BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$3100.00}

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 2022-09-22
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale Mortgage is using a Financial Scheme/Mechanism to fraudulently OVERCHARGE my Escrow Account. 

United Wholesale Mortgage is using MISSAPLICATION REVERSAL in order to ARTIFICIALLY create the Escrow Advance of : {$3000.00}. 

My loan was in forbearance from XX/XX/XXXX to XX/XX/XXXX ( due to Covid 19 ). 
On XX/XX/XXXX went in effect the Loan Modification. 

United Wholesale Mortgage negligently or intentionally gamed/manipulated the payment system and falsely applied payments for the period my loan was in forbearance. ( without me making payments for that period since was in forbearance ). - please see evidence 1 & 2. 

More exactly, they applied {$1700.00} to my Escrow Account ( due date XX/XX/XXXX when my loan was in forbearance ) and {$1300.00} out of {$2700.00}. XXXX ( due date XX/XX/XXXX when my loan was in forbearance ) also to Escrow Account. - please see evidence 1 & 2 Here comes the " catch '' : On XX/XX/XXXX they have " performed '' a MISSAPLICATION REVERSAL ( " reversing the funds " ) and ARTIFICIALLY CREATED an ESCROW ADVANCE : {$1700.00} + XXXX = {$3000.00}. - please see evidence 3, 4 & 5. 

A fraudulently created ESCROW ADVANCE OF {$3000.00} was charged to my account. - please see evidence 4 United Wholesale Mortgage was invited many times to explain in writing the reason for ESCROW ADVANCE, to justify it, to provide proof of payment ( receipts, bank statements, wire transfers etc. ). - please see evidence 7 Moreover, they were invited to REFUND the money if they can not justify it and or/support it by requested evidences. - please see evidence 7 They NEVER offer a refund or justification or any supporting documents that will justify the Escrow Advance. - please see evidence 8 United Wholesale Mortgage declined/avoided to offer any explanation in writing as well. 

Is this fraud? Is my Escrow Account under intense assault by a mortgage company that is truly determined to defraud me? 

Why United Wholesale Mortgage is so speechless about it and no real investigation was ever made regarding this overcharges? 

The only thing I asked for was to stop abusing me, stop injuring me and refund what was abusively and unjustified was taken away from my account by someone in charged with my loan administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I placed a fraud claim with Bank of America about a scam I was a victim of. I was scammed by a person claiming to be a Bank of America fraud department employee and lost funds in the amount of {$3100.00} I promptly made a claim with my banking institution, it has been 3 weeks. I do feel as if Bank of America is doing their due diligence to recover my funds and protect my finances.

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 2022-12-02
Company: EQUIFAX, INC.
State: NC
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX US DEPT ED XXXX XXXX Owed : {$2500.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$160.00} ; US DEPT ED XXXX Balance Owed : {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  XXXX # XXXX, n accordance with the Fair Credit Reporting act XXXX  Account # 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 a 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 2022-12-02
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
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/22, I received an email notification from First Citizens bank of a checking and savings account opening I did not request or authorize. Per the email, the checking account ending XXXX and savings account ending XXXX. I promptly called and spoke with their fraud department and advised I have been a victim of Id theft in the past and I do have fraud alert on my credit file. They told me the accounts would be closed as fraud ; however, on XX/XX/22 received an email alert today from their bank that my monthly statement is available for view. I have XXXX confidence that the bank took appropriate action to close the accounts. Why am I receiving email alerts for the accounts reported as fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Purported entity, not registered as an LLC in XXXX, established the website XXXX. They use the name XXXX XXXX XXXX. Previously they were using the false name XXXX XXXX XXXX. They repeatedly robocall consumers, several times per day, and assert a case has been filed against them. 

Company changes name frequently. 

Debts are all outside the statute of limitations for filing a suit or previously disputed debts. 

Company appears to be a false name, possibly affiliated with XXXX XXXX XXXX, as once an agent mentioned XXXX. 

Address is a mail drop. 

Company uses XXXX as telephone. Company uses maildrop XXXX XXXX XXXX, XXXX XXXX, XXXX Ga XXXX as only address. Callers claim they are in XXXX, but no registration with Georgia Secretary of State.

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 2020-04-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
someone else 's name and social security number is on my credit report and i do not know the person. 
have tried numerously since the last two received credit reports to resolve the issue

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 2022-06-08
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Regions Bank, XXXX XXXX XXXX, XXXX XXXX XXXX Bank Officials XXXX XXXX and XXXX XXXX XXXX Customer Service I have received two notices concerning my mortgage payments, they are delinquint and am being charged fees. Since I started payments on the mortgage XX/XX/XXXX I have always made my payments sometime a little before to a little after the date, this last month I have been falsely accused of missing a payment. My loan details can be confirmed that I have made payments, they have been posted, and no issues until now. 
I have sent copies to the bank in Mississippi requesting the fees be dropped and any negative comments on my credt if any to be removed. I have paid the late FEE of {$250.00} as of XXXX XX/XX/XXXX just to avoid additional issues. I make my paymenys electronically and always have since my account has been active. This unfair and unjust action against me has caused severe emotional XXXX, lack of sleep and constant worry. Please help. Respectfully 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 non-monetary relief
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: DE
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:
I took a look at my consumer report recently and I was extremely puzzled which caused anxiety upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and EQUIFAX has violated my rights.

-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states that a consumer reporting agency can not furnish an account without my written consent or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation not an option, that any consumer reporting agency exercise their grave responsibility with fairness, impartiality and respect for my right to privacy 15 USC 1681 ( b ) my consumer report is not equitable to me because of the unlawful negatively furnished accounts. 

Here are the errors as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: John C. Heath, Attorney at Law, PLLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I hired LexingtonLaw to fix my credit issues after I seen no progress I canceled the service in XX/XX/XXXX but the the charged me so I request a refund which the said the would refund me {$100.00} they didnt I kept on calling texting till the finally agreed to refund me the {$100.00} around XX/XX/XXXX I have the text to prove it so I went and check my account for the {$100.00} and the still made an unauthorized withdrawal from checking account after I had canceled there service XX/XX/XXXX. The. The refunded me for withdrawal from XX/XX/XXXX and didnt refund me for the illegal withdrawal they made on XX/XX/XXXX 2 month after I canceled the account with LexingtonLaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2022-07-01
Company: JPMORGAN CHASE & CO.
State: CA
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:
In XX/XX/2022 i purchased a car rental that was prepaid through XXXX. Upon picking up the car from XXXX XXXX XXXX in XXXX Hawaii XXXX I was informed that my card was needed for incidentals, they asked if I wanted insurance, I declined. 
Upon returning the car which had several issues we attempted to resolve with the company through out the duration, the worker XXXX and XXXX informed us to find our own way to the airport and Refused to give me my contract. When I arrived home, there was a charge in the amount of {$180.00} for insurance, which I declined. Their contract was not my signature and had several discrepancies from the blank one they emailed me. XXXX refunded the car rental portion for several other issues and now, my chase prime credit card is refusing to refund a charge that was never approved and not signed by me. I have file complaints against the car rental company for fraud as well. After researching the company, sadly it was found that they have done this to several consumers. 
Ive attempted to resolve this charge 4 times with chase, provided all my information including the forged contract and the difference between the one I have and they still said I made the purchase even though I Showed proof that XXXX refunded their portion and several Other items supporting my Claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
Over the last 4 years I began building credit, but have not been frequently checking and finding ways to improve my credit. Over the last 2 years, I found numerous accounts showing up and no resolution to these accounts. I also noticed improper reporting on one account that was mine. I tried to take action to this back in XX/XX/2023, but haven't had any luck with these accounts. I reached out via email to all 3 credit bureaus, but they have failed to provide any documentation to me at this point, or solution. It is a long and tiresome process that is difficult on my family, as I can not help with approval for a new home at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX, I deposited a check from XXXX XXXX XXXX XXXX for {$3000.00} to my personal USAA checking account. After I had submitted the deposit, I was told that my funds would not be available until XX/XX/XXXX in violation of Regulation CC which requires that a deposit is held for no more than 3 days. Additionally in further violation, USAA did not make the first {$200.00} available on the next day of deposit or the second {$600.00} on the second business day. 

Conversations with customer service rep were unable to request an early release and the only relief offered was for me to call back in 3 days and request an early release, where I MIGHT have access to my deposited funds. I have had this account for over XXXX  years so the new account hold does not apply to my account, however that is the hold they are applying. My account also does not fall into exception holds were the account has been withdrawn for XXXX business days out of the XXXX months or withdrawn over $ XXXX for XXXX business days. 

I deposited this money to pay my mortgage and because of the unlawful application of these hold, I will be late on my mortgage payment and incur late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I Signed With Global Client Solutions. Ran Across Your Court Case Dated XXXX XXXX, 2014 Where Global Client Solutions Illegally Collect Upfront Fees From Consumers.Also Consumers Ended Up Deeper In Debt Than When They Started. It Started With XXXXXXXXXXXX XXXX XXXX XXXX At ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Florida XXXX An Notery Public To My Home ( XXXX XXXX ) To Sign Papers. She Said Is An Independant Notery Pubic And Did'nt Use A Notery Stamp. We Never Received Any Paper Work From XXXX XXXX. I Noticed There Was Up Front Fees Of {$100.00} For 9 Months.I Called XXXX XXXX And He Stated It Would Go Into A Trust Fund And All My Credit Cards Would Be Paid Also. The Up Front Fees Were Going To ( XXXX XXXX XXXX XXXX ) At XXXXXXXXXXXX ( XXXX ) XXXX The Main I Reason I Caught This Was XXXX Never Gave The Name Of Who Was Going To Withdraw The Money From The Bank. That 's When Researhed Global Client Solutions. ( Total Enrolled Debt : {$10000.00} ) ( Estimated Program Length : 32 Months ) ( Monthly Payments {$290.00} Date : XXXX ) My Name Is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX. Phone # XXXX. Last Question Am I In Deep XXXX? Also When You Multiply {$290.00} X 32 Months Comes Out To {$9300.00} Not {$10000.00} Where Did {$1200.00} Go? I Need To Know If They Are Legit! Help Please

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation