BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX  accessed my credit file with Transunion without my permission. This is a fraudulent inquiry, which I did not authorize, since I never authorized anyone employed by XXXX XXXX  OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got,  and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX  did, and this in addition to several other inquiries started after the XXXX data breach publicly known.

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 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is attempting to collect on a debt I do not owe for XXXX. This is also really old and past the statute of Limitations in California. This debt is not owed and needs to be removed off of my credit file.

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 2020-06-30
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted Lexis Nexis and filed a dispute because they are reporting a bankruptcy disposition date of XX/XX/XXXX to XXXX. However, the disposition date is XX/XX/XXXX. They are also reporting a date reported of XX/XX/XXXX to XXXX. This is also inaccurate. I did everything right and waited two years post bankruptcy to buy a home using my VA eligibility. However, the whole process has been halted for months because when the mortgage company runs my XXXX  credit report, they see a bankruptcy disposition and report date of this year ( XXXX ), not the correct date. Because of this, they say I must wait two years from XX/XX/XXXX date reported. This is not right. XXXX closes all disputes and tells me to clear it up with Lexis Nexis. I have repeatedly file a dispute to correct the date via email nd mail to Lexis Nexis. I  even supplied Lexis Nexis with my federal court discharge paperwork showing disposition of XX/XX/XXXX. The lady at Lexis Nexis said the reported date of XX/XX/XXXX on the credit shouldnt matter, but it does matter to VA underwriting. In addition the date is not correct and should reflect correct date regardless. I contacted the bankruptcy court and they also stated they do not verify any information for Lexis Nexis or  anyone else. They also informed me that nothing else is in our file past XX/XX/XXXX. They said the XX/XX/XXXX was the result of an error or fraud. This needs to be resolved so I am privileged with my rights as a consumer to buy a mortgage and use my VA eligibility. Until the disposition and reported date is correct, I can't move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 an account from ic system inc showed up on my credit report as a new account just opened and is reported monthly as past due on my credit they are declared as a collection for XXXX  however I have never had XXXX  i did not open an account with anyone in XX/XX/2020 and I have disputed this on my credit and requested proof of this account and am never provided proof of this account a itemization of charges and proof of ownership besides the fact that it is reporting monthly as a new account this is effecting my credit and my ability to purchase a home for my family

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 2018-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Went to apply for a job and was informed I owed XXXX for an account that was opened with Bank of America. I don't understand why I would owe when I am part of a class action lawsuit against bank of America I tried reaching out to the bank and which they informed me they couldn't locate the account. This balance were fee accesses

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 2018-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Being a Capital One customer for over 9 years, I decided to take advantage of an upgrade to my account that was advertised as 1.5 % Cash Back, NO Annual Fee and {$150.00} cash bonus after a certain amount of purchases. 

When attempting to execute the offer, they would only upgrade me to the 1.5 % cash back but would not give me the other benefits. 

After debating with the XXXX XXXX, I was offered the No Annual Fee, but not the Cash back. 

When I decided to accept that offer, ( which I have saved on Chat with Service ) the asked me to disregard the offer and required an Annual Fee. 

Capital One is misleading, untrustworthy and disloyal. The also showed complete disregard for any issue that would create a negative effect on my credit should I cancel the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Per my last complaint. This account has been in dispute with Hunter Warfield since XX/XX/2018. A certified dispute was mailed to the collection company multiple times requesting an itemized report of the alleged amounts owed and why. A copy of the lease has been received from Hunter Warfield, but this company has failed to comply by my request of an ITEMIZED report of WHAT is owed and WHY. A copy of the lease does not fulfil the request of an itemized report of the amounts owed and why. I have request this information because I was NOT evicted from this property. I do not feel that I am obligated to any amounts owed. Hunter Warfield has had over 120 days to provide proper verification of the amounts owed via the multiple disputes received regarding this account. Based on my last complaint, Complaint # XXXX-XXXX, a representative from Hunter Warfield was able to confirm that they have indeed received my request for verification of the amounts owed. They have not provided proper verification of the amounts owed. By law Hunter Warfield is obligated to provide the requested information within 30 days of the initial dispute. They are now breaking the law by keeping this inaccuracy on my credit report without providing me with the requested documentation. I do plan to use my rights under FCRA, to sue for deformation of character. Again, this is against the law. Attached is another copy of the notarized Dismissal from XXXX County Court house. Please DELETE this account. Balance owed is {$0.00}. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to this company several times one time I was offered a debt settlement then they took out a different amount and I kept requesting everything in writing they never sent me anything in writing for verification of the final date or a final that agreement none of which was ever sent to me. Now Im getting calls from a company called XXXX XXXX   and yet there I requested debt validation and original call original copies of the of the agreement none of which has been provided to me XXXX XXXX has a number of XXXX I asked them for a fox a mailing address or an email and then it which has been provided to me also

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
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: Information belongs to someone else

Complaint:
I have be a victim of identity theft, FCRA says that fraudulent information should be block from the consumer credit file.FTC complaint has been file and police report will be file too. 
Please correct this information.

