BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXT Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: Federal Adjustment Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
They are attempting to collect on a debt that has been included in Chapter XXXX. They continue to report incorrectly on my XXXX  report. It's been verified via XXXX  twice and it's incorrect. They are in violation of the bankruptcy code and FCRA.

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 2020-03-24
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage is charging a {$7300.00} inspection fee which never took place and there is no documentation of this fraudulent assessed expense. PHH Mortgage will not allow an accurate pay off quote and payment Information. When called, we are getting non compliance and payments are not being applied to this account. 
We suspect PHH is committing inappropriate activities which the company has been accused of in XXXX XXXX and recently settled a case in XX/XX/XXXX. 

1. Offered for settlement {$8600.00} Owed {$8600.00} 2. Principal {$570.00} 3. Interest {$100.00} 4. Total Payment {$680.00} What PHH Wants 1. Monthly Payment Of {$17000.00} 2. Fraudulent Inspection Fee Of {$7300.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XX/XX/2020 there was an unauthorized inquiry from XXXX own i notified the credit bureau of this discrepancy and they refused to remove the inquiry XX/XX/2020 another unauthorized inquiry from first Franklin

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 2015-08-06
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Message to TD Bank Customer ServiceMessage : Date XX/XX/2015XXXXSubject OtherMessage Account : TD CONVENIENCE CHECKING XXXXAmount : XXXXMessage : Opened my account on XXXX XXXX, 2015 @ XXXX, at XXXX XXXX XXXX, XXXX MD XXXX , at which time I set up, or was instructed during account setup my account would do an automatic transfer prior to any fees. That did not occur. In fact, XXXX of fees were charged to my account in which it seems a FRAUDULENT and/or SCAM-LIKE manner ... or that is how this assessment of fees due to a obvious bank error, including charging a fees assessed for transferring available funds to my savings account. I am very disappointed and feeling very SCAMMED. The customer service representative XXXX, was HORRIBLE! A very disappointing and offensive conversation. This experience is converting into a nightmare, when I have referred XXXX ( XXXX ) people. I am very discouraged. I respectfully request an immediate reimbursement of my XXXX to my account, and correction to ensure this does not occur again. I would like to not have to make this issue become a issue requiring mediation of a third party. I would appreciate assistance in resolution, immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-24
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In  XXXX   XXXX  I received a letter fr om Afni Collections , Inc. regar ding a debt with  XXXX  as the creditor and the balance as {$4500.00}. I mailed a certified letter of dispute stating I do not owe this debt and requesting they verify the debt as required by FDCPA. Within 30 days I received what appeared the exact same lett er ( s ). I then followed that with another certified letter of dispute but stated they must validate the debt and to asked for the following : 1. Agr eement with your client that authorizes you to collect on this alleged debt.    2.  Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.    3. C omplete payment history on this account, to prove that the amount you wish to collect is accurate.     Within 30 days of my second letter I received another letter fr om Afni but all  they included of the requested items above was a bill. The bill reflects a bill period of  XXXX   XXXX  -  XXXX   XXXX   XXXX  and the same name as mine with an address in New York ... the bill shows the following devices :  XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   With that said, I have never lived in New York nor have I ever set foot there and have been a Florida resident 100 % since birth. I have never owned/purchased/leased any of the above items and I have not had an account with  XXXX  for near ly 10yrs if no t greater. I believe this to be a result of identity theft. When filing my  XXXX  taxes in early  XXXX  I became aware of a fraudulent attempt of a filing in my name. Fortunately that filing was flagged and held and with me being an early filer it was never processed. There was no compromise to my knowledge and the IRS handled it well and assigned me a PIN, etc. My  XXXX  filing earlier this year was smooth and successful and my credit shows now compromise as well and it certainly does n't show any  XXXX  account or reflect such neglected behavior which I stated  to Afni in  my last letter to them. This is not my debt and  Afni nee ds to cease their actions towards me.     Kind regards

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
So a few weeks back i went into my local td branch to get a new debit card made and to deposit cash, while i was inside i delt with a few different individuals at the branch in XXXX nj. I was assailed verbally while explaining that i didnt agree with a few service fees i was being charged, the bank had not only changed my account status from student to non without notifying me ( which changed the minimum account balance from XXXX to XXXX $ ) but ALSO changed their overdraft fees to make them more stringent, so that even if you made sure to bring the balance to XXXX $ the same business day, they would still charge you XXXX DOLLARS the following business day PER transaction regardless of how the account closed on the day it was over drawn. So i tried to reach someone at a corporate level, noone was to be found, was given the run around verbally, told noone would be available and then eventually told i would receive a call back from a rep within 24 hours, that of course didnt happen. So essentially i was told to shut up and pay the fees even though i was arguing that thety were unjust seeing as how i never received any literature on the policy changes and or signed off on anything, in relation to terms of agreement. the answer from them was literally, oh well it was posted on our website, WHICH is an unacceptable response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-29
Company: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
PNC Bank bought my mortgage and now they make me pay a {$7.00} fee to pay my mortgage online. This fee is unfair as I did n't have to pay it with my previous lender and is now an additional charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions 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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$27000.00} on the XXXX   partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned to the dealership within the time frame allotted to do so. The vehicle was then sold at auction and sold for more than what was owed and therefore this account needs to report at {$0.00} balance. There is no outstanding balance and consequently no collection amount to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I was laid off in XXXX, and was able to maintain my accounts, and sanity, until being forced into bankruptcy, XXXX XXXX. 

Neither my XXXX with XXXX or the HELOC with Chase were mentioned. 

XXXX notified me they were required to cancel my auto-pay until discharge, and could mail payments until the discharge came through at which time the auto-pay would be re-instated. 

Chase notified me they would not accept any payments until discharge, even though I said I wanted to mail them in every phone conversation I had with a Chase agent. Each time, I was told " Not until you 're discharged ''. 

By the time the discharge was in my hand, Chase had transferred my account to 'modification ', which I had NOT requested, again refusing payments until 'modification ' was resolved. 

From XXXX, XXXX to present, EVERY call I had with ANY of the numerous agents I was 'assigned ' to contained - " I want this resolved so I can resume payments '', as a review of their phone logs will confirm. 

EVERY request I made to resume payments was met with refusal. 

In XXXX, XXXX, I resumed payments, which were accepted until XXXX checks were mailed back to me in XXXX, XXXX. 
Another payment was accepted in XXXX, XXXX. 
From XXXX, XXXX until present, I 've supplied every document Chase requested, multiple times. 
I have been put through the same process over a XXXX times, each time with a different agent, having to go through the same process time and again. 
NO one in any position of authority at Chase has never accepted responsibility for the position they have put me in, even though the last XXXX agents I 've had to deal with, XXXX XXXX, XXXX XXXX and XXXX XXXX, have agreed that a ) this is wrong, b ) this is not of my making, and c ) I 'm not the only XXXX this is being done to - not that I ever thought I was alone in this. 

Since XXXX, XXXX, when I got notice they would no longer accept payments, all I 've wanted to do was resume paying the indebtedness I agreed to pay. 

Chase is now demanding what they are calling 'delinquent ' in XXXX sum or they will foreclose, and XXXX agent told me that Chase had foreclosed in XXXX while I was still supplying the requested information. 

Both the Housing Counselors at the XXXX in XXXX, and an agent I spoke with about a Reverse Mortgage said that this is a tactic Chase has been using for years and they hear the same story time and time again. 

I feel Chase has purposely put me in a position I 'm not able to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called Equifax XX/XX/22 to report inaccuracies on my credit report that needed to be removed immediately due to it causing extreme difficulties in my everyday life. I was told by a supervisor that the items that i reported as inaccurate would be removed within 4 business days according to federal law. It has now been two weeks and nothing has been removed. All the incorrect addresses, invalid phone numbers, incorrect employees, a company called XXXX XXXX and XXXX XXXX. I was advised it would all be deleted in four days. I was also told that a dispute was not filed but request for deletion. I have made several attempts to remind them of their duty of 15 USC 1681 accuracy and fairness of credit reporting. It seems as though Equifax is intentionally neglecting remedying my affairs. Also my life! 15 USC 1681 a ( d ) states as a consumer I and due, promised accuracy on my credit report based on Federal Law. 15 USC 1681i ( A5 ) states that after reinvestigation all unverified information must be promptly removed and the records clearly show that it was never properly investigated so it can not be properly verified or validated. Due to the above reasons Im asking that ALL NEGATIVE closed account, charged off accounts, collection accounts, incorrect reporting invalids addresses, employers, phone number, incorrect spelling of names, to be removed from my credit report per federal law. 
These are the confirmation numbers I received from the supervisor who specifically told me they were for the deletions. The call was recorded. However, I called in today and it was said to be disputes. So not only are these corporations violating my rights as a consumer they are blatantly lying in our faces XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received the letter from BOA customer complaint and was asked to call back to verify the case with XXXX XXXX, No matter how many times I call and leave many voice messages, but I still cant find her, maybe they were reluctant to solve my problem. I have the evidence of Call outs list The Email from the BOA : Dear XXXX XXXX, Thank you for contacting Regulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. I am your point of contact until this matter is resolved. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2021 to confirm that information. My days and hours of operation are Monday through Friday from XXXX XXXX. to XXXX XXXX XXXX. 

Please note that we will be responding to your concerns via a secure email. Please follow instructions in that email to access our response. If you need additional assistance please contact me at the number below and I or one of my colleagues will return your call within 48 hours. 

This communication is for information al purposes only and is not an attempt to collect a debt. However, Bank of America, N.A. is required by law to inform you that this communication is from a debt collector. If you are currently in a bankruptcy proceeding or have previously obtained a discharge of this debt under bankruptcy law, this notice is for informational purposes only and is not an attempt to collect a debt, a demand for payment or an attempt to impose personal liability for a discharged debt. 

Thank you, XXXX XXXX XXXX XXXX Regulatory XXXX Bank of America XXXX, extension XXXX Case number : 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 monetary relief
Consumer complaint received 2022-04-09
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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In XXXX of 2022 I sold a property. The property had a Truist home equity loan. They initially lost the payoff from the title company that closed the property. The XXXX envelope was signed for by a Truist employee. About a month later, they admitted that they lost the check and asked the title company to issue a new check. The account should have been closed since the property had been sold. 

However, they subsequently force placed insurance and charged me for that insurance. They withdrew the money from an account at another bank even though I had deleted all payment information prior to selling the property. Every person at Truist told me that was not possible since I had deleted all payment information. Yet, they still found a way to steal the money from my other account. 

In XXXX, I was told it was all taken care of and the insurance had been canceled. But now, Truist has sent me another letter threatening me with forced placement of insurance yet again. No one at Truist is smart enough to figure out why they keep buying me insurance for a property I do not own.

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 2015-11-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Supposedly simple, I charged my trip thru my XXXX card. The Agent said, it 's DENIED! So I used a different card XXXX, and everythings okay. I called my XXXX card and i told them that I was dissapointed and embarrassed. The Agent said your'e okay and do n't worry about it. The next day I checked my XXXX account on line, and all the denied charges are there amounting to more than XXXX. I called the XXXX card and my Bank, Chase. They said I authorized it and I ca n't do anything about it. what a hurdle, I went to the bank, and they gave me a hard time as it was my fault, nothing happened. Then I used my card to buy gasoline for XXXX dollars, and it was denied. I went back the next day and told them the problem. For more than XXXX minutes all their responses were irrelevant to the problems. I started raising my voice, thats when they produced a document. They told me to fax the documentation to the dispute office ( to find out that the FAX number is not correct ) I check my statement on line and I can not see anything, then I called them while I 'm on line and they told me that check the statement on line and Yes, it was there but I can not read the statement, very small and not clear. For more than a month it was very stressful and raised my XXXX XXXX. Then at the end of the month, I found out that the bank automatically deducted {$380.00} cents. The email said that the thanking me for the automatic payments. A few days later all the emails were deleted, i can no longer track the messages. At least they removed a lot of disputed charges but end up deducting XXXX item from my checking account without my knowledgedt. I am already old, I 'll be XXXX yo and can no longer handle this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent documents necessary to have all accounts and inquires listed removed. Please provide documented proof of alleged indebtedness or proof I made the inquiries or remove and block these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent documents necessary to have all accounts and inquires listed removed. Please provide documented proof of alleged indebtedness or proof I made the inquiries or remove and block these accounts 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