BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/2022 a Hacker contacted Experian and pretended to work for a debt collection agency. 
At no time did the agent with Experian and took the call, asked this Hacker to provide proof of identity and their employment with the debt collection agency. 
It wasn't until XXXX XXXX XXXX  that Experian decided to email me and inform me that they had decided to alter my credit report due to the information that was provided by this Hacker. 
At no time did the agent for Experian and prior to altering my credit report, checked to see if this fake debt collector was in compliance of the law. Specifically Regulation F.

Experian claims to protect consumers and offers all kinds of services to do just that. I am coming to the conclusion that this negligence by Experian happened so that I would become scared and purchase at least one of their offered products. 
In fact, I was offered a {$50000.00} product guarantee if I signed up for one of their products. 
This enticement induced me into accepting a defective product.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
2 XXXX XXXX XXXX XXXX XXXX are being reported on my XXXX Credit Report, we are a victim of identity theft.

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 2022-12-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From XXXX until XXXX Wells Fargo miss handled my mortgage. They lied, cheated and misused my money. Wells Fargo forced me to file bankruptcy to stop the foreclosure process on our home. Agreed to fix problems they caused but never did. Cheated me out of thousands of dollars and added tens of thousands of dollars to my mortgage balance when they said they were helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
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:
I have been trying to get wrong address that I NEVER lived at AND associated with student loans AT that address and all 3 bureaus refuse to do anything to correct this situation or respond AT ALL. 

This is NOT allowing me to refinance, to get business loans, and to do a lot more in the financial world because this incorrect information is killing me! It is hurting my business a lot! Everything I want to do I can not! Enough is enough! These agencies need to be held accountable and do what is right. 

I do not understand how they can act this way and not correct wrong information that is adversely affecting my life! 

I am requesting you hold these 3 credit bureaus responsible and accountable. This is not right nor would I think legal. 

I have filed a police for the record. I also hired XXXX XXXX and paid them to fight for me on this and they are getting zero results because of these bureaus. 

Please contact me with any questions and I thank you in advance for your help/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
2 XXXX XXXX XXXX XXXX XXXX are being reported on my XXXX Credit Report, we are a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 i sent a letter regarding inaccuracurate and unknown things on my credit report to this day over 60 days later I have bit received a response yet. I feel like Im being taken advantage of the and being ignored of my disputes. Section 611 ( a ) its plainly stated that a failure to investigate these items within 30 days gives a reason for immediate removal of those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I previously filed a complaint against PHH Mortgage pertaining to the fees on my account that never should have been on my account from the beginning because my home was not in foreclosure in XXXX. The company finally admitted that they lost my check. They sate, " our cashiering department has removed all foreclosure fees and expenses assessed during XX/XX/XXXX through XX/XX/XXXX... you are not responsible for paying '' they removed {$2200.00} in fees but state that the remaining miscellaneous fees of {$3100.00} are valid. I dispute the validity of these fees and I have noticed that they are also inaccurate because each month that I get my mortgage statement, the fees are showing as {$13000.00}!!!!! Past unpaid amount of {$8800.00} Assessed Expences {$3300.00}. These amounts are preposperous, and ever since this company has taken over my account they have been trying to defraud me in one way or another. I demand to have these fees removed! I need to refinance my house from a really bad modification during the XXXX  XXXX and i can't do anything with these unsubstantiated amounts of monies claimed to be owed. I would like to know where these fees came from when the end of my last complaint, the company claimed that I owed about XXXX. This is causing me a great deal of stress and I can not communicate with this company. In fact, the most information that I ever had was when i filed a complaint.

Company response to consumer: In progress
Consumer complaint received 2023-11-08
Company: M&T BANK CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I called the customer service phone number for XXXX XXXX to request a refund for services, but unfortunately the number connected me to a scammer. The scammer tricked me into believing they had deposited excess money ( by transferring money from my savings to checking without my knowledge ) in my checking account which I then had to return to them by wire. They stated to return it to a person associated with XXXX as they could not give me the XXXX account information. 

I realized what had happened within XXXX hours and called M & T to discuss the issue. The fraud investigation I initiated provided little information and I was told to get subpoenas from the police ( in process ) for additional information ( such as the timing of the movement of the money ). No written fraud report was provided to me, but the sheriffs detective did report some details verbally ( see attached document ). 

I also provided M & T a letter ( on the advice of the detective ) documenting why I did not feel they performed their due diligence at the time of the wire transfer and the text of this letter is attached under documents. I have not yet had a reply to this letter, though my contact by phone is the M & T Employee XXXX at 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 2022-12-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
2 XXXX XXXX XXXX XXXX XXXX  are being reported on my Experian Credit Report, we are a victim of identity theft.

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 2022-02-10
Company: Experian Information Solutions Inc.
State: MI
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: Was not notified of investigation status or results

Complaint:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. This complaint should not be closed at any time for authorization needed. As this submitted complaint with attached documents will be my written authorization

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 consent to authorize nor benefit from these inquiries.

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 2023-08-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, my name is and this is for a claim back around XX/XX/XXXX. I purchased several pieces of furniture at a store about an hour away from my house in XXXX, Mississippi, at a place called the XXXX XXXX XXXX  This place is run by criminal employees and criminal managers who are XXXX  and apparently this case is being treated just the same. They employ people who are XXXX  at the state even the managers. I have been trying for XXXX months now to get funds back on a purchase that I made, which was never given to me. I've been promised several times by Chase that they would handle it as it is UNreceived merchandise THAT HAS BEEN RESOLD. I have asked several times and even had an excutive who was less than thorough giving only about XXXX minutes of her attention a week and after several times explaining how the store kept being closed that the movers i paid on the days they told me they would be open, still had to be paid even thiugh the store was closed several weeks I pleaded for someone to return my call several times to no avail. NOBODY called me back. 
Between this and the several banking issues I had the month prior I feel though as this is a personal attack especially after the denial on my purchase to the same places i use on a regular basis, the rejected transactions from bank deposits that should have occurred, The strange UNKNOWN changes in my address on file that after I Had this fixed then caused another problem. And dont even get me started on the card cutoffs all of the sudden month and last few month before. 
I feel this should all have been handled better and that I shouldnt have been lied to when they said they would handle this properly, as I am out of {$400.00} and change thanks to a Great deal of negligence and strange back room talk and messages that were put on file for others like Dont help this customer with anything or talk to the customer or help them have them only talk with XXXX at chase corporate the excutive officer not the front desk lady. 

Its just an assumption but I got the feeling she did not want people knowing and was dragging this simple debit claim out intentionally, which is UNRECIEVED MERCHANDISE. Here is to still having hope some one will hear my cry after 4 months as {$400.00} is alot and money is very tight since covid. 
Please feel free to reach out to me at my business number. I will try to be readily available to reciever your call

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have retirement plan accounts through XXXX University at TIAA ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ). At the end of XXXX, I decided to diversify my investments and chose an automatic option on the TIAA website that re-distributed my money. However, in mid-XXXX because of a change in market conditions, I decided to make my investments more conservative and requested that all my money be put into two bond funds. I then noticed that the money in an account called TIAA Traditional did not transfer. After I complained about this, a customer resolution manager, XXXX XXXX, informed me that because of one mistaken checkmark, they considered that I had effectively signed a long-term 10 year contract to keep my money in this TIAA Traditional account. They say there are no options for removing it to other investments. 

TIAA combines the following elements into a classic gotcha scheme : 1. Design a system that automatically directs customers to invest in TIAA Traditional. Mix it in with other investments that are standard funds which require no contracts. 

2. Trick the customer into clicking on a checkmark and claim that this constitutes a duly signed contract, although they do not have a signature and there is no actual, separate contract. 

XXXX. Hold the customer 's money hostage for 10 years by pretending that the customer has no rights outside of the supposed contract. This particular investment overcharges on fees and pays a poor return. 

TIAA will not : 1. Supply a copy of the contract they claim I digitally signed.

2. Tell me the penalties which apply to breaking this contract.

This is abusive and predatory behavior. I am near retirement age and my son is special needs. They will cripple us with this crazy situation. I have approximately {$53000.00} in the TIAA Traditional account.

