BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: First Data Corporation
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2017 I cashed a check at XXXX XXXX XXXX in XXXX RI for {$300.00}. This transaction had a {$15.00} fee which I agreed to pay for a total of {$310.00}.
However, the check cashing company, Telecheck Services Inc. XXXX XXXX XXXX, XXXX XXXX Tx overcharged me and debited {$330.00} cents from my checking account at XXXX XXXX XXXX. When I noticed this extra, unauthorized charge of {$15.00} I contacted my bank and asked to withhold that {$15.00} from the payment to Telecheck. The bank reviewed the transaction, and stopped/withdrew the WHOLE payment of {$330.00} until the transaction is corrected. Meantime, I have been contacted by a collection agency for Telecheck demanding full payment of {$330.00} and refusing to correct the problem. My multiple attempts to resolve this issue ( calling XXXX XXXX and Telecheck ) are not being addressed. XXXX XXXX referred me to Telecheck and there I am not assisted at all ; the call goes to XXXX where the customer service agent " XXXX '' i.d . XXXX was incapable of understanding that this was a mistake I wanted to resolve and when I requested to speak with a supervisor refused to transfer me to a supervisor or anyone else and to provide me with a corporate address for a complaint. This individual issue also raises the possibility that this company is making many " mistakes '' to their customers transactions and possibly illegally profiting by them. Please assist in resolving this issue and review their number of accounting " mistakes '' that always are in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is in response to Complaint #  XXXX .  <P/> The answer is NOT acceptable. It clearly admits liability that DITECH misappropriated funds. We do NOT have a    XXXX   XXXX    account nor ever had one. It is the full responsibility of Ditech to recover the monies they misappropriated and credit account in full to  XXXX   XXXX .  <P/> 1. The {$14000.00} must be applied to principal only on account #  XXXX .  <P/> 2. Please provide photocopies of all checks received. Show where total is {$14000.00} instead of {$14000.00}. This has been reviewed and verified by the  XXXX   XXXX    XXXX   as the correct amount.  <P/> 3. If you have a mail delivery problem, address it directly to USPS.  <P/> 4. All monies of {$14000.00} are to be applied to Principal Only. No authorization was given for {$360.00} to be deducted for administrative costs. Our records through monthly certified mails receipts indicate no late fees of any kind. This amount must be re-applied to principle amount immediately.  <P/> If this matter is not resolved by the time frame of the required reply,  legal council  will immediately submit a Summary Judgment against Ditech in  the county  court of  XXXX   XXXX ,  XXXX , CO., in order to recover funds.  <P/> Because DITECH has held the monies in their possession since  XXXX   XXXX , they are liable for actual and punitive damages, interest, certified mail fees, and all legal fees and court costs.  <P/> A formal complaint with the Attorney General of CO has been filed concerning consumer fraud, misappropriation and extortion of funds.  <P/> All replies are forwarded to local  XXXX   XXXX , Consumers Corner for on-air viewing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
15 Us Code 1681Congressional findings and statement of purpose under ( A ) Accuracy and Fairness of Credit Reporting ( 4 ) states There is a need to insure that consumer reporting agencies excercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. Equifax did not excercise their grave responsibilities with fairness doing this investigation. I called Equifax and told them I need verification of this account with paperwork and all the documents sent to me by mail of this account from XXXX XXXX and they told me they will send the documents proof of account. I have not gotten any paperwork of account. The conclusion of the first investigation that the account was closed. I know the account is closed but this account need to be verified with the proper paperwork or has to be removed altogether from my credit report by law. I as a consumer is not aware of any debt from XXXX out of XXXX Md. This credit report is being stated without my consent and I did not authorize Equifax to give this report Us code 1681b permissiable purpose of consumer reports ( 2 ) I have to instruct you by law to give this report and you have to have my consent. I have reached out and ask for information multiple of times for verification. You have to provide proof not just give your word that I owe any debt that I am not aware of by law. I as a consumer and the XXXX  need the paperwork to be sent and proof of account. If account cant be verified with paperwork, it has to be removed altogether. Equifax also just admitted that they gave false credit scores from mid XXXX to early XXXX due to a glitch with the system. I was affected with that also. By law you cant give out false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My issue involves overdraft fees being charged, even after Ive opted OUT of over-draft protection and the bank processing payments in such a way that maximizes their ability to charge over draft fees. The bank in question is Truist bank. I do have documents showing these occurrences if they are needed. Per the regulation passed in 2010 ; banks can not charge over draft fees unless a client opts in or if they have opted in then decides to opt out. Unless its considered a recurring transaction. Truist is charging over draft fees not only on recurring transactions, but also basic 5-10 dollar transactions for people that have not requested over draft protection and they do it in such a way that maximizes the fees they are able to charge. For example : Lets say I have {$35.00} left in my bank account and I buy 4 items. The item prices are {$35.00}, {$5.00}, {$5.00}, and {$5.00}. Instead of the bank processing the three {$5.00} charges and then the {$35.00} charge, which would result in one overdraft fee for the {$35.00} charge, they will purposely process the {$35.00} charge first and then the three {$5.00} charges, so theyre able to charge three overdraft fees totaling {$96.00} instead of just one for {$32.00}, even though I bought the three {$5.00} items first. I tested this theory on 4 different occasions and they processed the lesser charges last every time, as to maximize their over draft charges. These practices are not only unethical theyre unlawful. Feel free to contact me if you need the proof. Something needs to be done about this. I am submitting this request in behalf of about 55 other people who are having the same issues with the same bank, with no telling how many more. Truist is using whatever methods they can to get around the regulations passed in 2010 regarding over draft fees.Again I do have evidence of all this, but I am going to wait to submit until someone contacts me and requests them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12
Company: TENET HEALTHCARE CORPORATION
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pulled my credit due to trying to buy a house. I found that I had a medical collection from Central Financial. This is a medical debt from XXXX XXXX Hospital. I sent a dispute in on XX/XX/XXXX stating I provided both insurance to the hospital. My XXXX XXXX was already in the system but when I started working and had XXXX added at the time of visit. XXXX XXXX removed my XXXX XXXX and just added XXXX. This was the only insurance billed. The sent notification back stating I verbally gave only 1 insurance information and will not remove the collection nor stop collection. I called back on XXXX XXXX and the agent I spoke to went through the entire account and realized the account went into collection XX/XX/XXXX. I called in on XX/XX/XXXX letting the agent know that I had a secondary insurance that should have been billed. He stated that it was 2 accounts in the system and the agent notated only 1 account and that 's why they are only pursing that 1 account. He told me to send in another dispute stating the information that was given. I called today to see if there was an update on the second dispute. I was told by the agent that I was not allowed to do a second dispute and also they just received the second account in XXXX that also need to be paid. I know this information is not true due to the fact that both accounts was in there office when I sent the first dispute in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It  May  Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by : 1.   XXXX   XXXX   XXXX   -- Unauthorized Credit Inquiry ON DATE :  XX/XX/XXXX  2 .  XXXX   XXXX  -- Unauthorized Credit Inquiry ON DATE :   XX/XX/XXXX ,  XX/XX/XXXX  3.  XX/XX/XXXX -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX   4.  XXXX  -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX   5 .  XXXX   XXXX  -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX  6.  TOTAL MERCHANT SERVICE -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX  I DID NOT AUTHORIZE THESE inquiries from these company, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.  <P/> I have sent this letter certified mail to all credit bureaus and also have sent them to the reporting company and they refuse to remove these unauthorized inquiries. I need your prompt response to this issue. Please be so kind as to forward me all documentation that youve had the unauthorized inquiry removed.  <P/> If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.  <P/> Thank you,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Have been trying for a Mortgage modification through Wells Fargo for years ... most recently X/XX/17.  This time they denied us because we have too much equity in our home. Previously they denied us because we were " underwater '' - not enough equity. Wells Fargo has been rude and consistently unhelpful - we only stopped paying the mortgage because we were told by one of their reps that it would be the only way to get a call back. They dont deserve to be in business. I caution EVERYONE to boycot Wells Fargo.

