BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: OR
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:
My consumer rights and privacy under 15 usc 1692 et seq and 15 usc 1681 et seq. This company murdered my consumer profile denying my credit because of unauthorized inquiries. On XX/XX/2022 the first letter was sent via certified mail asking for unauthorized information to be removed from my credit report. On XX/XX/2022 second letter was sent via certified mail asking for unauthorized information to be removed from my credit report. On XX/XX/2022 third letter was sent via certified mail asking for unauthorized information to be removed from my credit report. None of my request have not being honored. XXXX is declining to sent any document signed by me approving this inquires. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hi I deposited a check in my account on XXXX which was mailed to me by some one selling a product on him. 
right after I found that the check was bad and it got returned. 

Then the bank closed my checking account and reported me to checks system as a fraud for the crime someone else committed. I didnt. 
I was actually only the victim Bank of America and checks system have closed my account since XXXX Since that time I tried to open a bank account in other branches of different banks but I was still failed to open a bank account even in a different bank. 
I respectfully want from the esteemed organization to investigate and solve my problem by taking my negative points OFF from the checks system and ask Bank of America for not doing justice with me so Ill can open a bank account in a bank. 

Thanks

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 2017-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
My student loan reports that I was on drinking 20 days late with the previous student loan company but I was never late I always maintained.  XXXX   XXXX  is currently my provider but was not my provider when it had the delinquency of a  hundred and twenty  days

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 2022-07-21
Company: BTH Management
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by Plaza Services , LLC on XX/XX/2022 about an alleged debt. It was identified as a line of credit with XXXX. I was notified by the company that I had until XX/XX/2022 to dispute the debt. I sent a dispute letter via XXXX and it was delivered on XX/XX/2022 at XXXX. I called the company on XX/XX/2022 to confirm that my dispute letter had been received and that the account had been updated to show a disputed status. I spoke with XXXX ( expenditure number XXXX ) and XXXX confirmed that my dispute letter had been received and that the account is in a dispute status. Here 's where the first issue is. XXXX asked me what information I asked for in my dispute. I listed everything that I asked for in my dispute letter and XXXX said that " they do not have that information ''. Therefore, the company does not have the required information to prove who the owner of the debt is. This takes me to my second issue. The same day that I spoke with XXXX and confirmed that my dispute letter had been received and my account was in a disputed status, I received an email from the company trying to collect the debt. A debt collector may not continue to attempt to collect a debt while an account is being disputed and they haven't provided the information to prove who the owner of the debt is. This is a clear violation of the law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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: Old information reappears or never goes away

Complaint:
Starting I XXXX of 2019 when I went to purchase a vehicle and observed trade lines that were not mine. Contacted the ftc and filed fraud package. Also presented police report. The person was caught and locked up. The account was blocked from my bureau and was reported again. I request the XXXXXXXX XXXX  account he removed immediately or I will file suit. I also demand a giving score update immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a 2nd mortgage with Ocwen Loan Servicing that I paid off in XXXX of XXXX. I currently have sold my property and during the title search that the lien on the property has not been released by this company. I contact them and they stated that the paperwork was returned no such address. Upon further investigation I discovered they sent the paperwork to the wrong county, It was never followed up on after that. I contacted them on XXXX XXXX, XXXX and they stated they would expedite the release and it would take approximately 5-10 days. It is now XXXX XXXX, XXXX and this lien is still not been released. I have had numerous conversations with XXXX a " Senior '' lien release officer and he keeps telling me 5-10 days repeatedly. Now they are saying they are going to have to research the company that initiated the loan. This is getting ridiculous and should not take this long to complete this release when it should have been done 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Computer Credit, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to get a CT scan at the XXXX XXXX XXXX Hospital. They called the insurance company to get pre approval. I asked the woman who called the insurance company and she said yes you are approved. I further asked her if I owed anything and she said no. When I called the collections dept at XXXX the woman was belligerent and said well the woman never said you were covered 100 % - she quibbled over words but to me not owing anything and 100 % is a difference without distinction. The fact is that the lady who called the insurance company was an agent of the hospital. When I asked her professional opinion she gave me the wrong information. They are telling me I owe them XXXX which is unfair b/c had I known that I would owe my own money toward the service I never would have had it done. I am deeply troubled by their comments/attitude/lack of knowledge. If someone deals with insurance companies and are asked if they are 'covered ' and if I would owe anything than their answer should be able to be relied upon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Starting I XXXX of 2019 when I went to purchase a vehicle and observed trade lines that were not mine. Contacted the ftc and filed fraud package. Also presented police report. The person was caught and locked up. The account was blocked from my bureau and was reported again. I request the XXXXXXXX XXXX account he removed immediately or I will file suit. I also demand a giving score update immediately.