There is a class action lawsuit that was filed against XXXX in XX/XX/2015 by XXXX XXXX XXXX because of this behavior, but I do not know the status of this. Here is the link : XXXX XXXX XXXX  Please help me! 

XXXX XXXX XXXX XXXX University

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX, Mr.CooperXXXX was XXXX victim '' to a cyber attack. Considering that most cyber attacks are found AFTER that attack has occured or while complete system malfunction is occuring, I doubt this happened recently. If they did catch it while it was occuring, it's already too late and their systems are completely and totally compromised That being said, the servicing websites to pay my loan are now completely defunct. The company will not change interest rates, or charge late fees on payments, however this will probably take months to completely resolve. 

I currently can not pay my loan WHILE INTEREST IS STILL ACCRUING.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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 am looking to buy a house for my family and upon looking at my credit report I see several data points that are not accurate

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 2023-08-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX. XXXX THAT'S MY CLAIM WITH THE NEW YORK XXXX  XXXX XXXX XXXX XXXX 

A person who came here to my business XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX looking for a job, while he was on trial to get hire ' He got in my office and stoled a few of my business books checks from JP Morgan Chase Bank, & wrote the total of XXXX checks falsifying my signature in all of them using a different dealerships names and other companies names. 
Then he endorsed all of them with his name and deposited them in his bank account with XXXX XXXX  using mobile deposits in all of them. 
The checks were made from XX/XX/2022 till XX/XX/2022. According to the XXXX XXXX Detectives information that is handling the case, The suspect got arrested on XXXX XXXX, and He's dealing with the XXXX XXXX XXXX XXXX XXXX 
And till this day I haven't received any money from the bank or the guy who did it. 
In the meanwhile the bank said the case was closed because there wasn't enough effort from me to get money back. 
but I did all I had to do and sent every document they asked me to. they completely denied giving me my money back that was taken from my business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communications with me in regard to the alleged debt, referenced above. Do not contact me or any third parties via telephone, email, or mail regarding collection of this alleged debt.

I formally dispute the validity of this alleged debt. To date, I never received due notice, of any alleged debt, or my right to dispute. Despite never receiving such notice, DRS has illegally reported an illegitimate collection account to my credit reports, causing insurmountable damage to my credit score. I was a victim of identity theft, and had DRS followed the law, and allowed me the opportunity to dispute, I would have responded within 30 days, and provided proof of the aforementioned. I have had a plethora of fraudulent accounts opened in my name, that I did not initiate. I do not owe this debt or any debt to DRS, LLC or to any third party DRS, LLC is stating to represent, nor did I have any knowledge of the alleged account. 

I am formally requesting DRS to immediately remove the fraudulent reporting information from my account. If the adverse information placed against my credit reports is not removed within 4 business days, appropriate legal action will be taken. Per FCRA and FDCPA, any account reported to the credit bureaus must be a verified account and collection activity, to include reporting to the credit bureaus, must cease. 

Thank you for your attention in this matter. 
XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My XXXX was stolen in XXXX, XXXX on the XXXX XXXX, and those thieves were able to hack and got inside my XXXX. I had several cards and other financial apps stored like XXXX XXXX, PayPal, XXXX, XXXXXXXX XXXX XXXX XXXX, and others. They were able to open Paypal and added their friends on it and send funds to them. I called Paypal when I returned to Florida on the XXXX, and filed fraudulent activities in my account. There were 2 large transactions were made on the 3rd from XXXX XXXX XXXXXXXX and XXXX ; howeverXXXX XXXX XXXX XXXX denied the transaction and XXXX allowed. Initially, PayPal gave me a provisional credit, then they retracted stating that the transaction was normal. Again, I specifically informed Paypal my Iphone was stolen and they got inside my phone. I never made such a big transaction thru PayPal and it was for {$950.00}. I didnt lose my wallet I loss my XXXX, as a result, those thieves were me using my phone. Paypal can not regcognized it.

Company response to consumer: Closed with monetary relief