BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
I have a chase bank credit card account that is more than 7 years old from the first late payment shown on my credit report. wrong late first payment date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Diversified Adjustment Service, Inc.
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, my name is XXXX XXXX and I have a problem with XXXX because, on XX/XX/XXXX I had a trip back to my country XXXX for XXXX matters. The same day I called the XXXX company to terminate my phone service from the number XXXX XXXX XXXX XXXX, so the agent gave me the confirmation and removed the automatic payment from the account since according to his instructions I should not make another payment. 

On XX/XX/XXXX I return to the United States and I find myself with the surprise of a {$XXXX USD charge from XXXX, which I was unaware of since I never received any billing or collection mail from my account. Given this I need the company to release the Total Amount of debt now because they did not do the work to close my line when I requested it. 

Translated with XXXX ( free version )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Ocwen Financial Corporation
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Effective XX/XX/, XXXX XXXX transferred my mortgage to PHH Mortgage. I paid my XXXX mortgage payment on XX/XX/XXXX. My XXXX credit report shows that I have a new account with PHH and that I have a missed payment with PHH and that my mortgage balance is now {$1900.00} higher and that I have two mortgages. This lower my score in the double digits. PHH also shows that I have a 40 year mortgage when I only have a 30 year mortgage. This was reported to XXXX on XX/XX/XXXX. I need XXXX XXXX to report my account closed, and I need PHH to correct my mortgage term, my account balance and my mortgage term, and that I don't have a missed payment. I also need my payment reduced. I had an escrow shortage with XXXX XXXX that was spread out over 24 months with a mortgage payment of {$1600.00} that has jumped to {$2100.00}. I am on a fixed income that is net $ XXXXmonth. I believe that that, because I have so much equity in my home, they want me to foreclose. A friend of mine won a XXXX XXXX lawsuit against Ocwen, which is the parent company of PHH, due to fraudulent practices and XXXX XXXX has the same practices. XXXX XXXX added {$5000.00} to my balance with no explanation and I can't get to the bottom of this with either lender. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Tuesday, XX/XX/XXXX, I deposited an emergency personal check for XXXX in person at the bank, drawn on an XXXX backed personal checking account. 

Within minutes at the bank, the funds for the check were verified as cleared. The funds were shown as withdrawn from the described source account at the same time. 

I was told by the bank that the funds would not show as cleared until the following day. By the time I arrived home, I received a notice from Bank of America that the funds were on an extended security hold ( 7 business days, i.e. 10 days ), and would not be accessible before or until the given precise time on the very last day of the extended security hold. 

I complained to no avail, including internal complaints, in-person visit, and XXXX XXXX XXXX filing XXXX The bank essentially had cash-in-hand, withdrawn from the source account, but in a float for the full extended security hold. The bank quoted their account policy, and then self-referentially stated they hadn't violated their own policy. 

This is the equivalent of depositing cash, but not getting it credited to the account for 7 - 10 calendar days. Bank of America claims they did no wrong, and " apologizes for inconvenience '', with no further action or acknowledgement. 

Upon research, this graft ( and fraud, in the legal sense of the word ) committed by Bank of America and its officers is a common-enough issue that there are class action lawsuits against the bank for misappropriating deposited funds. Bank of America is a crooked organization, and the evidence can be found in the XXXX XXXX Bank of America class action lawsuit filed in XXXX XXXX, Illinois on behalf of all Bank of America consumers with similar standing, regardless of state of residence. The case number is XXXX, and is attached here for reference. 

Bank of America has said they have done no wrong, merely changed their policy to begin bilking their checking account customers should orginal funds in the target account be less than the funds on deposit. This is an evasion. When the funds have cleared out of the source account, they are not " in transit ''. They are in a hold account that is used as rolling nightly float. Together with all the float funds that are automatically " put on extended security hold '' across America, the daily float runs around XXXX XXXX, often more, and over a rolling seven day period, the float fund can run as high XXXX XXXX dollars, taken from " little people '' who deposit checks that are instantly cleared, but not deposited for a full 7 - 10 calendar days. 

