BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On credit report XXXX, XXXX, Experian states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after 36 months of paying debit for cell phone bills will not sell a XXXX down cell phone at 25 dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for emergency non VA treatment hospital care, and sent to collections feeling I was billed XXXX dollars for emergency treatment at non VA hospital my question when my employers and veteran payee pays over 15, ooo dollars in Medicare payments WHY cant Medicare pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since 1985 I do not use credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
XXXX separate Wells Fargo Banks in XXXX, Texas refused to cash a check written on a Wells Fargo account and I have an account at Wells Fargo since 1996. The XXXX at Wells Fargo Bank located at XXXX refused to cash this check from XXXX, XXXX which was written from their WF account to me and I have a history of depositing and cashing those checks. I also had available funds in my XXXX account to cover said check. I strongly feel this is fraudulent on the bank 's part. The XXXX stated that he could not verify the funds but I know for a fact that the check had already posted as " verified '' from XXXX because the accounts payable department does that automatically when the check is written and I spoke directly to that department when the XXXX stated no one could verify the funds. The XXXX stated my only option was to deposit the check and wait for the funds to be verified.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Unauthorized inquiries, I reach out to both companies and the 3 credit bureaus and havent received a investigation or any call back sent in numerous documents and still no changes XXXX XXXX XX/XX/XXXXXXXX XXXXl XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-29
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In reference to previous CFPB complaint ID # : XXXX submitted XX/XX/XXXX : American Express has violated my rights and failed to address these violations or lawfully remedy the issue to my satisfaction. On XX/XX/XXXX, American Express states in their response ( enclosed ) to this complaint that they lowered my credit card limit based on valid reasons and in accordance with our policies and procedures. This statement confirms more violations of federal law by American Express. Corporate policies and procedures do not supersede Federal Law. 

The decision to lower my credit limit was based upon the following information in the enclosure document dated XX/XX/XXXX ( enclosed ) : The balances on your credit and/or charge Card accounts within and outside American Express , as indicated in your credit report, are high relative to your income known to us. This action is a direct violation of 12 CFR 1002.4 ( a ), 12 CFR 1002.7 ( a ), and 12 CFR 1026.12 ( b ). American Express has admitted to discriminating against me on a prohibited basis, utilizing information from illicitly obtained consumer report. American Express did not have actual, implied, or apparent authority to transact in this manner ( unauthorized ) and I received no benefit. 

This is also an egregious violation of the Graham-Leach Bliley Act, 15 USC 6802 ( 1 ). As a nonaffiliated third party, American Express obtained a consumer report from a consumer reporting agency without express written consent, permission, or knowledge. My nonpublic personal information was disclosed by a consumer reporting agency to a nonaffiliated third party ( American Express ) without clear and conspicuous disclosure. I was not given the opportunity to direct that my information not be disclosed in this. I was not given an explanation of how to exercise my nondisclosure option. 

In addition to discrimination on a prohibited basis, unauthorized use, and unlawful access to my consumer report, I still remain harmed financially and emotionally by American Express ' previous violations of federal law noted in CFPB complaint ID # XXXX which include violations of 15 USC 1602 ( f ), 15 USC 1602 ( p ), 15 USC 1691 ( a ) ( 3 ).

My rights have been violated and I have suffered financial damages. I was unable to provide for my family, make necessary household repairs/improvements, or invest in my business during COVID-19 pandemic when I needed financial assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Myself, my wife, and our son are all co-borrowers on this loan. All three of us are also on title to the property that secures the loan. Our son is now making the mortgage payments and we asked the lender to list his name and his social security number first so that he can claim the mortgage interest deduction. They have refused, saying they are unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
XXXX is not taking investigation of false account on my credit report against me and XXXX  sent me letter as attached for they found the XXXX  XXXX XXXX  XXXX card is not mine and they removed it from 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 2022-02-24
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper has added a reserve to my escrow account. Ive requested repeatedly to remove it as per their analysis at no point in the next year will the escrow account actually become negative. And in the event it does, I can pay the lump sum to cure the shortage. 

Maybe instead of harassing me about refinancing with them ( which I would never do at this point ), they could responsibly service my current mortgage. 

I want the reserve removed from my escrow account. By refusing to do so, they are violating UDAAP as this will financially harm me, the consumer. Additionally their lack of action appears to be a violation of Responsible Servicing. I want the reserve removed and the escrow re-analyzed, effective with the XXXX payment. Removing the reserve will likely result in an overage which needs to be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My prior complaint was put in on XX/XX/XXXX, the company responded on XX/XX/XXXX. As of today I still have not got this issue resolved. They are in violation of 15 U.S.C 1681, no permissible purpose. In my earlier complaint I sent a letter from the Bankruptcy court who does place bankruptcies on credit reports. Its been 40 days as of today and no response. According to the FCRA & FDCPA they have 30 days to respond.

