BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX originated FHA mortgage XXXX paid off FHA mortgage inc the original mortgage wet signature note marked paid XXXX found the XXXX release recorded had been sending payments unknowing we had paid off the mortgage. 
Filed XXXX  XXXX Bankruptcy 20 days after I filed Bank of America filed $ XXXX mortgage claim. They would not answer any request for proof documents instead lifted stay and disappeared. Bankruptcy discharged under XXXX XXXX XX/XX/XXXX XX/XX/XXXX BoA filed foreclosure again we demanded FHA document proof we told their lawyer we never signed an FHA mortgage with them. And sure didn't get $ XXXX BoA claims they have the required fraud dept. Instead received a notice of sale. BoA is now proceeding to sell our house and defraud the FHA mortgage program with a fake mortgage. 
Attached the notice of sale Misspelled address TWO houses separate addresses terminated XXXX legal description Wrong tax ID number

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 2022-08-20
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bough tickets on XXXX XXXX for XXXX XXXX XXXX XX/XX/XXXX. Suppose to be verified seller, I than sent money through Zelle for tickets and the person disappeared

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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 Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

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

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 2022-08-19
Company: Debt Recovery Solutions, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company is claiming I owe debt I never heard of, received mail on XX/XX/2022, I have disputed debt online and with a letter from your site. There is no way to verify any of the information I have never had any loan with a company they are claiming I had a loan with. This is a scam. Company name Debt Recovery Solutions , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Genesis FS Card Services, Inc.
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a bill on XXXX XXXX from Destiny bank for a card I never applied for. It carried a balance which included a {$170.00} service fee and {$5.00}. When I called to request the account be closed because I never requested a card from this company that constantly send me pre-approved notices, they refused until I sent a picture of my Drivers license or State ID. I refused because they could not provide me with any relevant information other than my address to verify. The agent claimed they must have received a picture of some type of ID from me or they would not have opened the account, yet refused to close it when I requested it be closed... Since I never requested it be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: LEXISNEXIS
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:
I received notification from XXXX and XXXX that an alleged bankruptcy was verified through LexisNexis. I disputed with LexisNexis and was told the information was verified via PACER. I contacted PACER who stated they DO NOT verify or provide information to credit bureaus or credit reporting agencies. I submitted to LEXISNEXIS a letter from the bankruptcy court from XXXX and emails from PACER from XXXX and XXXX stating they do not verify these public records. 
I filed complaint XXXX which was closed stating LexisNexis wanted ID. I submitted my drivers license to Lexis Nexis on XX/XX/XXXX. Their reference number is XXXX. I would like complaint reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: AL
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 recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX XXXX for XXXX, XXXX, & XXXX last updated on the XXXX of XX/XX/2023. 

This company reports a 30 day late without my consent. 
XXXX XXXX Acct # - XXXX Your company is in clear violation of the law, Under XXXX XXXX Code XXXX Permissible purpose of consumer reports. 

THE LAW CLEARLY STATES! 
( a ) In General Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I ever give you written instructions to furnish this account on my report? 

Furthermore, the Fair Credit Reporting Act XXXX XXXX Code XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) Exclusions Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave written consent to provide information to any third parties about the reporting of transactions and experiences. 

Delete the above late payment from my consumer report. This agency is in violation of XXXX XXXX XXXX XXXX. 

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of character ( per XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX XXXX violations XXXX. Fair Credit Reporting Act XXXX XXXX XXXX violations for willful noncompliance XXXX. Civil Liability for willful noncompliance [ XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a student loan from XXXX and I have never missed a payment. However on XXXX, XXXX and XXXX of 2022 it shows up on my credit report that I missed a payment for these three months. This is inaccurate and I even just got off the phone from XXXX and was informed in their system that I have never missed a payment. This error on my credit report is hindering me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I called TransUnion in regards to fraudulent inquiries that I noticed on my credit report. I followed up by giving them a phone call and the customer service representative quickly dismissed the issue and said to include an FTC report so I ended the call.

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 2022-08-19
Company: EQUIFAX, INC.
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 filed a complaint against XXXX XXXX and Equifax regarding case number XXXX. As a result of my dispute regarding XXXX being listed as a " Mortgage '' on my credit bureau and requesting for this to be removed due to errors in reporting among other things I disputed regarding their abusive and bullying antics. 

My score as of XX/XX/XXXX was a XXXX according to XXXX as I have been watching it daily because I have been trying to fix my credit and purchase a home. 

Equifax and XXXX as retaliation for my dispute has tried to further damage my credit by reporting incorrect information. At this point this was done intentionally and willfully. XXXX XXXX XXXX  are used to ruining peoples credit and Lives with the Pyramid Ponzi schemes they have been allowed to get away with for years. They know if they report this loan as a " Mortgage '' it will FORCE people to pay when all along they would never ever be able to have access to the Resort. They also know how much damage this can do on my credit report. This was already reported negatively on my credit in XXXX when I stopped paying and listed as a charge off. As a result of " Equifax Supposed Reinvestigation '' they made it appear on my credit I paid 100 % of my payments i missed 1 payment it went from a charge off status to 180 days late. It dropped my credit XXXX points and at this point I a convinced it was intentional. How is this even legal? I filed a complaint with the FTC for the initial case XXXX but I am filing a complaint for this case as well, this is extortion. XXXX and Equifax should be charged with Racketeering cause this is outright dishonesty. 

