BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$50000.00}, {$11000.00}, {$8500.00}, {$5000.00}, {$1100.00}, {$260.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION -- 6. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XXXX XXXX i try to use my bank of america XXXX debit card today and found out that my account is closed due to fraud. right away i call bank of america waited for an hour a lady came on so i explained to her that im trying to use my card why is getting decline? she look up my information and told me she cant help me at all for me to contact my sponsor which is XXXX. so i call XXXX  and finally got through the guy told me nothing was wrong with my account otherwise they wouldve reach out to me. XXXX told me that bank of america was the one who closed my account.for me to contact them. so after that i call bank of america again. the lady that came on this second time was really rude. she hung up on me i dont know why, im just trying to figure out whats going on with my account why is it closed? i really need my money and need to pay bills. i call bank of america over a thousand times and each person would tell me something different. they gave me the runaround back and forth from bank of america to XXXX and back from XXXX to bank of america. i need my money out from the account asap.

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 2019-12-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon receipt of a complaint previously submitted to CFPB, the company in question re verifying the validity of a debt, the original creditor XXXX XXXX XXXX XXXX submitted two exhibits : one being the admission information sheet with incorrect SSN information, and the discharge summary with itemization of charges and transactions for four days of inpatient treatment. 
As previously explained, the two submitted exhibits show a social security number that does not belong to me, please see attached. They also show that patient is an OP, or outpatient under the patient type that was in fact in care of the hospital for four days. 
The latter statement is in direct contradiction to the second exhibit which is the explanation of charges. Was this patient in the hospital or at an office visit? In this item, also attached, the service provider claims that the OP, outpatient, was in fact in their treatment, in the urgent Emergency Department for a period of four days from XX/XX/2018 to the discharge date of XX/XX/2018. 
One would hope that in four days, the attending ER DRs may have asked the admitting department to get accurate patient information for billing such as the right social security number and employment information and to properly demonstrate what the diagnosis is as to be able to fill out all the missing data in the admission sheet such as the chief complaint and other information. Four days would have also allowed for absolutes with regards to the identification of this patient in their care and to in fact have a very large file re patient care. 
Two pieces of paper produced at the request of CFPB show all the inconsistencies that fail to prove that this debt is valid and in fact is truthful, accurate and mine. For these reasons, I am submitting the continued request that this be removed from collections and from the credit bureaus.

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 2017-04-21
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Loan #  XXXX  To Whom  It May  Concern : I reside at the property listed above, which is my primary residence.   I 'm experience difficulty with financing and the loan company of following through with hardship, I submitted a resident application mortgage included my Documents and pay stubs, on  XXXX   XXXX  ,2017 which  I received a denial letter on  XXXX   XXXX     2017, Bas e ' on the income was receiving was to high basically I made too much they quoted. On  XXXX   XXXX   2017 I g ot a phone call from my job explaining to me that the company I was contracting for did not extend my contract and I was now out of a job, but was grateful to gain another job for less money, So I reapplied another resident application to Ditech again with the standard documentation they needed on  XXXX   XXXX     2017, I r eceived a letter in the mail stating that they did n't get the income documentation part, I called ditech and explain to the customer service rep that I just started a new job and I do n't get a paystub or letter of employment not just yet but I do have my Proof of my  XXXX  documentation that show the amount I get a month of  XXXX  a month, they understood and told me to submit the document to them, On  XXXX   XXXX   2017 I calle d Ditech on  XXXX  to check the status and yet again it was denied I ask how did they determine the status they replied base on my  XXXX  and paystubs I never send them any paystub, so I was declined base off a faults information before I could explain it the situation they over talk me and hung up I waited on  XXXX   XXXX     2017, and  called Ditech back and got another customer service rep and I explain to her about the denial letter and she told me to write them appeal letter explaining everything I just explain to her and fax it over which I did submit the letter including a copy of proof of  XXXX  and my start date, rate and hours of my now employment .I waited fo r 48 h our and called back on  XXXX   XXXX     2017 to  check on the status of my appeal and the customer service rep told me that my the appeal was denied I ask why he said I did n't have no rights to appeal thank and bye and now all I get is a answering machine now. Please review my application I do n't believe I was reviewed for a loan Mortification properly.   I am schedule for sheriff sale  XXXX   XXXX ,    2017 Thank  you for just take the time to read this, hopefully I can hear back from you, my Phone number  XXXX  if you have any questions..   .    Sincerely Yours