Bank of America is engaged in consumer fraud, with 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 explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I checked my credit report, I found that some of the information was inaccurate. The XXXXcredit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent charges on my credit report. This has been hurting me as I am trying to buying a home for my family. Please remove the fraudulent charges immediately.

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 2023-02-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a Checking Account with USAA Federal Savings Bank. The account number is XXXX. I incurred six ( 6 ) NSF Fees of {$29.00} each from XX/XX/XXXX to XX/XX/XXXX. This totals to {$170.00} in fees. On XX/XX/XXXX, I became aware that my account with a third-party payment processor ( XXXX ) had been compromised and multiple unauthorized payments occurred via XXXX, which subsequently drew funds from my USAA account and consequently overdrew the account and continued to attempt charges. The issue has since been resolved by XXXX. 

I promptly notified USAA to report the issue on XX/XX/XXXX. Unfortunately, they failed to resolve the issue. I wrote to them again on XX/XX/XXXX, and XX/XX/XXXX, to no avail. After my third letter to USAA, I was advised to send in my request in writing again and provide supporting documentation from XXXX. I did so on XX/XX/XXXX. Unfortunately, it has been almost two months and I have not received a response. I sent a follow-up letter on XXXX, XXXX, XXXX, but they still have not refunded the NSF fees that resulted from the fraudulent 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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
per fcra as a federal consumer a charge off is a certificate of indeptness income is not supposed to be reported must be removed

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 2023-05-01
Company: DISCOVER BANK
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:
XXXX XXXX and Discover Bank as defined by the IRS Form 1099-C even if I didnt receive a form 1099, I must report canceled debt as gross income on my tax return. IRS clearly defines charge-offs as gross or ordinary income and is not reported on the consumer report which makes your reporting inaccurate! By definition the IRS clearly says a cancel or charge-off is income.

15 U.S. Code 1681a ( 2 ) ( a ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Your company is furnishing inaccurate information as charge offs and late payments. When Congress specifically states that transactions or experiences between the consumer and the person making the report are NOT INCLUDED in the consumer report. You are in violation of law stated. is, in fact

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-01
Company: Loan South Finance & Tax Service of Troy, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan was taken out XXXXXX/XX/XXXX, and the payment was {$100.00} a month. I paid on time until XX/XX/XXXX when I was admitted into the hospital for XXXX XXXX XXXXXXXX. I contacted them and told them I would be unable to make a payment until late XXXX which the manager agreed to because of circumstances. But they not only called and texted every day at least 3 times a day, they started calling from their own private cell phones even after XXXX ; XXXX. I would tell them I was in the hospital and they would say ok but then call me again in a few hours. When I got home I started making payments but then they said the payments went up even though I was paid up. Its getting out of hand, Ill make a payment and constant texts and calls stating I didnt or I owe more money. I feel violated that every employee has my personal cell on THEIR personal cell phones. That isnt right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is written as a charge off but I have not received 1099 cancellation of debt form. I did reached out to the creditor requesting 1099 cancellation of debt form. the company have not responded. this account is inaccurate and according to the FCRA all inaccurate and unverified items must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX {$300.00} XXXX {$1000.00} I have more missing money but its been so long my accounts were foreclosed

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 2023-05-01
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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Their investigation did not fix an error on your report

Complaint:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: DISCOVER BANK
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Discover EMailed co-signer violating 15 USC 1621. Discover should be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmedinformation without producing proof within the legal time range. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
Company: Experian Information Solutions Inc.
State: FL
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:
I XXXX XXXX XXXX XXXX received an notification from Experian that my credit decreased XXXX points due to an collection account that I have No knowledge of on XX/XX/2023, no one havent contacted me about this unknown collection balance for {$950.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I then ask the credit Bureau for a verification for the collection so they did and stated everything was accurate. I did a review on the report and theres no information was shown that the debt belongs to me. I asked for verification such as Address, phone number, contact agreement, signature and witnesses for confirmation. This collection is forcing a debt on my credit report that is impacting my score tremendously and is unfair. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

1

5 U.S.C 1681 secion 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 2023-04-30
Company: EQUIFAX, INC.
State: WA
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:
I did not authorize a recent credit inquiry, from XXXX XXXX and XXXX on XXXX. XXXX, XXXX.

Company response to consumer: Closed with explanation