I have not made a payment to XXXX XXXX since XXXX and for the record I WILL NEVER PAY XXXX ANOTHER COIN. In turn for me disputing this account with the CFPB Equifax updated the file and posted I had 100 % on time payments when in fact I haven't paid XXXX since XXXX and they have listed as 1 missed payment to purposely drop my score. Disputing an account with the CFPB and credit bureau I should not be retaliated and abused by XXXX. My credit should not be damaged cause they already reported this account years ago negatively. Now they rereport cause I disputed the account? How is that possible? I want answers NOT A COMPUTER GENERATED GENERIC ANSWERS EITHER. They are in clear violation of the FCRA how is this Fair and Accurate Reporting? My credit has dropped XXXX points because I disputed an account that was already negatively reported years ago. They marked it as a charge off then a changed it to 180days late when they keep flip flopping to make it harder to attain any credit. I attached proof XXXX and Equifax intentionally and willfully damaged my credit and are well aware I am in the process of trying to rebuild it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: IL
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, my rights have been violated. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have 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 permission.

15.U.S.C 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 2022-08-19
Company: ADP Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2022 I tried to make a purchase for a scooter to get to and from to work I went online and found that a company XXXX had a scooter online for sale for {$71.00} I went to purchase it and again after purchase I began to do a search because something didn't seem right about the receipt that they sent me to my email something was fishy about it I did some research on the company and see that they were a scam they sent me fraudulent email saying that a tracking number for a purchase that I had just purchased within the 5 minutes was already sent out I try to reach out to the company found out that it was a fraudulent number and a fake address to the company I even tried to go to the store where there was no store there I contact my car company and told them that it was a scam and I try to reach out to the company the number for the company was not a phone number and the address was not a phone number I also sent them the emails from the company now I just got a email from the company saying that they sorry that I didn't get my purchase I just been asking for my refund back that's it from both the company that is fraudulent and also even my credit card company to stop the payment but no one is working with me I have all the emails and pictures the actual scooter that I purchase from the company that did not receive was over {$6000.00} so there's no way that I could have purchased this scooter for a {$71.00} and come to find out it was for a older person well over my age from XXXX XXXX  my card company denied my refund and I have been going back and forth with both the company with the fake fraudulent tracking number and email address phone number and also address I'm just asking for my money back thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: OK
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:
I have tried SEVERAL times submitting the 2 attached FTC reports to Experian, XXXX and XXXX via mail and online and none of the companies are taking any action. I need the following FTC reports processed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: PENTAGON FEDERAL CREDIT UNION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I completed an online form to transfer {$10000.00} to pay a creditor on XX/XX/2022. The balance needed to be paid by XX/XX/XXXX to avoid interest charges. PFCU offered me a 12 month interest free balance transfer. On or about XX/XX/XXXX, I realized that the transfer would not be completed by the first of XXXX so I used other money 's to pay the balance. During the balance transfer process, they asked for the name of the vendor and stated that if the vendor was not listed, I would be able to put them in later in the process. My vendor, XXXX, was not listed. The closest to them alphabetically was a company called XXXX XXXX. I clicked on them thinking that I could correct it later. I was never given an opportunity to change it. I also included my XXXX routing number and account number. They never received any money. When I canceled the transaction on the XXXX, PFCU told me that the check had been sent to XXXX XXXX. I was surprised because I put the account number and routing number on the transfer. There was a transaction ID so I assumed it was just a matter of reversing the transaction or canceling the check. That was three months ago. I've been carrying a XXXX balance that I never received AND they've been reporting me to the credit bureaus for non payment. This was supposed to be an interest free transfer. I've lost about XXXX points on my credit report and I don't think I should be paying for moneys that I never received. PFCU keeps telling me that it takes time to retrieve the money. As far as I'm concerned, it's an issue between PenFed and XXXX XXXX. I should not be carrying a balance or expected to pay back money I never received. Not to mention, taking a credit hit because they can't find where THEY sent money. Please advise!

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 2022-08-19
Company: EQUIFAX, INC.
State: ND
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:
on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : { Account # XXXXXXX= XXXX XXXX XXXX XXXX and XXXXXXX= XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, my rights have been violated. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have 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 permission.

15.U.S.C 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 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 2023-01-25
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello Chase bank let unauthorized charges go on me and my wife credit cards without us knowing about it till it was to late A online casino company call XXXX XXXX ran up over XXXX dollars on 7  cards. We lost the dispute because they said it pass 30 days we disputed with the credit bureaus didn get anywhere now we left with XXXX debt chase bank never let us know anything when these unauthorized charges was bein made.we filed police reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to get a pre approval for a mortgage about 2 years ago and they are unable to pull my equifax credit score, but they were able to pull both XXXX and XXXX. 

same thing happened when i tried to open a banking account with XXXX. 

last year when i was trying to get a car it happened again. they could not pull my equifax credit score. I also can't view it on any credit checking sites. it just says NA I called equifax several times and they stated there is no freeze on my account and everything should be fine. i spoke to multiple people and 2 years later im still in the same predicament

Company response to consumer: Closed with explanation