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: CarMax, Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Can not make car payment online or over the phone when I tried to make payment on  XXXX  .2017. Got this m essage when I tried to make payment.     Sorry, you are unable to make a payment at this time.   You can not make any checking or savings account payments at this time. Please call Customer Service at  XXXX  to have your account reinstated.     I have called them several times about this issue and even when I tried over the phone it did not allow me to do so, it just cut me off.     The las t 2 p ayments have been made over the phone and tonight it would not allow me to do so. I have repeatedly asked them to fix the online tool and still has not. These people are CROOKS! I am over this entire fiasco with them and also have decided to report them to the Attorney General and also seek advice of legal counsel as they have continued to violate me as a consumer with illegal tactics!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: DISCOVER BANK
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Discover is being strange and aren't doing there job correctly, I have file a dispute twice and they fail twice they are putting the incorrect information twice and have told me that they transaction was valid which we are know that i'm disputing against XXXX that because they have only credit me half of my returns when i'm waiting on my other half of the returns of credit and discover doesn't understand what is going on who did they hire to do these kind of jobs???? they only care about taking our money becareful people not every human being are nice ... ... 

give back my money and I have uploaded all of my documents what else do you need!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
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:
The company Equifax decided to not only " investigate '' the incorrect item, they've made no attempt to contact me by phone or email, and just today decided to drop my credit score 30 points in what looks to be retaliation for filing a complaint with the government. There is literally nothing in my report that would warrant a 30 point drop. I havent made any late payments, and havent applied for any loans, nothing. 
My phone number is listed, there has been no voicemails of any kind nor emails to the email address provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I spoke to a rep in the special handling department and I informed her that it was  XXXX  different social security numbers reporting on my credit report which are not mine. She informed that those socials was tied into  XXXX  accounts which is not mine! I 've sent experian faxes to prove my identity and they still wo n't remove those accounts from 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 non-monetary relief
Consumer complaint received 2017-04-21
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Experian reports an open account on my credit report, that I am not aware of. The only information that I have is that it is most likely  XXXX , address only,   XXXX   XXXX    XXXX ,  XXXX   XXXX  South Dakota,  XXXX . I never had a citi card, only have  XXXX  credit card now, and it is not theirs. It is impossible to talk to a human at experian, and I could get no other information. Not even a telephone number. On the experian report, it shows as open.

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 2017-04-21
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Optimum Outcomes, Inc is in complete violation of the FCRA, HIPPA, and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I never established a contract with this company and they have no validation that I owe any debt to there company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was doing a counter transaction at my bank when a sales rep approached and solicited me for a new credit card with a 5 % cash back for gasoline. I decided to consider the offer, but before all of my questions were answered about the card, such as if the deal was promotional ( which it was ), the account was opened without any written disclosures or my signature, all occurring in about 5 minutes. I was not told this was a promotion and the rep said she could not stop the opening of the account, but I could accept the card, use it once and then close it. Clearly, this rep would only be compensated if I used the card, which I will not do. I was able to speak to a telephone rep who told me she could not close the account because " the card number is not fully built yet. " I would need to call back next week. 

It is next week and my efforts to close the account were unsuccessful due to wait times for a rep on the phone and on their chat platform of over an hour. The account remains open.

