BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-20
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: Public record information inaccurate

Complaint:
I had a IRS tax lien placed on me XXXX/XXXX/XXXX. I paid it off and the lien was released XXXX/XXXX/XXXX. Therefore, I have no balance and the negative report should disappear. I requested the change by XXXX and Equifax. They made no changes and claimed their data was correct. XXXX XXXX removed the negative report when I requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, this incident scam began in early XX/XX/2022. I had posted on XXXX and applied for a job posted there ( XXXX XXXX ). The scammers claimed to be from the company, did an extensive interview ( via XXXX ) and then sent a check via XXXX  to be deposited in my TD bank account to pay for work related materials. Check amount was nearly {$5000.00}. The bank cleared the check overnight and then the scammers requested to do various transactions to pay for work items ( via XXXX, XXXX ). Transactions were not working ; thus, they requested that funds be returned to them via XXXX. I withdrew {$4700.00} and sent via XXXX ( XXXX locations ). Since the bank had cleared the check and showed funds available for use, I did not suspect anything. However, when scammers tried this process again, I refused to do it and realized that something was clearly wrong. Unfortunately, the check that had cleared was fraudulent and {$4700.00} was lost. The bank accepts no responsibility even though they continue to clear checks for scammers - and never at any point do they warn customers or adjust their policies or procedures to protect the customer. All polices and procedures are complimentary for scammers - and thus, the reason they are able to do what they do ( even after they are detected ). XXXX  is even worse as scammers were using that delivery company to send the checks- and the account they were using belonged to a company ( their account was being illegally used as XXXX  does not protect accounts from such fraudulent use ). Additionally, XXXX has information as to who the scammers are - as the scammers had to pay for services - but XXXX refuses to turn over information to the authorities or to victims. XXXX is protecting the scammers in a way they never protected their own clients or recipients. Please help in any way that you can. The XXXX tracking # XXXX ; also, why are checks for such large amounts from out of state being cleared so quickly - and why do banks not have check verification systems? Thank you - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I have been working with Lexington law firm and I was working with them to improve my credit they told me that the items will be removed and they was removed but now I'm get notices for me to pay the same things that was removed so I contact Lexington law and was told XXXX 's a supervisor that it's not not fully removed so I'm confused why emails saying they were removed but they can come back then she said in contract that I was told I told her no I wasn't your suppose to be credit repair and help get those items that I'm disputing off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Experian Information Solutions Inc.
State: OK
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:
Experian is reporting on my credit profile a " FP '' from XXXX credit these account should show as closed and included in a chapter XXXX however they keep reporting as I owe this and it is a failure to pay

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 2018-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I took out an equity line of credit from Bank of America to pay off ( 5 )  countrywide existing loans, which in turn paid them off in full from my main home which had no loan. The loan was {$350000.00} equity line of credit. It was very easy 11 years ago. The loan agreement was that after the 10 year term the loan would be converted to a new 30 year fixed loan. THIS did not happen and now the payment have increased to a 15 year variable loan. which in turn have increased my payment from {$800.00} per month to {$2700.00} per month. This was a scam by Bank Of America. They have refused me a new modified loan as they originally mentioned. I need to either find a new loan and join the class action lawsuit or file my own lawsuit against Bank Of America. They also have lowered my credit score by their continued inquiries from XXXX to XXXX. This HAS TO STOP. I need your help in this matter as soon as possible. I can be reached at XXXX or by email at XXXX or my backup phone is XXXX. I can be reached 24/7 .Thank you for your advice and help in this matter. 
Sincerely yours, XXXX XXXX retired on XXXX 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 2023-01-30
Company: Experian Information Solutions Inc.
State: NC
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:
I contacted both XXXX XXXX and Experian regarding a debt that was reported inaccurately to my consumer file. I sent a certified letter to XXXX XXXX on XX/XX/2023, they recieved that letter XX/XX/2023 telling them that I was not even in the state during the reported time of medical debt, and asked them to verify. They were unable to verify the debt that belonged to me and it was removed from both XXXX as well as XXXX, and however, Experian responded to my dispute as they were able to verify this debt without any documentation supporting their decision. Please see all attached documentation that was sent to both consumer and Experian.

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 2023-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I applied for a business auto loan on XX/XX/2023 I received an email that I was approved in the email it advised me to give the company a call. 

I called in spoke with a representative who also agrees that I was approved minutes later she told me I had been denied because their 3rd party couldnt verify my current address.

I explained to her I could provide proof address she said no and sent me a denial email. I asked to speak to a supervisor she said one was not available and someone would call me back. 

I later received a call from XXXX saying the same thing but they couldnt provide me with the 3rd party who has access to my personal information I would like to know what 3rd party they are using. XXXX stated she would reach out to her manager and give me a call back later which I still have not heard anything back yet. 

I called back later that evening and I was told the 3rd party updates every 30 days and mine has not been updated since XXXX so it seem to me that is an error on the bank end not mine I would like to be given the option to provide proof of my residency so that I can proceed with my loan approval attached you will find the loan approval and the reason for loan denial this is wrong and I am asking for help. 

My address is current on my XXXX credit report which all customer service representatives I spoke with confirmed so I would like to know where they are getting their inaccurate information from. 

Thank you

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 2023-06-29
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23 I initiated a wire with Chase Bank for an equipment purchase for {$20000.00}. I quickly learned that the intended recipient had their email account compromised and the wire information was change to a fraudulent account resulting in me sending funds to a fraudulent XXXX XXXX account. 

I immediately issued a wire recall and opened a case with Chase Bank. I have inquired multiple times on the status with the case with the Wire Recalls department and they instruct me that a " Hold Harmless '' letter is being required from the receiving ( fraudulent bank ) and I must contact the Chase Claims department. When I call the Claims department, they inform me that they do not issue Hold Harmless letters and I need to contact the Wire Recall department. 

This has been going on for nearly 2 weeks and each time that I call in I get a runaround answer and end up going in circles. My fear is that this case will be closed if the proper documentation is not issued by Chase bank to recall my fraudulent wire. 

XXXX XXXX wont speak to me since its not my account ... But clearly this wire should not have even been successfully processed if it was sent to an account that did not a have matching business name/address to the account/routing number. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was working with my relationship manager XXXX XXXX XXXX at Ocwen Home Retention Dept.since XX/XX/XXXX, and she was helping me with loss mitigation offers since last year. Therefore, in XX/XX/XXXX I was offered a loan modification in which I accepted and submitted to Ocwen by email in which I received a confirmation on XX/XX/XXXX. During my myriads of telephone conversations with Miss XXXX at Ocwen I was reassured that while I was working with my relationship manager to find a solution for my loss mitigation options to retain my home Ocwen will not go forward with a foreclosure. However, in XX/XX/XXXX Ocwen filed a motion to restore my foreclosure case ( Index No. XXXX XXXX Supreme Court ). Even though I was working with Ocwen in good faith to get either a short payoff offer or a loan modification during the time period in which Ocwen 's Attorney 's filed a motion to restore my case for foreclosure I was appalled to learn of their action. Furthermore, when I when to Court today to inform Ocwen 's attorney 's that I accepted a loan modification and showed the attorney from XXXX, XXXX and XXXX XXXX. 
proof and confirmation of email they did not remove their motion to restore.There was a letter submitted to the Honorable XXXX XXXX XXXX on XX/XX/2018 by the attorney 's for the Plaintiff, through it's servicer, that an active " CFPB '' hold applies to the Action base on loss mitigation activity. 
In pertinent part, the CFPB rules amended Regulation X which implemented the Real Estate Settlement Procedure Act ( " RESPA '' ). The CFPB rules prevent " dual tracking '' where a servicer is simultaneously evaluating a consumer for a loan modification or other alternatives at the same time that it prepares to foreclosure on the subject property. 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: FirstPoint Collection Resources
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent in a certified letter of validation dated XX/XX/2023, but the company failed to send proper validation documents of the debt being owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
THESE ACCOIUNTS ARE NOT MY ACCOUNTS

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 2020-01-22
Company: Experian Information Solutions Inc.
State: NV
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:
There is an account that isn't mine, and inquiries weren't authorized.

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 2023-07-30
Company: ProCollect, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023, I was informed by the XXXX Credit bureau that I have two past due balances with XXXX XXXX in the amount of {$5300.00} and {$5800.00}. I spoke with the apartment complex on XX/XX/2023 and i explained that i had not received any noticed. They mentioned I should contact Pro-Collect since it was already in collections. I contacted Pro-Collect, Inc. on XX/XX/2023 and spoke with XXXX XXXX to request additional details about the alleged debt since I received no official notification prior to XX/XX/2023 with XXXX XXXX or Pro Collect inc. I was informed of a balance of {$5300.00} on my account. I asked if that was the only balance I owed and XXXX XXXX verified that it was. I was informed that I needed to pay that debt by the end of the day or make 3 monthly payments of approximately {$1800.00}. XXXX XXXX stated he spoke to his supervisor about getting a settlement of {$3500.00} but I would need to pay it by Wednesday XX/XX/2023. I requested time to reach out to my bank in order to secure a loan to cover the alleged debt. XXXX XXXX informed me that I had to leave a card on file for the time being while coordinating with my bank. Unfortunately, I was unable to secure payment for the settlement amount and called XXXX XXXX on XX/XX/2023 at approximately XXXX pacific standard time to request that my card be removed. XXXX XXXX stated he was unable to remove my card on file due to it being late in the day and the payment was set to be auto-drafted on XX/XX/2023. I informed XXXX XXXX that I was never sent an official notification of the allege debt and formally requested that he send me one via secure email or certified mail. XXXX XXXX stated that he would not be sending me official documentation and when I requested to speak to his supervisor or manager, he refused. During this verbal interaction with XXXX XXXX, he hung up on me on three separate occasions and placed me on hold twice while I was talking. In my opinion XXXX XXXX actions were unprofessional and has hindered me from receiving legal notice of an allege debt. Furthermore I feel that XXXX XXXX was being deceptive by carrying out unfair trading practices as I was not made aware of my rights nor the amount owed.

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 2017-12-10
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I own several personal and business cards from American Express. Generally, I am quite satisfied with the level of service and professionalism that the bank provides and we share a mutually beneficial relationship. I spend a lot of money annually between all of my cards and for that I am awarded a mix of cash back, and reward points. Our relationship spans many years. 

This complaint is regarding my reward points. Sometime in XXXX of this year, I tried using some of my points and was unable to do so. It seems that American Express had placed my account under review and during that period the rewards are inaccessible. I was not notified in writing or otherwise, prior to this review being done. I was not warned. As far back as I can remember I have always been notified of any changes done to my account. This would be the first time that this was not done. 

I have called in quite a few times regarding this, and each time I am told something else. A request to have this concern escalated and resolved was placed, with a promise of a call back or response within 5 business day, but I never heard back.

Most agents do not seem to understand what is going on, and no one can provide me with an explanation. As of today, it seems that my account is still under review.

The most that one agent was able to advise me was that the review is due to some minor refunds I made on my business card. I do n't understand how that may be related to this issue. Another agent advised me that it may take 6-8 weeks from the initial date to hear back, while another told me it could take up to 10-12 weeks. Each agent advised me of a different start date as well so that the completion date varied. I was also told I would receive a call or letter, but none has been received to date. 

I requested to speak with the individual or department handling my account so that this matter could be resolved once and for all. No one was able to provide me with a contact number or name, and there was n't an option to be transferred to them by the agent answering my call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collections account has been placed on my Credit report by a third company regarding the same alleged debt. This third company " Consumer ADJUSTMENT CO '' has placed a collection account on my credit report in the amount of {$580.00}. As stated earlier this is the third time " XXXX XXXX '' has been placed on my credit report via a third party collection agency. This alleged, false debt has been previously addressed with XXXX XXXX XXXX and most recently with XXXX XXXX solutions. I have previously filed a complaint and the complaint was resolved by XXXX XXXX XXXX deleting the account from all of my credit reports. The complaint I filed with the CFPB has a reference number of XXXX. I have no knowledge of Consumer Adjustment Co prior to seeing the account on my credit report. I have never had an account with this company and have also never had an account with XXXX XXXX. Consumer Adjustment Co has placed this account on my credit report without any prior notice to me. I was not given the opportunity to dispute this prior to it being placed on my credit report and that is a blatant violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation