BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A few months ago, I received a voice message apparently was about my Barclay Credit Card. I returned their call to clarify the matter, but the person I talked to started to ask for my personal information including my SSN. Knowing that I do n't have any credit card with Barclay, I readily said that I am not giving any information about myself because I do n't have any credit card with Barclay and I have no intention of applying for XXXX. 
I continue to receive phone calls from them in which I did not pay attention for obvious reasons. Until I heard another voice mail that it was now under fraud investigation. Out of curiosity, I again returned their call. When I asked about the fraud investigation, the guy again started to ask for my personal information which I refused. I told him that I do n't have any credit card issued by Barclay and if there are applications under my name, they should not approved them. 
On XXXX XXXX, 2015, I received a mail from certain XXXX XXXX dated XXXX XXXX, 2015 informing me that their investigation has concluded and the fraud claim has been denied. That, I will be responsible for the payment on the account as well as any applicable associated fees and finance charges. I immediately responded to XXXX XXXX on XXXX XXXX, 2015 informing them again that I did not apply for any Barclay cards and have no intention of applying for XXXX. That I will not be responsible for the payment of any account relating to any Barclay Cards for it is obviously fraudulent. 
When I was checking my credit score yesterday via XXXX XXXX, I was so upset to learn that I have a past due account with Barclay amounting to {$1700.00} which is now XXXX days late with XXXX missed payment and at 86.15 % credit utilization. Apparently, the account was open last XXXX XXXX, 2015 but was just recently reported to the credit bureaus. This account was only added to my credit report after my last update on XXXX XXXX, 2015. 
I immediately filed disputes to all XXXX credit bureaus about this account. This fraudulent transaction had significantly affected my current credit score. Thus, this complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Transunion has a habit of ignoring fraud information. Fraudulent inquiries were submitted using a false address that I did not belong to mi. And they refused to delete the hard inquiries and dispute the companies solicitation practiced on or around XXXX XXXX, 2015 today I spoke to Transunion Speciality Handling dept Supervisor and had the call recorded as I gave her several CFPB reports regarding the false address information. I asked for thier legal dept to call back and she hung up. For the last time I informed them that it is illegal not to investigate and dispute fraud inquiries. I am a government XXXX member & never signed anything asking the agency for a loan. No where did I sign application or ask for a single dollar from any affliation and I want total immunity. I am tired of Transunion illegal practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing this as a formal complaint against Equifax for not investigating and removing the errors and inaccuracies from my credit report. Equifax has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Equifax and help me get these resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On or around XXXX XXXX, 2016 identity theft and fraud claim was reported on a checking account in which I am a joint owner. Both myself and the other account owner made a report. In addition to the verbal report to USAA on XXXX XXXX, 2016, a police report was filed on XXXX XXXX, 2016 and a copy was provided to USAA. 

During the course of USAA 's investigation, USAA has frozen all accounts in which I was a sole owner, preventing me access to my money, and by locking me out of online account access, USAA has prevented me from updating other products that I have, i.e. Auto & Property Insurance, Life Insurance and investments. Furthermore, USAA sent a notice requesting that I pay {$12000.00} in overdraft fees in which I am not liable according to USAA 's Terms and Conditions. 

USAA 's policy states that account holders have 60 days to report fraud. The report was made well within the 60 day timeframe. In addition to the verbal report, the debit card associated with the account was reported as lost about a week prior to the fraudulent activity being detected. The {$12000.00} is excessive and goes against USAA 's written policy regarding fraudulent charge reporting. The investigation into the matter was opened on or around XXXX XXXX and as of XXXX XXXX, I have not received any information or updates about the findings of USAA 's investigation or how USAA came to the conclusion that the account holders were liable for the {$12000.00} in overdraft charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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 purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi tems In XX/XX/2022, I plan to book a hotel through Chase portal, after I finish the process and click the payment, the portal shows a page that need me to sign in again. so I have no idea whether or not I successfully paid, also, I forgot about my username so I have to close the page and back the Chase App, once I sign in the app again, I have to open the chase portal and there are no record about my previous booking, so I have to go through the booking process again, this time after I click payment, it shows I successfully paid ; In next day, I see that there are two exactly same payments in my transaction, then I know that my first booking is successed, so I ask Chase travel advisor to cancel my first booking, but since the hotel is NON-REFUNDABLE, so I have to ask them to contact to hotel and express what's going on in my end, I send this request in XX/XX/XXXX, and the Chase spend a week and there were no response. So, in XX/XX/XXXX, I give them a call again and they said that the hotel refuse to refund, I ask Chase what's your decision, and they said that their final decision is they won't give me any refund because they don't have system error. However, I never said that this is a " error '' during my booking process, the reason that caused the problem is that their Chase XXXX 's session is ended too fast, just right after I click the payment and the session is ended and I have to go through the booking process again, as a customer, I don't have knowledge about what's going on right after I click the payment since there are no page that shows my booking is success, also there are no payment records in the transaction at that moment ( the transaction record that shows my booking history is in XX/XX/XXXX ) so this system design is totally misleading, so my first booking is totally without knowledge. In the other hand, I think a hotel shouldn't have a NON-REFUND policy since a booking might caused by many reasons, since my first booking is totally caused by misleading, I believe the hotel should help me cancel this payment or this will be very unfriendly to customer. 
So, right now, I really hope some one can stands by customer 's side, and help me get my refund back. 

Hotel name : XXXX XXXX XXXX XXXX Credit card company : Chase Travel advisor : XXXX XXXX called her in XX/XX/XXXX XXXX pst ) Trip id : first booking ( that I booked without knowledge ) : XXXX second booking : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-19
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax, XXXX of the XXXX credit reporting agencies refuses to remove outdated information regarding a chapter XXXX dismissal that has been over 7 years. The XXXX other credit reporting agencies ( XXXX and XXXX ) has already removed this item. Equifax claims that their policy is 10 years for non-discharged OR " non '' dismissed bankruptcies, however I believe that several of their employees is not reading their policy correctly due to the writing of this policy. The outdated information on my Equifax report shows a Chapter XXXX that was dismissed in XXXX XXXX, 2007. It has been almost 8 years and still showing only on my Equifax report. There should be no reason why they can not remove it as the bankruptcy filed was never adjudicated. There has been indication that a handful of people have been able to successfully remove this same issue and it seems like it depends on the Equinox personel working on the case. Why is it so inconsistent and the company does n't seem to communicate their company policy with every employee. I have failed XXXX already so it seems like my luck is not on my side. Please help! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, 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: 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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I just received my investigation back from TransUnion. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( I ) ( 7 ). Because the account listed is not accurate, the docket number is invalid and TransUnion has not updated their report since XX/XX/2021. This account is not reporting 100 % accurate. ACCOUNT NAME : XXXX BANKRUPTCY/ DOCKET NUMBER : XXXX. 
TransUnion did not modify or delete the inaccurate information on my consumer report, nor did they send the results of their investigation according to 15 USC 1681i ( 5 ) ( A ) ( i ). 
I attached a consumer report as evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 homeless n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 2016-06-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I requested income based repayment. I received a subsequent notice that my account was in deferment until XX/XX/XXXX16. Then on or about XXXX/XXXX/16, I received a notice that my payment of around {$460.00} was due on XXXX/XXXX/16. On XXXX/XXXX/16, I faxed a letter to Navient asking why the payment date changed, I received no notice and they did not consider my {$100.00} on another Navient managed loan or my exceptional health expenses. 

I received multiple responses from Navient indicated that they would respond within 10 days. I did not receive a response within 10 days. Rather on XXXX/XXXX/16, I received a notice that my payment was late and they were providing my notice of potential default. 

Essentially, Navient is disregarding my efforts to make payment arrangements, however they right on " the ball '' when it comes to ruining my credit. To make matters worse, they do not provide an email. The only way to communicate with them is to either fax them or call them. As an attorney, I avoid verbal communication at all cost because it always results in a he-said she-said.Of course they record it and use when it helps them, but when it does n't, they will deny the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
The following has been submitted to Bank of America VISA credit card disputes department. XXXX duplicate {$77.00} charges and XXXX {$82.00} charge were made from XXXX XXXX XXXX in XXXX on XXXX XXXX, XXXX. The {$82.00} charge was correct but the XXXX {$77.00} charges were a mistake. The paper was jammed and the charges were submitted three times so another charge was made at the restaurant bar for {$82.00} ( {$5.00} was added since XXXX person did not qualify for the XXXX discount ). On XXXX XXXX, XXXX I had asked for the XXXX {$77.00} charges to be refunded but only XXXX was refunded. In XXXX XXXX and again in XXXX XXXX I called about not receiving the other XXXX refunds but nothing was done. I called again XXXX XXXX, XXXX and was asked to write a letter because the agent " could n't do anything about it since it has been more than a year ''. The reply to the letter and a phone call to Bank of America credit card billing disputes department was that they could not see the statements as far back as XXXX XXXX and therefore the case is closed. I pointed out that a statement is being mailed to me so why could n't they see the same statement. The agent asked his supervisor and was told that the case is closed and I would not receive my refund. I have been a customer with Bank of America since 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 monetary relief
Consumer complaint received 2022-10-21
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The following Account is in violation of the FCRA. 
Account name : SANTANDER CONSUMER USA This account is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) The creditor reporting this inaccurate account failed to notate this account was in dispute within 30 days. 
In accordance with the fair credit reporting at XXXXXXXX  account, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: The CMI Group, 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:
This company has violated my consumer rights by sharing medical information on my credit report. 15 usc 1681a ( 3 ) ( a ) ( b ) ( c ) clearly states that medical information should NOT be shared on my credit report. I lost my XXXX  year and I have been having a hard time trying to move out of the house that we shared together, however, I am force to stay with the memories. I will be reaching out stating my demands if this is not removed my my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29
Company: Servis One, Inc., Titusville, PA Branch
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX. I own a home at XXXX XXXX XXXX XXXX XXXX XXXX Texas this house was bequeathed to me by my grandmother our family has owned it for XXXX generations. 5 years ago my Husband, who is serving a XXXX in the texas prison system, filled out an application using my name and my credit and my home and received a XXXX line of credit under the rules of a home equity loan from XXXX XXXX XXXX. He closed on this loan without advising me anywhere along the way. I never signed the application, the approval, the closing documents, I never received the cash nor did I attend the closing. They were all forged. I was not aware of this until the loan was transferred from XXXX XXXX XXXX to XXXX mortgage servicing llc. When he did not make payments on the loan., I attempted to explain this to XXXX . They took a application for a loan modification and said they would look into it. 60 days ago, after stalling for 2 years, they sold the loan to BSI Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX. BSI stated they would never give a loan modification. I filed the paperwork to apply for a modification anyway and they processed it. Without sending any notification I writing to me, they started a foreclosure against my home with a sale date of XXXX XXXX, 2016. When I asked my case manager why he did this, he stated that they turned me down for a modification. When I asked for an appeal process he ignored it. I was not allowed to go through the process of appeal per the 30 day rule. I sent a new package int XXXX XXXX and while it was in process he stated that they were going to foreclose regardless, but they would look at the paperwork. Today I received a letter that even though they were in violation of the dual tracking rules. I told the case manager, XXXX XXXX, about the violation and they said they did not have to follow it, I mentioned that I never got a judge 's order recorded to allow the home to be foreclosed on and he stated that BSI stripped the mortgage and and did not need any permission to foreclose. 
this violated the Texas rules of civil procedure, the Home equity lending rules and the CFPB law about dual tracking. he would not even discuss the forgery. this complaint conerns the original application and forgery the settlement process of this loan without me signing or being present, the modification process and the foreclosure process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation