BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking over my account and I peeped that there is some strange names, addresses and accounts that I have no ties to. I believe somehow my information was shared or mixed up with someone else. I need my report corrected at once I thought I had a right to privacy but clearly not if your company thinks its ok to post this misleading stuff and pin it on me unknowingly. I have loss sleep twice since these accounts were brought to my attention. I HAVE BEEN VICTIM OF IDENITY THEFT and also my information was breached in the XXXX 2007 and XXXX XXXX data breach. I did my research on the law, per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and these items must be blocked and removed from my credit profile. I really need these items gone from my report due to them being false and inccruate. This is affecting my life and preventing me from getting approved for apartments so im XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
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: Account information incorrect

Complaint:
The wrong balance on my account in which i have disputed several times. 
I have mai them proof of payment receipts. 
XXXX Also i have sent the proof of address many times and ask them to place the correct address on my report. 
I have mailed in letters XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX?, please take care of this

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 2017-11-03
Company: EQUIFAX, INC.
State: GA
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 am currently refinancing my home and consolidating my credit cards and have been shopping the rates among different lenders. My credit scores have been in the XXXX 's or higher for more than 20 years. I still have an activity revolving account from college which I opened 26 years ago. I have had a mortgage for 14 years. The youngest credit card I have is 9 years old. When the lenders checked my credit scores and mailed me the credit score exception aka the risked based pricing notice. XXXX and XXXX both furnish blatantly false information which brought my scores down. On the notice which stated key factors affecting your credit score XXXX  falsely stated that I had insufficient length of credit history. XXXX falsely stated length of revolving account history is too short. This false information has the affect of driving down my scores and allowing these lenders to justify charging higher interest rates and fees. Equifax just has my score at XXXX and stated that I had high balances on revolving accounts. 
I called XXXX and asked a supervisor about the notice I received and the information they have provided. He denied the fact that the information had come from XXXX I read out loud the credit score notice to him and he again denied that XXXX gave them that information. He said that each lender runs their own credit score modeling reports and uses their own key factors. He then sold me a credit score report for {$10.00} that had my " real factors '' that affect my credit score. I should get it in the mail in 5-7 days for security purposes. I did a search on the internet and saw the news release that the CFPB had in XXXX 2017 fined Exquifax and XXXX  XXXX XXXX for their deceptive marketing of credit score reports to consumers. I filed a dispute with XXXX, Equifax and XXXX and requested they cancel my order and decided to file a complaint with CFPB. 
I still feel trapped because I have already locked my rate the refi my home and I am not sure if I should move forward or wait to until my credit is re-scored. My lowest score was XXXX and most people would be happy with that, but if my true score is higher why should I have to settle at XXXX. It 's really frustrating because the debt I have been carrying really bothers me but I want to get the best deal I can. I hope this helps someone else when dealing with these crooks as know as the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called Sears customer service line at XXXX, I needed to get my balance so the representative asked for my social security number I replied by saying that's strange normally if they ask it's usually the last four digits only but this person asked for the full number after I gave it to her she hung up. I called back told the new rep. what happened on my previous call and she said we don't ask for your full social security number are you sure you dialed the right number?, I said yes thr rep. acted confused so I asked for a Supervisor the rep. stated she would do her best to get someone to call me back but I remain very concerned because she asked if I had made a purchase and I have not today, when I asked if she saw a purchase she would not answer.XXXX XX/XX/2019 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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items and authorized inquiries for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$97.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2017-11-03
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX, Georgia XXXX Confirmation # XXXX Date : # XXXX 2017 As a Veteran, and a XXXX XXXX XXXX, I am deeply concerned how Equifax is mistreating me just to satisfy and placate to these collection agencies, and these reporting companies. They do not care that I got denied a V.A. loan because of them. They do not care that I have been having these problems since XXXX of this year, while they knew they were comprised through hacking back then. I have filed three different police reports. 
Since XXXX of this year, I have closed my accounts three times, and we could not figure out what was going on, but they knew, and they didnt say a mumbling word. I am paying {$19.00} per month with them just to get bamboozled, hoodwinked, and deceived all the while they are appeasing, and pacifying their clients. 
They keep saying I have more than one file with them, which is out languished at best, and criminally assault against me, at best. I have only one account with the other bureaus. This should be a clue, and proof my account has been breached and my identity stole. You all should remember I filed an identity theft report twice this year. 
The keep putting these account ( XXXX XXXXXXXX XXXX XXXX XXXX, MA, and XXXX XXXX XXXX XXXX, GA ). This is proof, Equifax is still doing underhanded, and shady business after lying to congress, and the general public stating they are not! 
I am more than willing to testify in front Congress to pull the blind off this unprofessional, and feloniously mind company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
-Opened account in XX/XX/XXXXand mentioned the {$350.00} new account incentive -Set up direct deposit ( terms of the incentive ) -Never received the incentive -Called Chase in XX/XX/XXXXand the service representative said we would not receive the incentive because a code was not entered when the account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Paypal Holdings, Inc
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have been trying to open this account with Venmo for a couple of months I have contacted them. 
Someone stole my identity and is using it to have acct. 
I tried to get them to close it down. 
Or remove my info because I want to open one but can't because someone else is using my phone number. 

Nothing was done after 2 hour 's on the phone. 
2 months of trying to get them to fix the problem and it still isnt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
I was XXXX  from XXXX untill XXXX XXXX this account was not activated or used by me. I need disocver to stop reporting this account. this account was inactive since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I purchased XXXX XXXX uniforms online for {$290.00}. I called XXXX on XXXX and spoke with Customer Service Representative XXXX at XXXX XXXX  for approximately 4 minutes. I called for assistance regarding the multiple pending charges from XXXX XXXX on my checking account ( {$210.00}, {$81.00} and {$290.00}. XXXX ). The charge for {$81.00} had been refunded and I wanted and needed access to the {$210.00}. I was told that it should fall off in a day or two, but I could email customer service my bank statement showing the pending transactions. I emailed customer at XXXX XXXX  on XX/XX/XXXX. I received a reply email from XXXX XXXX informing me that I'd have to wait 1 to 5 days depending on my bank. I spoke with a USAA bank representative via chat on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ), stating that I have to wait for the transaction to post and dispute or wait for the merchant to clear it and the pending transaction falls off. It's been a week or 5 business days since my funds have been withheld from me and I'd like USAA to clear the pending transaction.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I attempted to close my escrow account with the company this Summer.  They informed me that I had to wait for 1 year after closing to close my escrow account. I had made all of my mortgage payments to date on time and in full and owned more than 20 % of my home. That was not a term or condition in my deed of trust or any other document in my closing package. My loan was not originated by Wells Fargo when my loan was sold to Wells Fargo, they company you enforced a policy that they did n't inform me of and that I did n't agree to. That seems like a deceptive business practice to me. Wells Fargo kept my money only so they could collect the interest on my escrow account. I feel that this practice can cause harm to consumers. In my particular situation I had to wait until XXXX to close my account and now their internal process will take a number of weeks to issue my escrow refund. At this point I will likely need to take money out of pocket to pay my property taxes as the refund will not be issued. Wells Fargo forced me to comply with a policy that was n't documented or agreed to in my loan contract. I contacted the bank a number of times to seek correction but to no avail. As a result I had to remember to call them on the anniversary of my loan origination to request my money to be returned to me. In my opinion, this should be added to the list of the many things that Wells Fargo is doing that are not in the best interests of their consumers. Yet another deceptive practice used by them to build revenue off their consumers without their consent.

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 2022-03-09
Company: D&A Services, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm struggling with identity theft. I really didn't expect this to happen to me. As a result, they are suffering financially and psychologically. It's very scary and terrifying to see someone use a card that I haven't used yet. I sincerely hope that you will promptly correct the incorrect information and show the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
An unknown hacker did a SIM swap and took over my SIM card with my cell phone number. This hacker used my phone number to call my Discover Bank pretending it was me and did 2 fradulent wire transfers of {$150000.00} to an external bank named XXXX XXXX XXXX XXXX and {$100000.00} to external bank XXXX XXXX XXXX XXXX XXXX. Both wire transfers took place on XX/XX/22 which was the time that my phone stopped working. I couldn't text or call anyone starting from the afternoon of XXXX to the evening of XX/XX/22. I changed my SIM card on the evening of XX/XX/22 where there was weird call forwarding set up. When my husband called me, an angry XXXX man with an XXXX accent picked up. We have the cell phone records proving these fraudulent phone calls were made using my phone number. I reported this grand larceny crime to the FBI and with the XXXX. Discover has submitted the 2 recalls to get these funds back. However, due to the regulations XXXX, Discover is telling me that if the recalls are unsuccessful, Discover will NOT reimburse me the funds. 

I never knew this fraudster/hacker. This fraudster hacked my SIM card and used my identity to do XXXX fraudulent wire transfers. And Discover Bank was negligent in not doing a thorough verification process to ensure my identity and negligently approved and processed XXXX outbound wire transfers of {$100000.00} and {$150000.00} to another person to XXXX external banks. 

If the wire recalls are not successful in retrieving all of the funds or only receiving the partial funds, Discover should reimburse me until I get the full {$250000.00} with fees back to my account. 

Federal Regulations e protect against unauthorized electronic funds transfers ( EFT ). And wire transfers are EFT. Therefore, I should recover the full amount of {$250000.00} even if these are domestic wire transfers. 

Discover refuses to cooperate with me in recovering the funds by refusing to give me the account numbers of the external that these funds went to. Discover has been uncooperative and are not making their best efforts to retrieving these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: OneMain Finance Corporation
State: NC
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:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Greetings, We have had several Chase Bank Accounts for well over several decades and are very happy with our service. However, the last incident we feel should have been handled better and without a penalty to our family. There were several transactions that were automated that came through our account in the month of XX/XX/XXXX and XX/XX/XXXX. My husband had emergency XXXX after being diagnosed with XXXX XXXX XXXX XXXX XXXX I had power of attorney and I contacted his automatic bill payments Creditors that were going to take the funds from the account. I was told they were not able to speak to me. They needed the actual power of attorney documents mailed into the office and had to be reviewed by the their legal team. They were adamant they needed to speak to him, however that was not possible. During that time, five of these creditors continued to debit the account even though there were no funds to debit the account to this magnitude. No time in our 15 year history has our account ever gone in a negative process to this degree. I spoke with Chase, asking was there something that could be done and I was told no.
So, for one month this account was in the negative. The creditors were able to stop the automatic ach 's because they were able to review the power of attorney which gave me power to handle my husband 's business. My disappointment is that after speaking to a branch manager, I was told that the customer service representative should have told me to step into the branch to close the account and open another account. To add further insult, Chase has reported this information to the XXXX XXXX XXXX. I do not understand, how and why if I reached out to the bank prior to the account going negative letting them know what was to occur, why I was not given an option to close the account and open a new account. Because of the early reporting, I can not pay my utility bills with a check. I feel that I have been penalized several times by Chase. Even through they waived 50 % of the fees, I believe I should not have had any fees in addition to that, I should have not been reported to XXXX My concerns is that is Chase is concerned with making money from fees, and locking me in with them, because we are also unable to open an account with another bank. This is very disheartening and my husband is being penalized again for getting sick and having being diagnosed with XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-19
Company: EQUIFAX, INC.
State: CA
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 Sent in a Dispute Letter to Equifax. However, I still haven't received a Response from my Initial Dispute. 

They've Received my Response on " XX/XX/2021 '' I've sent in Notifications, that has been CERTIFIED and TRACKED. EQUIFAX has TAKEN WELL OVER THIRTY ( 30 ) DAYS TO INVESTIGATE MY DISPUTE. 

EQUIFAX ARE IN CLEAR VIOLATION HERE. 

Please have them REMOVE THESE ACCOUNTS NOW, As it's in CLEAR DIRECT VIOLATION OF MY CREDIT CONSUMER LAWS & RIGHTS. 

I WILL TAKE LEGAL ACTION ....

Company response to consumer: Closed with explanation