BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-30
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: Their investigation did not fix an error on your report

Complaint:
FIRST, I was an EQUIFAX Data Breach Victim. EQUIFAX has done ZERO to assist correcting disputed information on the public file under its control. 
NEXT, TWO FTC Reports was created for CREDIT CARD FRAUD, BANK & WIRE FRAUD, FAKE CASHIER CHECK SCHEME [ NATIONALLY reported, which financially destroyed debtor ] and said FTC legal Reports was submitted to the 3 credit bureaus ( which included & provided supporting information such as creditor names, acct numbers, disputed amounts, dates all submitted with SS card & ID ) and submitted to the creditors for verification. ONLY XXXX verified with creditors and DELETED the disputed the falsely reported credit file information. 
This COMPLAINT is being filed against EQUIFAX and XXXX ; due to their attempt to CHANGE, USURP, CIRCUMVENT, RE-WRITE, or DRAFT their own version of the LAWs under FCRA and under FDCPA ; where the LAW states the BURDEN OF PROOF is upon the 3 bureaus and the creditors ; not upon the debtor disputing the misinformation posted on the 3 bureaus ; INCORRECT information which was paid by the creditor to the 3 bureaus to publish. XXXX and EQUIFAX has, in BAD FAITH, requested DUPLICATE information already submitted under said FTC Report. This intentional acts of continued defamation has caused direct damages including lost employment, rejected employment, rejected insurance, rejected credit, and loss of business reputation as an OFFICER OF THE COURT. The PROPER solution is for EQUIFAX and XXXX to follow XXXX XXXX example by DELETING & REMOVING the DISPUTED credit files which are ERRONEOUS, FALSE, MISREPRESENTED, MISLEADING, FACTUALLY INCORRECT published information ; destroying a tax payers life, and destroying a public servant 's life. Again, the LAW, under SECTION 609, states the BURDEN OF PROOF IS NOT upon debtors, but upon CREDITORS and the THREE BUREAUS to properly publish that the information being reported is TOTALLY CORRECT and, if not, DELETED from the 3 Bureau 's public reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX Account # : XXXX Southwest Credit Ref # : XXXX I was a loyal client of XXXX XXXX XXXX for 4 years until my son needed a cell phone. After clearly explaining what services were needed, their representatives advised me to purchase products that did not meet our needs. 

Several repeated 2-4 hour phone calls resulted in returns and additional products that did not meet our criteria. 

I had to escalate the issue several times since XXXX XXXX XXXX refused to take responsibility for not only the ineptitude and rudeness of their employees but also refused to correct the billing. 

In fact, I warned the escalation department they were going to lose a 4 year loyal Client unless they did the right thing by correcting my account several times. 

Instead they chose to show me how little my business and loyalty was worth by refusing to admit their mistakes and credit my account. 

So I switched to XXXX. 

Since I cancelled my account with XXXX XXXX XXXX, I have been waiting for my " final bill '' so XXXX could buy out my contract. I was told by an XXXX XXXX XXXX representative the " final bill '' was in the mail. It never arrived. 

Another XXXX XXXX XXXX representative told me I had to log in online however when I did, my account was locked. 

Now months letter I am getting phone calls and threatening letters from Southwest Credit demanding money. 

I suggest they read the Notes and see how many times I asked XXXX XXXX XXXX to fix their mistakes, that I did not want to switch Carriers but I would if my business was not appreciated. 

I can dig through the remains of XXXX XXXX XXXX and get names and dates. Most of it was taken out with the rest of the trash. 

I will never do business with XXXX XXXX XXXX again and strongly suggest the President of the company cleans " his '' house. 

Since I have had to deal directly with the President 's Office on a different occasion and on the behalf of another abused consumer, I am not holding my breath. Their employees are garbage and they do not care about loyalty or Client retention. 

XXXX XXXX XXXX and Southwest Credit ... DO NOT CONTACT ME AGAIN. DO NOT TAKE ADVANTAGE OF YOUR MOST LOYAL CLIENTS AND EXPECT THEM TO STAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
my coinbase account was restricted and they say that I am under XXXX when I have sent them my drivers license many times I was born XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OCWEN recently merged with PHH Mortgage. 
On XXXX XX/XX/2019, I received PHHs Escrow Account analysis indicating a shortage in that account. 
On XXXX XX/XX/2019, I paid the shortage in the amount of {$780.00}. That check has cleared, I have proof of that from my bank statement. 
Sent several messages to PHH through their internal website messaging system inquiring why my monthly payment was increasing after I pointed out that their analysis of my escrow account was inaccurate and after I paid the full escrow account shortage. 
I received 2 confirmations that my messages were received by PHH, yet I received no response to my inquiry. 
I called PHH on XXXX XX/XX/2019 asking why they hadnt responded to my messages and was told they never received anything internally, yet their website provided confirmation numbers of my messages. During this conversation, their representative explained that I needed to fax any documentation that I had supporting my claim to their tax department. 
On XXXX XX/XX/2019, I faxed PHH my documentation, which consisted of my County estimate of property taxes and my County approval of a 25 % reduction of property taxes for elderly and disable persons to their tax department. 
My Countys property tax amount was lower than PHHs estimate and neither PHHs or my Countys amount calculated the 25 % reduction into the final figure. 
My paperwork clearly indicated that PHH is overcharging me by {$38.00} monthly for my mortgage payment beginning on XXXX XX/XX/2019. PHH has both of these documents and hasnt responded to a legitimate customer inquiry To date, I have NOT received a reply from PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: SYNCHRONY FINANCIAL
State: AK
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 pulled my credit due to a recent fraud situation and found several credit inquiries that I did not authorize. I wrote letters to the companies and did not ever get a response back. These are not my inquiries and they need to be removed from my credit report. It is negatively impacting my ability to get credit and I will seek legal action if it is not resolved 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 explanation
Consumer complaint received 2019-09-30
Company: BMW Financial Services NA, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Been disputing this account a not mine this is been close and not mine BMW FINANCIAL SERVICES since 2012 Acc # XXXX call them was unable to get more information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have sent out three letters stating the other addresses on my credit reports are inaccurate. They refuse to remove them, I have also contacted companies who said they have reported to XXXX, Transunion and XXXX, but they still insist on not removing the addresses. Last letter dated XX/XX/18, my third try, I will act on suing 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
Consumer complaint received 2021-05-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I tried to withdrawal {$300.00} from my checking account and Chase told me my account didnt have enough money. I proceeded to check using my mobile app and add the missing {$30.00} needed to withdrawal {$300.00} and when I went to complete the withdrawal it say my account once again didnt have any money. I checked my account in the chase app once again and this time it showed me a withdrawal of {$300.00}. The ATM never gave me any money yet it was taken out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
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: Old information reappears or never goes away

Complaint:
Old information reappearing

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 2018-03-18
Company: BMW Financial Services NA, LLC
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:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX, XXXX XXXX, XXXX Re : Account Number XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company BMW Financial, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney or sell it to another Creditor without providing proof of the original contract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have written to Transunion several times to address a few accounts on my credit report. under section 1681 I am entitled to a fair investigation into accounts reporting on my credit. I have spent money that I can not afford in mailings and certified postage over the last several months and I am unhappy with the way Transunion is handling my requests. I need the CFPB to help me deliver this message. Transunion is the ONLY company reporting this information and its impossible the account would be removed for non compliance with the 2 bureaus yet verify compliance ONLY with Transunion ... Transunion never did their job and under section 611 of the FCRA I request their procedure into my 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 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX  with whom I apparently owe {$2000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2018, and XX/XX/2018 that I have repeatedly made these offers. XXXX XXXX  on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on XX/XX/2018. 

I have since been harassed by XXXX XXXX  with whom I have no contractual relationship. However, as a courtesy I have kindly offered these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and this agency. The agency has not offered to accept payment from me on either occasion. 

To date XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX  outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 
Thank you very much. 

On behalf of XXXX XXXX XXXX Without recourse By : 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 2020-05-03
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:
Equifax continues to report fraudulent accounts on my report that do not belong to me. They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I received a email notification saying that my banking information was changed via my online banking account for my BofA account. I also got an email notification that somehow, my debit card info was added to another account not related to me. Later on in the day, {$1400.00} was moved out of my account and I immediately called BofA on XX/XX/XXXX. I stated that money was moved out of my account that was not mine as the account numbers were not any I owned and the representative told me that my email was in fact changed and someone had my login credentials and thats how they were able to move money out of my account. I told them I wanted my information changed and they helped me. They opened a claim and said I would get a letter notifying me of the outcome. 

On XX/XX/XXXX, I received a letter notifying me that BofA deemed the transaction legit and was done by me when it was not. Even when I told them that the account number it was sent to was not mine and to check the IP addresses that were used to see where it came from as XXXX sure everything done is digitally recorded, I was still deemed liable for fraud that was done on my account. 

On XX/XX/XXXX, I called and asked for information as to why my claim was denied and the representative told me that BofA deemed it was I who did the transfer. When I reiterated the information I had ( emails I got, logs, etc ) they told me I had to wait 30 days from the day the letter was created to refile a reconsideration. I had to wait until XX/XX/XXXX to do that. 

On XX/XX/XXXX, I called again to put in my reconsideration and was told that the previous representative that helped me failed to even note down on my file what I said and gave me false information saying that I had to wait a month to file for a reconsideration. 

I am still without my {$1400.00} that was taken away from me due to fraud. BofA has been previously found negligent in protecting their consumers prepaid cards and have been sued already for it. They do not honor their policy of zero liability for fraud and do not protect their consumers. I have already began preparing documents to serve BofA in small claims court if they deny by reconsideration. I have done my due diligence by calling to put in claims in an orderly fashion, gathering information, and giving relevant 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 monetary relief
Consumer complaint received 2018-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On several occasions including XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I requested Transunion send me copies of the original documents I signed with XXXX XXXX XXXX and XXXX XXXX. Under section 609 of the Fair Credit Reporting Act, I am to receive these items within 30 days or any disputed items is considered UNVERIFIED and must be deleted.

Transunion has never sent me any documents from any requests I have asked for. According to the FCRA, Transunion must have copies of all original documents in their files. At a consumer 's request, copies should be sent to the consumer within 30 days.

At this point Transunion has violated the FCRA and has not verified the above accounts and they should be removed 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 explanation
Consumer complaint received 2017-12-03
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 have an American Express card ( cardholder for about 35 years ) and it has 3 cards attached to it. 
One of the card holders ( Card # 3 ), I noticed charges from an XXXX-related internet service from the State of Washington, in the amount of {$14.00} for several months. 
The card holder denied ordering this service ( I know they would never use such a service ), and they called XXXX to inquire/cancel the charge. 
The charge - despite being cancelled/disputed - continued to hit Card # 3 's American Express card. So I did the next best thing. I cancelled the XXXX card # 3. 
Today, I saw this totally bogus charge of {$14.00} hit my OWN card ( Card # 1 ). 
IMHO this can only happen if this is an inside operation between XXXX and XXXX. 
Here is the bogus charge which hits every XX/XX/XXXX of the month : XXXX XXXX XXXX {$14.00} State of Washington.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Experian are reporting incorrectly on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This is an unsubstantiated debt and should not be showing on my credit report. This account was removed from my credit report in XX/XX/XXXX and is now re-appearing with a reporting date of XX/XX/XXXX with a different account number. This is an absolute violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report immediately. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

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