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 2016-04-14
Company: Clarity Services
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX credit inquiries on our credit report dated the same date. XXXX of the inquiries came from short term loan cash provider. The XXXX came from some sort of credit bureau presumably used by the XXXX entity. I have spoken with the short term loan cash provider describing my circumstances. They indicated to me that they have no information on me on file which suggested to them that someone attempted to get a loan using our name and possibly our social security number but were rejected before the official application process. Both inquiries show up on our credit report but they were not related to activity generated by me or by my wife. So, we are nervous that at least one person may have some form of our identity but we are not sure which information or how much information they may have. The date of the inquiries was XXXX XXXX, 2016 and there has not been any further unknown activity since that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am asking for help with a financial hardship situation. I am a senior citizen, have no retirement savings, I am on medicare. I am on social security, and do self employment projects. ( more personal information sent as attachment ) I purchased the house in XXXX for {$180000.00} with XXXX mortgage and then in XXXX I refinanced with new century mortgage. There was a " bait and switch " scam in that the mortgage broker told me there would be " no points or closing costs " only to reveal at the last moment, {$16000.00} in closing costs. I had no choice but to roll that amount into the new loan of about XXXX. 

XXXX XXXX went bankrupt. XXXX XXXX XXXX have done a fraudulent sale of the servicing rights to GMAC. ( xxxxxxxxx, a foreclosure consultant at a non-profit said there was a fraudulent signature and documents at that point - also a " robo signature " on the document. See the government settlement with GMAC ) GMAC went bankrupt as well. 

I made payments to the various companies of about {$200000.00} in total since the home was purchased in XXXX. In XXXX the house went into foreclosure but that foreclosure did not happen. I have not made any payments to OCWEN since they " took over " the debt. There was a financial hardship in that I was diagnosed with XXXX in XXXX ( successfully treated ) and my employer wend bankrupt in XXXX. 

Apparently XXXX Bank was involved in a trust to bundle many " debts '' and their name was used to help OCWEN get the servicing rights to the debt. There is no clear chain of title. 

Ocwen has been paying insurance and property taxes. 

The house is in very bad shape. It has mold, bad plumbing, heat is a problem and there are structural problems. OCWEN 's property management company broke into the house on several occasions and damaged the door, windows, stole property, I believe, and moved the contents of each room to the center of the room. I called the police and notified them of the last break in. 

Apparently the value of the house is currently about XXXX. The land is worth XXXX and the house perhaps {$50.00} k. 

Because of the above I sent a " rescind letter '' to OCWEN. They did not respond in time but did respond saying they would not negotiate with me. 

I understand the debt could be rescinded but if not perhaps I could settle with OCWEN for the funds they spent so far, property taxes, insurance and the fee they paid for the servicing rights. I do not know what that total would be. 

Please let me know if the CFPB can help settle the situation. I need to sell the house, pay OCWEN for any out of pocket money and get some of my investment back from the sale of the property to help pay for new housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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:
Theres a fraudulent credit inquiry on my credit report that needs to be removed Inquiry : 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 2020-09-28
Company: Experian Information Solutions Inc.
State: TX
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 mail my police report and ftc report with the additional documents required to get the fraudulent account block from my credit. I submitted them to XXXX, experian, and XXXX  and it took 2 weeks for them to recieve the documents. this is what the credit bureaus said. XXXX said that they refused toblock my fraudulent items or dispute them. XXXX  wont even answer or respond. and XXXX  must respond within 4 business days after they recieve the documents. experian took some items off but wouldnt do two of them and experian deleted XXXX  XXXX  and then put it back on there 2 days later, which is a FCRA violation of reinsertion. they have to notifiy the consumer within 5 businesss days, it was deleted friday and inserted monday. for experian the two accounts, XXXX/XXXX  and XXXX XXXX is the two accounts they refused to deleted with my affidavits and police reports

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 2016-07-28
Company: Northstar Location Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Northstar Location Services , LLC ( NLS ) initially contacted me on XXXX XXXX, 2016 when it mailed a letter proposing that I settled an expired, outside the statute of limitations, debt. This letter was their initial contact with me pertaining to this debt. NLS has not contacted me after this initial contact. The letter did not contain the right-to-dispute the debt disclosures.

Company response to consumer: Closed
Consumer complaint received 2016-10-31
Company: Stellar Recovery, Inc.
State: WV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Had a contract with XXXX.wasnt happy with service.wanted to go back to XXXX.XXXX said they would pay termination fee, and they did! XXXX said we owed more which we did n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Services received by my son from XXXX XXXX during period that my son had full coverage from medical with XXXX copy. When I discovered that this was a charge now sent to collections that was not my responsibility. I tried several ways to resolve this. I faxed a letter from Medical stating coverage start date and proof of coverage during the visit that was wrongfully placed as my debt. I spoke on the phone to XXXX and XXXX and was asked to fax proof of.coverage. I made a copy and did just.that. I am suffering from this collection account, Medical may have made a mistake.or the billing department from the clinic. I want this to be completely erased from all XXXX credit bureaus. Thank You, XXXX 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 2017-02-01
Company: Benuck & Rainey, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX from XXXX and XXXX keeps calling me on a debt that I have paid three times on. I am actively pursuing legal action as it is damaging to my good name, credit, and character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
RE : USAA Federal Savings Bank. On XX/XX/XXXXXXXX  I went to check my checking account online to see if a check had cleared. The account was missing. I called the bank and was told the account was closed and a check had been mailed. The only explanation they gave me was that I had left off my birthdate on a document they had requested. There were approximately 12 pages which I had uploaded per their instructions. My copy of the documents requested show the birthdate. My balance at the bank was approximately {$120000.00}. I have not received the check as of XX/XX/XXXX. I have been a member of USAA since XXXX and had insurance with them ever since. I opened a banking account when they started the bank. I don't remember the date. I was never contacted regarding the closing of my account. No phone call, no text message, no email. I have everything on auto-pay, auto deposits. I have already been charged {$15.00} when my auto-pay to XXXX XXXX credit card was returned. My auto-deposit of my Social Security has been returned and can't be changed to a new bank account until the XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National credit adjuster {$310.00} PAID Wont remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Genesis FS Card Services, Inc.
State: TN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, most honorable protectors. I have two credit cards that are sadly over their limits with Genesis FS Card Services, which services my Destiny and Indigo accounts. These two are my sole credit cards. In XXXX of XXXX, a strongly suspicious event occurred where one card was pushed over the limit in a matter of hours despite recording the actively remaining available credit that lied on it. Moreover, and of note, is the fact that the other card with a lower available balance carried a purchase that date which was significantly beyond the credit limit remaining on it. 

I do believe in paying off my credit cards in full each and every month and there is no way to sidestep that. However, bouts with unwilling XXXX and a XXXX XXXX  for 23 days at a XXXXXXXX XXXX  kept me from contacting the card company. Additionally, I was severely mistreated at the institution where I remained, and could not receive access to my financial accounts via the web. It is doubtless for me to say that I am through with XX/XX/XXXX, but the XX/XX/XXXX of XX/XX/XXXXwhich arise from XX/XX/XXXX remained for several months. Therefore, I missed several opportunities to make contact with the card company, yet still. Confidence is upon me now, and I will keep it that way. 

To relate that sentiment, I dialed in on XX/XX/XXXX to Genesis FS Card Services. I explained that my account was taken advantage of and that I was in need of new cards. The promise was that I would receive them within three weeks. They never were delivered. 

Another outgoing call was made on XX/XX/XXXX, where I learned that a multi-day system update was taking place whereby no agents would be available. Ultimately, I buzzed their line today, Thursday,XX/XX/XXXX and I reported the flaws in the card delivery and how I needed an inquiry into the causes of my cards being mishandled. Specifically, I requested that they allow me to get my cards to research my XX/XX/XXXX and XX/XX/XXXX statements. Again, the same three weeks notice was given. Also, depending on the amount of penalties, I want any fees and interest removed from my account since XX/XX/XXXX, my date of first contact. Logins are currently unavailable to me, due to the instance of my phone and email being different at this present time. When my cards come in, that's when everything gets better for me, as I need the new accounts to authenticate myself. 

Things need a sharp turn at this moment. A month-long effort to resolve my debts in the 21st century is a true neglect on the part of Genesis FS Card Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
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: Problem getting your free annual credit report

Complaint:
I have tried for several years to access my Equifax credit report from XXXX XXXX and I can not pass ore screen
questions. 1. I dont have mortgage 2.dont have auto loan 3.dont know amount of said auto loan 4.no bank account with those shown.

Company response to consumer: Closed with explanation