BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CEASE AND DESIST I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Your company illegally reported private information and sold it to other reporting agencies, including XXXX, XXXX, and Transunion. I did not grant your company permissible purpose to report it, and I have not been notified that this information is being provided to the highest bidders. The alleged debt was during a time in my life of struggleXXXX XXXX issues, and XXXX  anguish. I have since sustained further emotional and XXXX  damages because of your company 's unfair and deceptive practices. I am currently rebuilding my life, but your companys willful disregard of my privacy and its reporting has damaged my character and is hindering my ability to provide for my family. As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting Account ( Acct # ) XXXXXXXX XXXX XXXX XXXX XXXX  {$9300.00} - XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY to your consumer reporting agency. 
- Remove reporting from all consumer reporting agencies. 
- Provide acknowledgment of this official notification that I am opting out of your reporting. 
Do not report ANY information bearing my identification. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 
Regards, 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 2023-06-03
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2016-09-09
Company: Commercial Recovery Systems
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Today, XXXX XXXX 2016 my mother received a phone call from a woman calling herself XXXX and refusing to disclose where she worked. She stated that I was being sued and paperwork was submitted to XXXX XXXX and that I needed to obtain legal counsel. Later this afternoon a person I went to high school with named XXXX XXXX, who I have n't spoken to in 8 years received a voicemail from the same woman, mispronouncing XXXX XXXX and telling him that I, XXXX XXXX, was being sued by XXXX XXXX. 

In XXXX cases she left no information regarding why legal action was being taken against me, but disclosed to arbitrary individuals that I was being sued and needed an attorney. In XXXX cases I was contacted by worried friends and family concerned that I was being arrested. 

I have no knowledge of any outstanding debts, and in fact just purchased a car which required very detailed analysis of my current credit report. The woman left no information regarding who she worked for. Upon XXXX searching the phone numbers provided, it became clear the calls were placed by " Commercial Recovery Systems '' ( phone numbers given were XXXX and XXXX ). I have no idea how many other old contacts they may have defamed my name to. 

After reading XXXX it became clear that they 've been known to do this extensively and unendingly.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started a mortgage process with Bank of America in order to buy a condo. 
The BA mortgage agent communicated both via email and the BA platform with us and his emails were always signed and included a BA footer with his headshot and address.

After numerous emails that included my real-estate agents and my lawyers, as we were getting close to the closing date ( the week of ) and we were wrapping up the last details, he sent us information for the wire transfer for a XXXX down payment. 
The document had the XXXX title logo and a Bank of America bank account to transfer. 
I completed the transfer at my local Bank of America office - 24h prior to closing date. 
He then sent us information about the closing date and time and location ( important fact ). 

I showed up at closing the next day to discover the down payment wasn't received by the XXXX Title association and I immediately recognized the fraud and checked my emails to discover that the last 3 emails were sent from the same name ( same footer, and as replies of previous conversations- but from a different email ). 

What made the situation more difficult was that the real agent stopped answering his phone bot the day before as I was trying to confirm the transfer with him and during closing, when he didn't send the closing papers - and " went on vacation '' without announcing this, we found out from his manager who eventually sent the closing documents. 

I reported the incident with Bank of America several times and nobody contacted me or even followed up on my claims. After numerous phone calls, Bank of America sent a " declined '' answer to my fraud investigation request, and they refuse to provide any explanation on why a claim involving a fraudulent email labeled BA and another BA fraudulent bank account shouldn't be held accountable in this case ( without a subpoena ).

Let me know if you need any details or documents but I would appreciate any kind of resolution you can provide, Thank you 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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my numerous 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. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX  XXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX Balanced Owed : {$7500.00} ; XXXX XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022

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 2023-03-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wells Fargo have called me everyday for the past year! I'm done with it. If you have a lawyer to offer me that would be great!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: NAM National Arbitration and Mediation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
An individual claiming to be " XXXX XXXX '' called my home voicemail saying he was an " independent process server. '' He claimed that there is a case against a person who is not me ( XXXX XXXX ) and he was calling to serve papers. He had a whole script about how he would show up at the home of XXXX XXXX and then go to her work to serve the papers. He left a case number. I am a paralegal, so I looked up to see if there was a debt collection case against XXXX XXXX in XXXX XXXX XXXX, XXXX. There is n't. There also is no process server in XXXX named " XXXX XXXX. '' I contacted this company at the phone number they left ( XXXX ). I asked the name of the company that called and a rude individual told me that it was called " ADR '' in XXXX, XXXX, but would not further identify himself or his employer. I told him about the voicemail, that I was not XXXX XXXX and did not know XXXX XXXX. I also told him that " XXXX XXXX '' was not a process server in XXXX and that there is no case against XXXX XXXX in XXXX XXXX County, XXXX. He told me that I must know everything and hung up on me. 

This company is calling people claiming to be process servers in XXXX and they clearly are not.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 booked one ticket on a sightseeing air trip for my mother. The price was {$82.00}. The company then said as a promotion it was a 2 for 1 and that I would be able to go as well, for a total of {$82.00}. I confirmed this twice.

When I arrived, they asked for my card. They physically swiped and charged it twice.