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 2018-08-29
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: Personal information incorrect

Complaint:
This is the third time I have disputed my file about address that are not mine and are not mine.I have looked over my credit report and I see several addresses I do not live at listed on my report. the following address are not mine and need to be removed. My Name is XXXX XXXX  XXXX XXXX, My employer is XXXX XXXX XXXX XXXX the following address are not mine please delete 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13
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:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-11-07
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 Ocwen Loan Servicing provided a payoff for an investment property that I have had for approximately 11 years. The property was under contract and closed the first week of XX/XX/XXXX. I received a call from the closing attorney 's office in late XX/XX/XXXX indicating there was still a lien against the property and that I needed to pay the balance. I was told by XXXX XXXX XXXX, Paralegal XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX that she was filing a claim with the title insurance company to protect the interest of their client. I received a call and email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and provided her with the same information I provided to XXXX. In my multiple conversations with Ocwen I have been transferred to multiple dead ends to have the problem with the incorrect payoff resolved. It is my understanding, although I have no communication from Ocwen, that foreclosure proceedings have began against the property. The loan is currently reporting as a XXXX balance across all credit bureaus and yet I am continuing to receive emails from the title insurance company and today a derogatory email that I wasn't meant to be copied on from the closing attorney 's paralegal XXXX XXXX in which she referenced me saying, " He will try and feed you a bunch of you know what, believe little of what he tells you. '' I had assumed since there had been zero communication from anyone that this matter was resolved until today exactly 5 months since the closing. I have read about multiple complaints nationwide against Ocwen for the same problem. I do not owe a balance.

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 2018-08-29
Company: EQUIFAX, INC.
State: OH
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 am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receive robo calls from a firm identified as ERC. Have blocked their number XXXX with my provider XXXX, which worked for awhile but now are being repeated daily. XXXX advises ERC uses multiple numbers which defeats the blocking feature. They advised me to report this to you and that you would follow up on their violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
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:
Evergreen Professional : XXXX I have paid this debt & it is still reporting and updating on my credit file with a balance. This needs to be removed from my credit file immediately. I no longer owe this debt.

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 2018-06-23
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've already filed a complaint one time before with the cfpb and the company response was they will send me something in the mail. They didn't. I've sent them certified letters and they still haven't responded. I want this off my credit report because they won't validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: UMB FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
UMB Bank locked my banking account immediately after opening and has forced me to turn over several pieces of personal information to 'verify ' my identity even after completing the application in full and receiving approval. Requesting copies of social security documents, mortgage documents, and drivers license are incredibly invasive and unnecessary, especially since account has already been approved and my identity verified. They are threatening to close my account if I do not supply documents by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage and escrow account was transferred from XXXX XXXX XXXX Loan # XXXX to XXXX XXXX XXXX XXXX loan # XXXX I have NEVER MISSED A PAYMENT. 

Either XXXX XXXX or XXXX XXXX did not pay my ESCROWED insurance and is now XXXX XXXX is force placing insurance on my account. My first payment to citizens one was XX/XX/10. 

I was unable to speak to a live person at either company. 

They did not do their job and now I am penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, 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:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2018, I transferred {$500.00} to someone online through the Chase Quickpay. 5 minutes later I realized this person is a Scammer and the transaction is still in pending. So I reached out to the bank right way trying to cancel the transaction. However, Chase told me to wait for 3-5 business days for the claim. And today they told me the recovery failed. I am really upset since Chase care nothing about the customer loss and they do have rights to cancel transaction when it's pending instead of waiting for 3-5 days for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Disputed XXXX XXXX XXXX XXXX auto loan that was opened on XX/XX/XXXX. After dispute, credit score dropped 40 points and status of account went from from closed to open in XX/XX/XXXX. This happened again another 4-6 times since XXXX. Initiated another dispute on XX/XX/XXXX and credit score dropped another 56 points as of todays date related to account status changing from closed to open. Over the course of the last 7 months, my score has collectively decreased by greater than 100 points.

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 2018-08-29
Company: Mobiloans, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
This company is not legal in Nevada, I have attempted to notify them numerous times to stop collecting on an invalid loan, however they have not gotten back to me. Today I received an email making me aware that my account was sold to a third party agency. This is an illegal loan they should not have the right to sell my information.

Company response to consumer: Untimely response