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 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Starting I XXXX of 2019 when I went to purchase a vehicle and observed trade lines that were not mine. Contacted the ftc and filed fraud package. Also presented police report. The person was caught and locked up. The account was blocked from my bureau and was reported again. I request the XXXX XXXX account he removed immediately or I will file suit. I also demand a giving score update immediately.

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 2016-04-03
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an account from XXXX XXXX for {$270.00} that is listed on my Experian credit report. This account is an unauthorized and fraudulent account from the result of identity theft. I am a victim of identity theft and this account do not belong to me.

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 2022-07-21
Company: DISCOVER BANK
State: LA
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:
Hello, I received an email from XXXX that inquiries were made on my credit to XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, and XXXX XXXX. I did not try to open any of these accounts. I also received a message that a Discover card was opened in my account. I contacted Discover and they were able to close that account. They notified me that the person that opened a card on my account lives at XXXX XXXX XXXX XXXX, CT and their phone number is XXXX. There are multiple accounts that someone has tried to open on my account. I also received notification that there are two phones purchased and two phone lines opened in my name under my XXXX account and I do not have these phone lines or these phones. These were opened in fraud and I spoke to someone regarding this at XXXX and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
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: Their investigation did not fix an error on your report

Complaint:
Under the law I hereby acknowledge that I am who I say I am in the compplaint and not a credit repair company or entity. 

It appears that Experian is currently reporting XXXX XXXX credit services as accurate. 

After reviewing my current credit report I've notice that their are no balance being reported on this account. A violation of FCRA rules section 1681.

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 2015-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX 2015, my debit card was charged for {$400.00} through my XXXX account which was compromised. I solved the problem with a XXXX way call with Bank of America and XXXX, and the money was reversed. However on XXXX XXXX 2015 I received an email from Bank of America telling me my account was once again overdrawn by {$400.00}. Then they tacked on a {$35.00} overdraft fee, and a {$35.00} return item fee even though there was no item returned and it had n't been long enough for an overdraft fee to occur. I talked to the bank and they tried to tell me that XXXX charged my account again for {$400.00}, but there are NO such charges on my XXXX account. I even talked to customer service through XXXX and they assured me that the account had been inactive since the previous issue. Bank of America decided to have me open a claim, and the following day they sent me an email letting me know I needed to fill out an online form within 5 days for the claim. I waited one day and when I went to fill the form out, they had closed the form and said the case was resolved. That my account had insufficient funds. Entirely ignoring the fact I told them my account has obviously been compromised. I tried closing my account and they wo n't let me until I pay the overdraft sum which is completely ludicrous. I know for a fact Bank of America made a mistake with my account, or fabricated this charge and then stacked extra charges on top of it in an attempt to steal money from me. I refuse to pay them for trying to con me. 
I 've since closed my XXXX account in an effort to protect myself, but Bank of America refuses to let me close my bank account. I 've been a customer for 15 years and I 've had problems with this bank from the start. I just want to put this behind me as it 's really stressing me out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-01
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Following -up on case # XXXX which I disputed as follows : We have been going back and forth on the same issue : i.e. Ocwen does n't need to file a XXXX since there was no XXXX continuation ; however, Ocwen has been stating that did report the payoff to the county _ XXXX I know how did Ocwen did the reporting - letter, phone call, signs, announcements, etc ; whatever they did and in my estimate it could only be in writing therefore the need for a document - I request that Ocwen sends me a copy of 'the document ' they gave the county to report the pay off. 
With regard as your investor being XXXX XXXX, ( 1 ) please see your letter dated XXXX/XXXX/XXXX second page first paragraph in which you indicated that XXXX XXXX was the investor ; hence reason why you had shared related loan information with them. 
( 2 ) See my letter dated XXXX/XXXX/XXXX to XXXX XXXX who indicated that XXXX XXXX had assigned note to XXXX XXXX XXXX in XXXX ; hence reason for their filing of a XXXX which later got cleared. ( copies of UCCs attached ). 
( 2 ) How is it that XXXX XXXX who says assigned the loan to XXXX XXXX XXXX and files a XXXX in XXXX still owns the note with OCWEN servicing the loan on their behalf until XXXX and there is no UCC continuation ( by the way I never dealt nor did I know XXXX XXXX XXXX 's existence before XXXX when I close on another apartment ) and how is that Ocwen now has XXXX XXXX as the investor owner of the loan when you indicated that XXXX XXXX had assigned the loan to XXXX XXXX (? ) did XXXX XXXX assigned and the retrieved the assignments back and forth? 
( 3 ) With regard to late payments, my question was 'why did Ocwen held this loan in their collection unit ' when the loan as you pointed out had a minor late payment. ( which was, by the way, an error on Ocwen because I have never been late on paying this mortgage ). Please advise I also enclose copies of the XXXX originally filed by The XXXX XXXX Bank in XXXX which was cleared the same date. Your investor had taken over the note at the time but did n't file for a XXXX but decides to file XXXX in XXXX (? ) why I hope you understand my confusion and why your repeated same answers do not offer any clarification. Hopefully my questions are clearer and you can address them accordingly. I 'll be happy to clarify them for you should you need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: LA
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:
Hello, I received an email from Equifax that inquiries were made on my credit to XXXX 's, XXXX XXXX, XXXX, and XXXX XXXX. I did not try to open any of these accounts. I also received a message that a XXXX card was opened in my account. I contacted XXXX and they were able to close that account. They notified me that the person that opened a card on my account lives at XXXX XXXX XXXX XXXX, CT and their phone number is XXXX. There are multiple accounts that someone has tried to open on my account. I also received notification that there are two phones purchased and two phone lines opened in my name under my XXXX account and I do not have these phone lines or these phones. These were opened in fraud and I spoke to someone regarding this at XXXX and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I made a cash deposit of {$260.00} into a local Bank of America ATM I frequently use. Almost two weeks later on XX/XX/2021 {$260.00} was deducted from my account with the message " ATM Deposit on XX/XX/2021 totaling XXXX had a shortage in currency. XXXX. '' Surprised and confused I immediately called Bank of America to file a dispute as this is the first time this has happened in the many years I've made deposits with the bank ATMs. A temporary credit for {$260.00} was issued to me while they 'investigated " the issue. 
I assumed this would be resolved after filing the dispute claim but on XX/XX/2021 the temporary credit was reversed and the investigation didn't find I was owed the {$260.00} cash deposit. I am in bewilderment at how a regular cash deposit which is counted by an ATM is not enough evidence of a transaction. There are cameras at the ATM which can confirm the deposit. If there was truly a 'shortage in currency ' as they stated, why wasn't I returned the money I did deposit. I don't want to assume foul play on their end but I have no idea what measures they took to investigate the matter. 
I am still owed the money I deposited but the claims department and in-person branch is giving me the run around.

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 2017-10-22
Company: EQUIFAX, INC.
State: MN
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 am a victim of identity theft. The following account, collection accounts and hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX {$170.00}, XXXX XXXX {$140.00}, XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX and XXXX XXXX for a debt thats fraudulent, not mine and dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I received a mailed letter from Capital One bank with a new debit card. This letter and debit card were addressed to me even though I did not open an account at this bank nor have I ever had an account with this bank. I contacted Capital One and spoke with a representative regarding fraud. The representative informed me that the checking account was opened on XX/XX/2022 and did not have a balance currently. The representative stated that my social security, birth date, and address were used to open the account. The representative would not give me any further information on who opened the account in my name but they did close the checking/debit account. I have contacted all three credit agencies and requested that a freeze be placed on my credit file until further notice. I also had an initial fraud alert placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I went to the emergency room XXXX XXXX XXXX XXXX XXXX in XXXX, NY on XXXX/XXXX/14. I keep getting notices and phone calls from a company called XXXX XXXX XXXX, XXXX telling me to pay a bill for {$400.00}. My explanation of benefits from XXXX XXXX shows member responsibility as {$0.00}. I sent the EOB to them XXXX and it has had not effect. They have now referred me to a collection agency called Professional Claims Bureau , Inc . I have attached all relevant documents. Please help.

Company response to consumer: Closed with explanation