BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX ; XXXX  and Transunion are reporting incorrectly a charge-off of {$4100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have not now, nor in the past, ever had an account with XXXX XXXX. This false reporting of a charge-off account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On viewing my credit report, discovered I had 3 hard inquiries from Bank XXXX XXXX, Capital one and XXXX XXXX services I never authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This collection company is reporting erroneous debt to Experian in my name. The debt collector has a debt on my report for  XXXX   XXXX . I have never lived at  XXXX    XXXX   in my life. This debt is not valid and after several attempts to rectify this with the credit agency they have ignored my requests. The creditor has yet to show a signed lease agreement between myself and the apartment agency. They instead continue to submit a fabricated bill with my name on it to Experian. Experain has failed to research the debt in its entirety. They only ask the creditor if the debt is valid and never ask for proof.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 accounts : XXXX ( Original Creditor : XXXX XXXX  ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX, XXXX XXXX XXXXC ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction.

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 2020-03-06
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have lived at the same address for 3 years, yet, someone has a lease in my name. National Credit systems is  attempting to collect on this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TD BANK US HOLDING COMPANY
State: NC
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:
Someone opened a target red card and used it in my name, and target refuses to do anything about this situation or remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: PHH Mortgage Services Corporation
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This request for information is submitted pursuant to Regulation X Paragraph 1024.36 under RESPA. This request is not duplicative of any prior request for information on the referenced loan account.     We have received correspondence indicating that a certain  XXXX   XXXX   XXXX  was consulted and named as a representati ve of PHH Mortgage Corporation in  a foreclosure matter brought by PHH.     This is a QWR request for the following informa tion : 1.  Is  XXXX   XXXX   XXXX  and employee of PHH Mortgage  Corporation?    2. If so, how long has she worked there?   3. What is her official title?   4. What is her job description?    5.  What training is required for her title designation?    6.  Provide the name of the department or division she works in.    7.  Provide the name of the department or division head.    8.  Is  XXXX   XXXX   XXXX  authorized b y PHH Mortgage Corporation to p articipate in a foreclosure action?     Thank you for your cooperation and timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage through Wells Fargo. In 2012 they threw me into a mortgage modification. For a full year they threatened by mail and phone to foreclose on my home even though I made every payment on time. I had to call them every month on the day of my payment and give them my bank information. When is it was finally over I find out that they reported to the credit bureau that I had not made a payment in 9 months which really messed up my credit score. I have repeatedly reported that, that is not correct and have sent them information to prove that the reporting is wrong. This year I decide to do a refi on my house and find out that what was reduced in my mortgage through this modification has been but on my house as a lien. I also received an notice in XXXX that they were going to start foreclose process on my home for non payment, then received a email from them that said " oop were sorry we sent you that message. '' Again my harassment. So I went through a full year of threats and hell for nothing. Why is this being done to people? You hear about this big program to help home owner and it does is ruin you credit and create major problems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: GA
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 asked the company to investigate these inaccurate and incomplete for these accounts : XXXXL XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, Inaccurate, XXXX XXXX XXXX ( Original XXXX XXXX ) : Account number : XXXX, XXXX XXXX : Account number : XXXX, Inaccurate, XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX, the date of last active is inaccurate, and the balances is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I not to long ago checked my credit reports. All three reports showed there were several missed payments. This is incorrect and inaccurate. My Capital One Card has never been paid late. I have tried to get this issue resolved but have not been able to get any assistance from the representatives. No one has been able to explain to me how errors of this magnitude were able to placed on my reports. It seems they are not willing to help in any way. This issue has been very stressful and is causing me to not be able to get new credit. Not only that, but also preventing me from being able to get approved for a higher credit limit. I have been stagnated with a {$300.00} credit limit even though I have made all of my payments on time. Yet I receive several offers from Capital One for a Auto Loan of upwards of {$5000.00}. This is an error on the part of Capital One or the Credit Reporting Bureaus. I would like this issue to be resolved and deleted from my reports. So that I can continue on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: IL
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:
Hello my name is XXXX XXXX & I am reaching out about a XXXX point credit score decrease from Experian I received on XX/XX/XXXX. I have reached out to them to request an explanation of the decrease due to there being no change in my credit report to warrant the decrease of any points but especially that amount. I have not received any assistance except being advised to review my credit report which I have done & there has been no changes. The last change to my credit report prior to the decrease in XXXX was a score increase on XX/XX/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 2020-03-06
Company: EQUIFAX, INC.
State: TX
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:
Good Afternoon CFPB I have been disputing inaccurate information on my credit report, there are multiple accounts that are reporting inaccurately. I have submitted multiple disputes starting XX/XX/2020 - the accounts have remained on my account. 

I am submitting a complaint as a last resort and I hope you can assist me in removing this inaccurate information from my report. 

Thank you so much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: CITIBANK, N.A.
State: PA
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 receive promotional offers for an XXXX XXXX credit card regularly. In XX/XX/2019, I applied for a credit card with a promotional offer of {$200.00} statement credit and XXXX airline miles after spending a specific amount. I have inquired about never receiving the airline miles, but was advised that I have another account and was not eligible for the promotion. I continue to receive the same offer and no where does it say if you already have a card you are not eligible for the promotion within so many months. To me this is a misleading and deceptive practice. Why would I or anyone else for that matter want to pay two annual fees to earn miles, if we are not eligible for the promotional offer.

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 2022-07-11
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was supposed to been removed with another account after it was charged off with a XXXX balance, account was then transferred to a collections agency and I have been harassed about this and my financial credit has been messed up because of this derogatory account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15
Company: GENWORTH FINANCIAL INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I received a letter, dated XX/XX/2017, from a company called Genworth Financial that it was updating a request to change my address, along with a " new schedule of benefits reflecting this change, '' which I was told to file with my " certificate. '' The letter includes an XXXX-number to call ( XXXX ) if I " have any questions about ( my ) XXXX XXXX coverage. '' The letter is not signed by anyone, just " Sincerely, XXXX XXXX XXXX XXXX XXXX '' and gives a coverage ID number ( XXXX ), that is allegedly my account number. The cover letter also has the Word document path info in the lower corner that you may see on business internal documents, but seems strange on a letter from a legitimate company to a customer. 

The second page of the letter has a simple listing two columns with " Covered Services '' and " Benefits '' which includes, for example, " Type II Covered Services : Nursing Home Facility, 100 % Most Common Charge not to exceed {$260.00} per day '' and so forth for assisted living facilities, home care, adult day care, respite care services. This page concludes with listing a " total lifetime benefit '' of {$7800.00}. 

Here 's my issue : I NEVER opened any type of account nor have ever done business with Genworth Financial that I know of. This letter appears to be a disguised marketing ploy that could be very confusing, as it makes it appear you already have an account with Genworth. As  mentioned above, the only way to contact the company and find out what is going on is to call the XXXX number. I have not called the number, just do n't have the time for this and do not want to make contact and receive more of the same from them. It clearly appears to be targeting senior citizens, considering the " benefits '' for nursing homes and the like. I turn XXXX soon, and have a husband who is at retirement age, so maybe that is why I was targeted? 

I have worked for both the XXXX and XXXX XXXX XXXX regarding XXXX XXXX and XXXX XXXX, and even after years of experience XXXX XXXX XXXX and XXXX XXXX, I was still confused about this one. It really left me scratching my head trying to figure out when/if I had signed up for something with Genworth, if it was some job benefit I had forgotten about or something. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My son opened a saving/checking account on XXXX, 2018. On XXXX, 2018 I received a statement saying that my sons account was adjusted by - {$220.00}. There was no explanation. I called the bank and they said they would look into the situation and write me a detailed account of why the amount was changed. On XXXX, 2018 I received a letter saying that my dispute inquiry was researched and they have determined that the adjustment was correct. 
I counted the money at the bank with banker two times. We came up with the same amount together. We then waited in line for the teller, and she also came up with the same amount. I have the recept which states the amount that I have deposited. Bank Of America will still not provide me with the information that I have requested.

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 2015-04-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Many issues. Told in the beginning that I needed to get behind on mortgage to qualify for HAMP Program, I did and paid many late fees and attorney fees. Recently applied for the HHF Program, told I would qualify, WFHM stated that since they did not administer the HHF Program " In House '' for the State of Florida, they would not postpone Foreclosure hearing however, if I lived in a State that they did administer the HHF Program, they would have postponed the hearing. Many, MANY other issues, lies and untruths told over the past 6+ years, I am currently conferring with an attorney regarding filing a lawsuit against WFHM .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm a victim of identity theft. There are several accounts opened without my validation and several inaccurate information on my credit reports. Below are some fraudulent inquiries founded on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I fell victim to a scam when my computer was hacked into. I thought I was talking to a rep from Chase bank and XXXX. They told me that someone from XXXX used my card to make an XXXX purchase and I would need to buy gift cards from XXXX  to drive up my balance to keep the charge from going through. My card was immediately deactivated by Chase for suspicion of fraud .The scammers said they would contact the bank and have it reactivated. They used my phone number to do so without my knowledge and Chase reactivated the card. Why would they do that without contacting me directly? I would like an answer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: TN
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:
Remove this fraudulent account from my Consumer Profile XXXX XXXX Date assigned XX/XX/2016 {$470.00} I reported to this company and to the bureaus that this is a fraudulent account in my name and must be removed asap! i have written to this company and asked them to send me the original contract with my original signature and original lease the company could not provide this info and neither could the bureaus which lets me know further that this is an act of fraud and a crime. I am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me. According to federal law 15 USC 1692 ( e ) disputes the validity of this so called obligation and i have not received any original contract connecting me to this fraudulent account. This has hindered me and my family in obtaining credit and is a violation and crime of my consumer rights and has caused damages to my XXXX XXXX and welfare to maintain my home, because of your companies failure to validate this so called debt, i am entitled to compensation according to federal law 15 USC 1692 ( k ) any person is liable to such person in an amount equal to the sum of XXXX according to F.D.C.P.A 15USC 1692 ( k ) and can and will be filed in the U.S district court.. 
REMOVE account asap and compensate acct # XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account XXXX, ONEMAIN Account number : XXXX, XXXX XXXX & XXXX Account XXXX : 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.

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 2015-05-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My Commercial Checking Account at XXXX Remain unaccounted for To this date! The banks that took over First Union insists the Commercial Account was turned over to the Pa. Treasurer. The Pa Treasurer 's Office insists it had not been forwarded there. Wells Fargo, Wachovia and First Union Banks have all acted in concert with one another to conceal misfeasance and malfeasance stemming from an internal investigation which resulted in their own employees being named perpetrators in the 'bank fraud bust ' on XXXX XXXX 2000. My efforts to secure access to the account via Special power of Attorney since I was physically unable to appear in person, was to no avail. My account was restrained pending the outcome of the above investigation and should have been released accordingly. With Formal apologies for the grave inconveniences which were caused as a direct result of the aforementioned. Now that I have become physically able to handle my own matter, these corporate bullies insist on passing the buck and giving me the runaround as it were! Hence, I request attention to this matter through this formal complaint. Commercial Checking Account # XXXX XXXX XXXX XXXX XXXX , XXXX, Reference XXXX Commercial

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation