/XX/2020 of this year. My bankruptcy was rightfully discharged as of XX/XX/2020. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 
In the near future, I am planning on applying for Auto Loan, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.

In my heart, I know that the missed payment doesn't reflect my  creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment ( s ) on XX/XX/2020 from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 

Have a blessed day!

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 2022-05-02
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
Hello this is my second complaint against Chase at this point. CHASE IS NOT listening to me about my dispute. I am not disputing this credit card, I know this is my account, I am disputing charges on this credit card that I did not make. Yes I have made payments on this account because this account is mine. I AM NOT disputing the account I am only disputing charges that were made without my consent. I am attaching the latest communication I received from Chase in this complaint. THEY ARE NOT DOING WHAT I ASKED AND THEY ARE NOT LISTENING TO ME. I need them to refund my money on the purchases I did not make. Please review this dispute again for the fraud charges on both my chase cards. I do not shop at XXXX I do not eat at XXXX, I do not use my phone to pay for things at XXXX. I did not make these purchase on my credit card. Please do another dispute investigation for these fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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: Account information incorrect

Complaint:
There is a fraudulent collection on my account. I asked them to remove it three times already and the last time I asked was XX/XX/2021. There response was it falls under the fair credit reporting act. I have the original document from the creditor I obtain from a lawyer and it has different address, payment amount, name and phone number then whats on my credit report. I submitted new documents and they used a report from earlier in the month to justify the new document I provided.

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 2021-03-31
Company: Persolve, LLC - Legal - Series 2
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PERSOLVE is claiming that I owe them {$17000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation