BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: CT
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 writing to address an on-going issue of identity theft that continues to cause me frustration and disappointment in my interactions with your credit bureau XXXX In XX/XX/2022, I initially contacted your bureau to report a severe case of identity theft, which has significantly impacted my life, causing distress and hardship. Despite furnishing extensive documentation and supporting evidence to substantiate my claims, I have encountered a series of frustrating obstacles and delays in the resolution process. It is essential to reiterate that the burden of proof does not rest with me but with your bureau. Your responsibility is to conduct a thorough investigation into these matters and rectify the discrepancies that have caused me significant trouble. I use the term " nuisance '' to characterize your bureau 's response because, despite numerous attempts to engage with your organization, I have not witnessed the progress or resolution commensurate with the gravity of this situation. Now, I'd like this account DELETED from my report : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My husband is turning XXXX and we called to cash in IRA CDs he purchased XX/XX/XXXX through XX/XX/XXXX. Mellon Bank was purchased by Bank of New York and we were told the IRA CDs were held under XXXX Mellon. We provided XXXX Mellon the information from the CDs ( we have the original certificates ) but they claim they can't locate them. They keep giving us the run around and are not even trying to locate our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My rights under Hippa were violated by XXXX XXXX XXXX XXXX XXXX. I have disputed such information many times with Experian Credit Bureau. Under XXXX XXXX XXXX do not have the right to access my medical bills, medical information about me without my consent. Experian has allowed XXXX XXXX to report protected health information to my credit report without proper investigation and blatant disregard for my rights under HIPPA. This is a violation of HIPPA Public Law 104-191. I have contacted both companies several times with no results. I have never granted or given permission to XXXX XXXX to view my private health 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 explanation
Consumer complaint received 2023-09-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My mom was a customer at Chase Bank. She passed away XXXX XXXX XXXX Me and my sister are beneficiaries on her account.She had {$1000.00} in her checking account. Chase placed a hold on her account because she would receive a social security payment and the last payment was deposited in her account a few days after her death. Chase claim to put a hold on my mom account because she so called was not entitled to that last payment because it was made after her death and until social security took back the money they deposited they could not release the funds in her account. I then contacted social security because it has already been 7 months since she passed and they had not taken the money out. Social security told me that my mom was entitled to that payment because even though the money was deposited in XXXX that payment was for the month of XXXX and in XXXX she was still alive. They also told me if my mom owed them that payment they would have been taken the money out and that their system shows no overpayment made to my mom. I communicated this to Chase and I keep getting the run around they do not want to take the hold off of my mom account and release the funds. It has been 9 months since my mom passed and there is still a hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
The loan was initiated in XXXXXXXX XXXX XXXX. A loan re-forecast, which resets the amortization schedule for the entire loan, was initiated and completed in XX/XX/2022. From that moment on, PMI should have been removed since the auto termination date would have been re-calculated and it would have been found that we met the threshold to have the PMI removed. I reached out to PHH mortgage to request a refund of the unnecessary PMI payments totaling in {$980.00} which they declined multiple times. Their stated reason for declining was the original PMI auto-termination date of XX/XX/2033. This date changed as a result of the re-forecast.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: CCS Financial Services, 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: Account information incorrect

Complaint:
Credit Collection Serv XXXX {$1200.00} Original Creditor : Not Available COLLECTIONS XXXXXXXX Act. # XXXX Opened XXXX Reported Closed Condition I did not open this account with this creditor in XXXX. If an account was opened it is fraud. 

XXXX  Balance {$500.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Unknown Condition I did not open an account with this creditor in XXXX. If an account was opened it is fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
i received an email asking how was the recent phone call //// but i didnt call nordstrom. i called them, telling them, that i did not call to close my account. it was not me. i am a victim of identity theft. 

i did not call to close my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
XXXX shows a date of being opened on XX/XX/XXXX in the amount of {$3700.00} and {$710.00}, which is incorrect I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX showing a balance still owed and this account has been settled. 
XXXX XXXX shows a date opened on XX/XX/XXXX in the amount of {$1200.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
I C SYSTEM shows opened on XX/XX/XXXX in the amount of {$1000.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX shows opened on XX/XX/XXXX in the amount of {$680.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX shows opened on XX/XX/XXXX in the amount of {$500.00} I did not open an account with this creditor in XXXX. If an account was opened it is fraud. 
Balance : {$220.00} unknown creditor XXXX : {$82.00} unknown creditor

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 2022-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX XXXX, XXXX XXXX XXXX, sent information to Kohls that a package shipped to me was lost during transport. A Kohls rep, XXXX, processed a full refund on XX/XX/XXXX, incident # XXXX. I never received refund. On XX/XX/XXXX, another refund, incident # XXXX, was processed, seeing that the first refund wasnt posted to my account. My Kohls credit card has still not been updated with full refund. Im speaking to another Kohls rep, XXXX, XXXX, about this ongoing incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

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 2023-08-30
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to formally lodge a complaint against Progressive Management System ( PMS ) in light of their continual attempts to collect a debt that unequivocally does not belong to me. 

I was first alerted to this matter by the Credit Bureaus on XX/XX/2023. According to their report, PMS has been persistently trying to collect a debt that I ostensibly owe. This information is entirely incorrect and bewildering as I have no knowledge of any such debt nor have I ever been a debtor to PMS or any related entity. I can not help but think of this situation as a glaring case of identity theft or gross mismanagement on part of PMS. 

Furthermore, I have attempted to rectify this situation several times by directly contacting the agency and explaining the circumstances. Despite those efforts, I have not been met with a satisfactory response or any herald of action on their part. That PMS continues such fraudulent activity is not only damaging to my reputation but is also causing me undue financial strain and stress. 

It is my right as a consumer to be free from erroneous debt claims and to rectify any mistakes promptly and efficiently. Unfortunately, the lack of cooperation from PMS is obstructing me from exercising that right. 

I kindly ask for your help and intervention in this matter. I am eager to collaborate with you in any way possible to clear this mishap and ensure such instances of misinformation that put consumers under undue stress and suspicion are avoided in the future. 

Enclosed with this letter are copies of the notices I received from the Credit Bureaus and my previous correspondence with PMS, illustrating my attempts to resolve the issue on my own. Please reach out at your earliest convenience if you need additional information from me. 

Thank you for your time and I look forward to a prompt and satisfactory resolution of this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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:
Upon reviewing my reports, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update or corrected immediately : XXXX XXXX XXXX XXXXXXXX Balance : {$50.00} XXXX XXXX XXXX XXXXXXXX Balance : {$91.00} XXXX XXXX XXXX XXXXXXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my reports, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update or corrected immediately : XXXX XXXX XXXX  XXXX Balance : {$50.00} SELF XXXX XXXX XXXXXXXX Balance : {$91.00} XXXX XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Early this week, Equifax was hacked. Based on the service they provided to determine if you 're affected, I may be affected. But this whole service funnels back into Equifax, ultimately giving them more opportunities to take advantage of customers. 

In short, their whole business model and role is to do credit monitoring and reporting, and they 've failed to do so responsibly. In reaction, they 've set up a way to confuse more consumers and take more payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Here is the list of account/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened : XXXX -- XXXX Balance : {$1600.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX, received a letter from Bank of America XXXX dated XX/XX/XXXX XXXX that my credit line of XXXX was being reduced down to {$500.00} XXXX and XXXX for cash advances XXXX. Their stated reasons : Current or past delinquency on one or more of my accounts Pattern of Payments on one or more of my accounts or affiliates Payments relative to balance on one of more of accounts with BOA or affiliates were too low. 

Upon speaking with them : Determined that there was an outstanding balance of XXXX DOLLARS AND XXXX CENTS over due since XX/XX/XXXX. I indicated to them I never received a bill nor notice of the outstanding balance and they acknowledged that no notice was mailed to me, nor contact made to me about outstanding debt. They indicated that I have paper suppression on my account, which meant that they would not have mailed me a notice, but they also said there would have been no way for me to know without such notice being received. In short, I did not know I owed them less than XXXX dollars. 

I paid the balance and asked that the original limits ( XXXX ) be restored. They told me " nothing could be done '' because there was an outstanding balance of XXXX DOLLARS AND XXXX XXXX CENTS when they conducted the audit. 

I have been with this company for 17 years. I have an EXCELLENT PAYMENT RECORD and EXCELLENT credit rating. The majority of payments I have made in the past have either been in full or paid off completely within a couple of months. 

I believe that the reduction in credit was discriminatory in nature and incorrect. 
I have filed a customer complaint with BOA and also closed my account. 
I would like this matter investigated.

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 2023-03-16
Company: CREDIT ACCEPTANCE CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
My complaint is about XXXX credit bureau I have disputed credit acceptance for this reason my online account says {$5.00}, XXXX for remaining balance the initial balance {$12000.00} my credit report my credit report says {$4400.00} the original balance says {$8200.00} when my online account says XXXX and it's only 46 % paid off that is totally incorrect I am asking for a XXXX I want this removed XXXX did not verify they could not have verified and I have read they have violated a lot class action lawsuit recently I got very well educated the last few days on this I also read that study found one in four had had one or more errors under credit report during 2020 I am really upset about this this is affected me a lot I spend all of my time researching and trying to fight for what is right I disputed with student loans also I am on the income driven plan if they would have verified correctly that would have got fixed the late payments I feel they should be held accountable for that that is unprofessional and very unethical I have disputed with credit acceptance a couple of different times it always comes back shortly after verified it's going to remain that is so unfair and I'm asking for a XXXX I am XXXX XXXX XXXX with a lot of health issues credit acceptance is taking me through the mud I even seen on my inquiries they're inquiring on my credit too that is credit slander and XXXX doesn't see that? That's scary but I am firmly asking for a XXXX I fight when I know that I am right I paid over {$8000.00} for that car there is no way I should still pay {$8000.00} as well over the XXXX XXXX XXXX XXXX XXXX  on the high side is XXXX that's an excellent condition and that car is not an excellent condition but they both violated the Fair credit reporting act big time I'm also going to contact the Federal trade commission and the state regulator something's got to be done about this I don't think it's fair that that repossession stays on my credit when they violated the Fair credit reporting act I can not stress that firmly enough I'm going to attach my proof

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