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 2017-04-19
Company: First Data Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had written a check on  X/XX/2017    an account that is not used frequently. This check was returned and I received no notices advising that it was returned nor was it reported t o TELECHECK. When atte mpting to make a payment for daycare, my payment was rejected by TELECHECKand no reason was given. After discovering this, I was advised to call  TRS Recover  Services to get further information.     Upon Calling them, I was advised they were a division o f TELECHECK and th ey want to collect on the debt that they paid on my behalf. Having to get this cleared, I advised them to I would pay at that time  (  X/X/2017  ) t o get everything straightened out. They advised that the check will be redeposited that night and there was nothing I could do. I ensured that the funds would be available and the check cleared on  X/XX/2017   . Thinking that my ability to write a check would be restored in time to make by daycare payment, it was again denied due to the fla g in TELECHECK. I c alled TRS and they advised that it takes 14 days for the payment to post even though they have recieved my funds. This delay has adversely effected my ability to use checks and inconvenience of having to pay cash or money order for bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
they say not information about me.when I am disputing an item and notorizing it and send it to then to its me send it.they wait 30 days and send a delay letter after another delay letter.

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 2017-04-21
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient student loans calls us  3x a  day everyday of the week because our son is behind in his loan payment they do n't need to harass this much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have been disputing Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX with TransUnion LLC since the end of XX/XX/XXXX. The account in question does not belong to me, this was opened without my permission and is a fraudulent account. I've disputed this account over a dozen times and I receive no real resolution. TransUnion LLC has deleted this account form my report multiple times and keeps on re-inserting it without due notice. This action violates the FCRA under illegally re-inserting accounts back into a credit file without following the instructions completely. I have done everything that can be asked of me in order to permantely remove this account from my file. I have submitted the following documents. A Police Report, FTC Identity Theft Report, a previously filed CFPB complaint report filed against XXXX XXXX XXXX XXXX and TransUnion LLC. copy of my bank statement showinf that these funds did not go through my bank, copy of my cell phone bill showing that the phone number the bank has on file is not mine, copy of my email account details showing that I have been using the same email address since the XXXX 's and that it doesn't match with the email address that the bank has on file. I also provided a photo of my computer screen, showing my ip address and that it does not match with the ip address that the bank has on file. All of this evidence that I have provided XXXX XXXX XXXX XXXX and TransUnion LLC with should clearly show this account doesn't belong to me and was never opened by me PERIOD... I have also filed a complaint against XXXX XXXX XXXX XXXX and TransUnion LLC with the FTC. I find this whole process very frustrating and pointless. I have submitted the same exact information to the other XXXX credit bureaus XXXX and XXXX. They both have deleted this account form my credit file months ago with no extra effort or drama. I don't understand how a company can be so unprofessional, unhelpful and not willing to work with their consumers and resolve an issue that their other counterparts seem to have no issue in resolving?? Why does this credit bureau exist if they can't even resove something that is their job and that clearly XXXX other companies that they work with have already resolved and in record time may I add???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I secured a home mortgage in XX/XX/XXXX with a mortgage company affiliated with XXXX, which dissolved in XX/XX/XXXX. In XX/XX/XXXX, I stopped paying the mortgage as I did n't know who held my mortgage.In XX/XX/XXXX, XXXX claimed to hold the mortgage and brought a foreclosure suit. On XX/XX/XXXX, a XXXX County Foreclosure Court Judge dismissed the case as being without merit. Now, WELLS FARGO HOME MORTGAGE and its servicing company, AMERICA 'S SERVICING COMPANY, put themselves on all my credit bureau reports as the same mortgage holder for the same XX/XX/XXXX mortgage.I disputed the credit bureau reports in XX/XX/XXXX and those XXXX companies refused to remove themselves from my credit bureau reports. Can you please help me rescue my credit bureau reports as it is ruining my professional career with 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 2017-04-16
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
LVNV has added a collection to my credit report that is not mine. I have not had a late payment on any account since XX/XX/2010 so there is no account that would be reporting late. This is a debt for over 3k that is not mine and I need deleted ASAP as I am trying to buy a house and I have zero late payments on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX I received two calls, back to back, that popped up on my caller ID as NAR. 
When I answered the second call, they introduced themselves as calling from XXXX XXXX XXXX XXXX. 
I confirmed no business with said company and asked the reason for the call. 
Once I verified my name, they switched their identification to North American Recovery. 
They called again, twice in row on XX/XX/XXXX, and contacted my spouse twice in a row. Unfair collection practices identifying themselves as another company, and placing continuous calls.

Company response to consumer: Closed with explanation