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 2020-02-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched XXXX  Dispute RESULTS. It denies my information informing me to CONTACT USAA. I have been doing this with USAA for 2 years now ( since XX/XX/2018 ) to NO AVAIL. Reliving only destroys my heath more. I will NOT KEEP RELIVING WITH USAA ANY LONGER ** ONCE WAS ENOUGH. This also says my request was based on MATERIAL MISREPUTATION or You knowingly OBTAINED POSSESSION OF GOODS. I need to find out what information USAA   provided to prove it AN UNTRUTHFUL RETAILATION because I filed for Ideninity Theft after NO RESOLVE OF UNAUTHORIZED CHARGES beginning XX/XX/2018. FTC ID Theft case XXXX. FTC says GRANTOR ( USAA ) by statues Must NOT REPORT ID THEFT to destroy innocent peoples lives. USAA MUST HAVE SLADERED MY NAME TO RETAILATE. USAA IS MUCH TOO HOSTILE TO MAKE SAFE CONTACT and I am set up with CFPB with CONSTANT CONTACT. USAA has had tons of contact ( *Safely through CFPB. ) XXXX, please contact CFPB to veiw the history of current contact. USAA IS NOT HONEST. XXXX, please send me WHAT I AM BEING ACCUSED OF CLEARLY AND SPECIFICALLY. My reputation has been spotless for XXXX   years UNTIL USAAXX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: SC
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 RECENTLY RECEIVED IN THE MAIL AN EQUIFAX CREDIT FILE DATED XX/XX/2021, SENT TO ME FROM EQUIFAX. THIS VERIFIES THE FACT THAT I DO HAVE AN EQUIFAX CREDIT FILE. 

HOWEVER, WHEN MY CREDIT UNION ( XXXX XXXX XXXX XXXX ) TRIED TO GET MY CREDIT SCORE FOR THE PURCHASE OF AN AUTOMOBILE, THEY WERE UNABLE TO OBTAIN ONE. 

SO, MY CREDIT UNION, WHICH ONLY USES EQUIFAX, ASKED ME TO CONTACT EQUIFAX, I ALSO WAS UNABLE TO OBTAIN MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: PNC Bank N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or missing disclosures

Complaint:
Compass Bank which changed over there name to BBVA USA Consumer Accounts. There were two personal accounts. Which were called CD they were purchased at different times. The teller who did the accounts never posted the second account correctly. And the second account is now lost or stolen by PNC Bank N.A.Consumer Account.BBVA USA Consumer Account defrauded myself and someone else by transition To PNC Bank. N.A Consumer Accounts. And there stating never been found or it has been a mistake on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It  May  Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by :  1 .    XXXX   XXXX   XXXX    -- Unauthorized Credit Inquiry ON DATE :   XX/XX/XXXX  2 .  XXXX   XXXX  -- Unauthorized Credit Inquiry ON DATE :  XX/XX/XXXX  ,   XX/XX/XXXX      3.  XX/XX/XXXX  -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX  4.  XXXX  - - Unauthorized Credit Inquiry ON Date XX/XX/XXXX   5.    XX/XX/XXXX   -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX   6. TOTAL MERCHANT SERVICE -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX  I DID NOT AUTHORIZE THESE inquiries from these company, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.  <P/> I have sent this letter certified mail to all credit bureaus and also have sent them to the reporting company and they refuse to remove these unauthorized inquiries. I need your prompt response to this issue. Please be so kind as to forward me all documentation that youve had the unauthorized inquiry removed.  <P/> If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.  <P/> Thank you,  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 2017-12-30
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
My Identity was compromised because of the Equifax Breach. 
Charges were made to an existing account ( I closed it ), a new credit card was established ( I notified XXXX ), a XXXX Cellphone service was established ( I contacted XXXX immediately ), and my mailing address was moved via the United States Postal Service. 
" THEY '' have all my information including my Social Security information. 
THE USPS has yet to resume mail delivery or give me definitive answers as to when and if my mail was recovered/will resume. I notified them as soon as I received the notice from the USPS stating it had been moved on XXXX/XXXX/XXXX and the notice they sent me was XXXX/XXXX/XXXX. Equifax was supposed to freeze and place alerts on all three credit services. It does not appear that this was done. 
Equifax and the USPS has been a nightmare. No one gives you definitive answers and the USPS has  the fraudulent address and even though I contacted the Inspector General 's office, the local police where the mail is going ( I only know the town and state ) no one is acting upon it. The US Inspector 's office brushed it off and the local police has not returned SEVERAL calls and emails. 
EQUIFAX is the source and they are impossible to work with. I tried to find CORPORATE telephone numbers and it is impossible. 
It is too bad they DID NOT protect our information as well as they are PROTECTING THEIR CORPORATE EXECUTIVES contact information. 
This is a disgrace. Both the United States Postal Service and EQUIFAX needs to be held accountable and consumers need to know how destructive this breach is to a person. Please contact me and publish this email. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 incarcerated for fifteen years in federal prison in federal custody till 2018 and there are several accounts that were opened in my name where someone was living under my identity while I was incarcerated, as I disputed these items after I got out of federal custody in 2018 and showed the credit bureau 's proof that there is no way I could have opened these accounts they still refuse to remove them. After this I went to a lawyer and they told me for XXXX XXXX dollars they could file bankruptcy and that would take them off my credit report, but none of this was true, and now after bankruptcy XXXX now have these accounts still active and opened and reports are being reported of late payments when even after bankruptcy that should not even be happening. there are a total of like eight accounts that were opened under my name I did not open and these accounts were open while under federal custody and opened with a address that does not relate to me and a out of state address a address I never lived at. But please be aware that after I disputed these accounts with my address the credit bureaus now attached my address to the accounts using that as reason to not remove these accounts from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
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: Information belongs to someone else

Complaint:
Please help me as I have one unknown item in my credit report, I do not know this account and I am victim of identity theft and I do not want to have anything that is not mine in my credit report. I have never had any relationship with this company. 

This is that item : XXXX XXXX XXXX XXXX Please delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: FL
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:
Have filed a couple of complaints on equifax reporting incorrect info, they send me an e-mail the complaint is closed, they give me an access number, when i try to read it access is denied, i call speak to cust service, person speaks very poor english, she asks me many questions and does not understand, i ask for a supervisor, put on hold no body picks up can not get any answers.

Company response to consumer: Closed with explanation