The owner of that company will not reply to my emails. That is when I started a contest with Capital One.

Capital One sent them out a notice and they replied with " he was only charged once. '' That isn't true, I was charged twice, for one item. It is literally the exact same amount. 

Capital One told me they are not investigating it further. They are not adhering to their own T+C when there is CLEARLY a duplicate charge. 

They need to refund me the second charge or I will be forced to escalate this issue to arbitration due to them not doing their job in investigating this complaint. They are siding with a company that did not give a valid reason vs. mine, which is not only valid but truthful. 

In essence, Capital One is refusing to remedy the situation because it will result in them crediting me. However, the charge was not consented to by me and it is clearly a duplicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I need help getting my lender to stop my foreclosure and allow me some time to settle my loan. I fell behind on my payments about 4 years ago after my husband left me with. He was the only source of income I had. I did not have a job at the time and I have struggled ever since to keep up with all of my bills, not just my mortgage. I can barely keep food in my refrigerator some months and I've had to ask for money from my adult children just to get by. If my home forecloses, it would leave me with nothing, I won't even be able to rent a home if something like that were to go against my already poor credit. I am working on a short sale with the mortgage servicer and someone has made an offer on the home but the lender does not want to give me enough time to get through the process. I spent years not knowing what to do with this burden and I feel like now that I am actually trying to rectify this, PHH does not want to give me any grace. I am pleading for extra time to work through this, I have sent all of the documents required of me for the short sale and just need an extra month or two. My home foreclosing would add insult to injury at a time like this for me. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Consumer Portfolio Services, Inc.
State: PA
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:
Hi I see 5 hard inquiries that dont belong to me They are unauthorized this is not my account I had lost my license..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: NJ
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX and XXXX XXXX. Please remove these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX Account Number XXXX Balance : {$440.00}

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 2022-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Since XXXX of 2022 I have received account statements from Bank of America regarding an " Adv SafeBalance Banking '' account. I did not open it. I have no business wioth Bank of America. 

It indicated a negative {$7.00} and change balance on the account. A month later a - {$14.00} balance was on a statement from them. I called the customer service line with no resolution. I received another statement dated XX/XX/XXXX with the same - {$14.00} balance. I presume they are hoping I will make a deposit, but I didn't request it, contact them to open any other business with Bank of America, or use the account, and want it deactivated and all data deleted. 

The account must be deleted and any record of me having that account deleted as well. 

Thanks for looking into this.

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 2020-04-14
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:
During XX/XX/XXXX I discovered that some of my friends were illegally obtaining specs to my devices and use XXXX XXXX XXXX ( XXXX ) and XXXX XXXX  on my phones and devices. This allowed these persons to obtain credit, fraudulently sign for student loans, and launder money through my bank account from other schools I have not attended ( including XXXX ). They used those loans for person purchases including purchases for their kids, trips, vacations, and divorce lawyers. Despite ample evidence and the hiring of a PI, I have no been able to get assistance outside of those I talk to on the phone. My banking institution I was with XXXX does not return emails or voicemails. The one police report I obtained, does not offer any information outside that I have reported identity theft. Also, fraud departments are not calling me back ( though this may be due to COVID ). However, I am sitting at about 50-60K of student loans that have been absorbed by my ex friends, and XXXX K of fraudulent student debt with no resolve in sight of obtaining those funds back. I understand that my ex friends are influential, which is how they were able to put my phones and laptops on their company plans illegally, however I am not going to be liable for their XXXX runs in other cities all day. 

The school loans fraudulently obtained occurred while I was attended XXXX University beginning in the year XXXX. My loans are now almost maxed out. 

Also, I am aware that my name and address were changed fraudulently across all of my accounts, which is how I discovered SOME of them. Their address at XXXX XXXX XXXX XXXX XXXX XXXX nc is listed fraudulently on my credit report. The XXXX XXXX picture I'm attaching is ONE piece of evidence. I called XXXX - the ONLY way they would have been able to put my phone on XXXX  is that someone in XXXX  or XXXX XXXX gave them specs to my device. I obtained a new XXXX XXXX XXXX XX/XX/XXXX, with a new carrier, new number, and new email and XXXX XXXX - XXXX XXXX   began showing on the phone. There is a ticket ID in XXXX for the craziness I have experienced # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A few days before XX/XX/2022 I notice my fico score significantly dropping from an XXXX I called the XXXX Police Department on XXXX at XXXX with officer XXXX, XXXX ( badge number XXXX ) Case Number XXXX the charges are Fraud and information fraud. I just can't believe the XXXX XXXX, Equifax, XXXX have the audacity to write back investigation results verified and updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed an account and a few inquiries on my report I do not recognize

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 2022-11-02
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: Account status incorrect

Complaint:
Good day. 

I called XXXX and spoke to them and expressed my financial struggle. I also explained to them that I am going to apply for the XXXX forgiveness loan. She explained to me that she didnt have information on that and I could call back for more information. I spoke to them a second time prior to credit reporting, and I am sure the call is recorded and I was not informed as a matter of fact misguided and misrepresented with the information. Now I am showing XXXX  days past due on all my student loan information without a true representation of my conversation with them.

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