BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: First Technology Federal Credit Union
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX/22- bank acct was hacked via pH call via XXXX XXXX 
XXXX22- fraud div. At bank immediately notified that I had been hacked. They locked down my accts. 
XXXX/XXXX/22 local police were called to notify them of scam/hack. They took pics of emails/invoice XXXX rec 'd regarding the purchase/hack. 
XXXX/22- bank would not speak with me til I got a new pH/number. 
XXXX/XXXX/22 traveled to local bank branch and chgd all my accts, passwords, XXXX and contact info. Was told 10 days to recover money or given a provisional credit. Told at that time Hack was a total take over of my acct and that {$980.00} had been taken out of ckg and that hackers had transferred {$2000.00} out of my savings to ckg but had not taken anything but the {$980.00} when I had called bank and notified them. 
XXXX22- called bank about {$980.00} was told that XXXX depts working on it at that pt and neither one was doing anything. Complaint was sent to bill pymt unit for cometion. Also I was told that money had been sent to Bank XXXX XXXX and that there was an email of XXXX. original # I called that strated this was XXXX. Person I spoke with was XXXX ( male, XXXX decent ). 
XXXX22- ph 'd bank about any progress XXXX22- contacted bank again and was told my 10 day resolution had started over on the 22nd and that bank had til XX/XX/22 to give a response and they also said that holding out hope of getting money back was slim. 
XXXX22- ph 'd bank again. Left msgs with XXXX, ID branch and main branch in XXXX, XXXX. No response. 
XXXX22-. Rec 'd msg from bank that they were not returning my money and suggested I call the person I sent the money to and ask them to give it back. Returned msg stating this was not going to happen I didn't know the person and didn't want them having new info on me. 
XXXX22- spoke with fraud unit 2 x. They said they weren't aware of bill pymt ctr decision and would look into further. Fraud unit called me back some 3 hrs later and told me that I was at fault and I would have to XXXX up the loss. Told them I had no idea who took my money nor had I authorized the transfer nor did I have a XXXX acct. At a loss as to how to recover stolen money from my ckg acct.

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 2019-10-23
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, My name is XXXX XXXX, I have a mortgage with PHH Mortgage, I am writing this letter because I recently requested mortgage assistance with my mortgage company PHH Mortgage. Upon my request for mortgage assistance much to my surprise I was charged a fee of {$100.00}. I requested the assistance because PHH Mortgage previously sent me documentation that no fees will be charged when requesting for mortgage assistance ( included ). I have reached out to PHH Mortgage regarding the fees charged and PHH has rejected my request to refund my account. I would greatly appreciate it if my District Attorney will please look into this for me. 
Thank you in Advance XXXX XXXX, PHH Mortgage Account # XXXX Property Address : XXXX XXXX XXXX, XXXX AR XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX 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 section 2 : it also states a
consumer reporting agency can not furnish a account without my written instructions

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 2019-09-17
Company: Fleet Financial Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I am formally listing a complaint against iLendingDirect.com. I received an offer for credit to refinance my vehicle at 84 months with a 3 % rate indicating an approval for the terms based on a soft inquiry. The lender then proceeded to make an unauthorized hard inquiry and offered terms substantially different than the terms ( 100bps higher ) expressed in the offering. Their marketing strategy is deceptive, offering teaser rates and terms they are not able reasonably extend to an individual. As this company has engaged in such deceptive tactics, I felt it necessary to report this activity to the CPFB. Please contact me with additional questions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
About a refinance application to my existing mortgage with interest rate of 7.5 % I tried several times in the last two years to get a refinance lowering the rates to at least 3.8 % but were not successful due to false credit reporting by the present lien holder XXXX XXXX XXXX. They reported that I was 30 days late in payments each month, from XX/XX/2019 to the present according to the credit reporting agencies. Before this loan was sold by Wellsfargo to this company I never had a derogatory credit report and my FICO scores run from 600 to 750. I never missed a payment maybe 10 days late but not consecutive 30 days late each month. As I spoke to another mortgage originator today. I was told about this problem. I have statement records of payment from where my account is which is wellsfargo bank that will show I never missed payments to this mortgage. 
I really wanted just to refinance and lower the interest on the loan which is extremely high and I could not get it due to this company 's false reporting to the three credit bureau.

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 2021-10-04
Company: FIRST PORTFOLIO SERVICING INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX a Collection Notice was sent to me for the amount of {$36000.00}. I received the letter on XX/XX/XXXX. 
I called Activate Financial LLC the same day, after verifying that they were a real firm and that this was not a scam. I was told that SS, date of birth, address matched those of the debtor, and that the debt was incurred on XX/XX/XXXX. I assured them that this was not a debt that i had incurred but they insisted it was me and are sending me more information to " jog my memory '' I believe a simple credit search would have cleared this up but that was not going to happen. I have apparently been a victim of Id theft and i hope this is the only Instance. Or this was indeed a scam and I unfortunately gave them some of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
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: Investigation took more than 30 days

Complaint:
XXXX XXXX, XXXX, I obtained credit report from Equifax and submitted a dispute for investigation. 
Equifax report confirmation number XXXX Dispute Confirmation # : XXXX Expected completion date : XXXX/XXXX/XXXX ( Estimated ) XXXX XXXX through XXXX, after the 30 days allowed by law had passed, I was unable to obtain the results of the dispute investigation online or over the phone due to nonworking online/automated systems of Equifax. Additionally, no response was delivered by mail. 

Equifax failed to respond within 30 days and continues to violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 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 2021-07-20
Company: Consumer Adjustment Company Incorporated
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX ( XXXX XXXX XXXX. XXXX, OH XXXX ) opened a fraudulent account in my name in XXXX of 2015. This Fraudulent account has been sold to a collection agency Consumer ADJ. I have tried to prevent any confusion with XXXX XXXX about this fraudulent account. I have requested that this fraudulent account be removed immediately from the credit agencies. I have tried working with the credit reporting agency and the credit grantor to have this account removed from my credit report. Right now I am seeking legal advice in addition working with a police investigator to locate the individual who is responsible for fraudulently establishing this account without my permission or my authorization. If I am unsuccessful with this attempt. I will be forced to file suit in federal court naming the credit reporting agencies, the creditor and the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2021-05-20
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It is very frustrating that this has been going on for several months and they have not given me any or enough evidence to prove that this is my account they keep posting in my report are verified and true. I have been continuously denied of getting loans because of this. This should have been resolved months ago but they don't seem to care at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
My trouble is with my XXXX credit card which is issued by the XXXX XXXXXXXX XXXX Bank. Here is what happened. 

When I paid my XXXX, XXXX bill, I thought I paid in full. I paid online, and chose the " balance due '' option. 

However, apparently, I was charged interest for an extra day or so. This amount was under XXXX dollars ( the bank rounds up any charges to XXXX dollars XXXX. 

I did not get a statement showing I owed money. 

On XX/XX/XXXX, I made another purchase. 

On XX/XX/XXXX, my father went into hospice and died two weeks later. I received a note from XXXX that my account was past due as of XX/XX/XXXX. On XX/XX/XXXX, I paid the balance due. On XX/XX/XXXX, XXXX reversed the late fee they charged because I have an excellent payment history ( my credit score is in the low XXXX ). 

However, XXXX put a 60 day late charge on my credit report because of the XXXX dollar charge from XXXX that I was unaware that I had. 

I tried calling XXXX and the woman was very rude and told me I was at fault. I asked for a supervisor to investigate. I also asked Experian to investigate. 

The charge was not removed. I contacted XXXX credit again in XX/XX/XXXX, after I had been rejected for a student loan because of the 60 day late payment record on my report. XXXX put me through to a supervisor who said there was nothing he could do and advised I contact Experian. 

Experian said there was nothing they could do and I should contact XXXX. 

I contacted Bloomingdales and they said they couldn't discuss the case or elevate it for further review because I had " accepted '' the supervisors ' findings. I asked how I could proceed with arbitration and was told I had already done arbitration and there was nothing more I could do. I asked how I was supposed to have known that I was engaging in arbitration and she said there was no way I could have known but that the XX/XX/XXXX conversation I had with the supervisor was the only chance I had to request a further review by a manager and/or arbitrate the findings. However, I was never notified that was the case. 

Now, I am stuck unable to get a mortgage or a student loan ( except at high interest rates ) for an oversight that resulted in a late payment of under XXXX dollars. I do not think this is appropriate or fair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 : Account # XXXX and # XXXXXXXX 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 XXXXXXXX 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 an 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 or 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 2019-10-30
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Lobel repossessed the car that wasnt mine from the start I paid only XXXX on the car the dealer lied about my address because thats who got the tags and got my application excepted I didnt have XXXX to put down on the car the loan date was XX/XX/XXXX of 2019 the dealer didnt do the registration correctly I got all fix it tickets he withheld my new plates with tags he didnt smog the car and the contract wasnt real it was black n white printed made by him hes a private dealer diamond auto sales and he has ways of doing things and he failed me as a first time car buyer XXXX raised my payments as well the whole contract was fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: MO
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 submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXXXXXX Balance : {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm a home owner Of twenty years And I can not get a payment History from the three Credit bueral Bank of America Did a investigation The information reporting To the three bueral is correct When I look at my three Credit reporting every month They don't show my payment history on my home of twenty years Can this problem be Fixed

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 2019-10-23
Company: AMERICAN EXPRESS COMPANY
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
After missing a connecting flight from XXXX, XXXX XXXX to go to XXXX, XXXX through XXXX XXXX XXXX. I had purchased two more tickets on XX/XX/2019 to leave on in the next day, XX/XX/2019 with my American Express Gold card at the XXXX XXXX XXXX counter. 

Both tickets were XXXX XXXX for each ticket, which was {$490.00} USD for each ticket. Which gave a total of {$980.00} USD. 

A month ( XXXX ) later I see an additional charge from XXXX XXXX XXXX for {$510.00} with the recorded date of XX/XX/2019 that totaled {$1000.00}. 

I was back in the US on XX/XX/2019 and my friend was in his home country, also on that date. 

Actions I took : -Notified XXXX XXXX XXXX via phone multiple times no response. 

-Informed American Express and they denied my dispute twice XXXX XXXX XXXX provided information on the original round trip tickets and the newly purchased one way tickets in responding to the American Express dispute XXXX But no info on the additional charges of {$1000.00}. I dont know the ticket number, who the tickets were assigned to, nor the destination. 

XXXX Called American Express and tried explaining to them again. No results. 

-Took then to small claims court in XXXX XXXX , NY on XX/XX/2019 and they didnt show up to court -New court date is XX/XX/2019

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX XXXX sold my charged off account to a collection company called XXXX XXXX XXXX. I have settled this account with XXXX XXXX XXXX and they have since removed it off my credit report. 

XXXX XXXX XXXX is still reporting on my credit report AND is still showing a balance.

Company response to consumer: Closed with explanation