BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Medical Data Systems d/b/a Medical Revenue Service is in complete violation of 18 USC 8, which states all debt is an obligation of the USA. In addition to try and make me pay this ALLEGED DEBT, puts them in direct violation of False Claims Act ( FCA ) 31 USC 3729-3733. 

A contract between me and Medical Data Systems was never given, there is no wet signature from I, THE CONSUMER that puts me in business with them. They are violating 18 USC 894 for trying to coerce and swindle me into making payments. In addition, I never gave ANY authorization for them to have my personal information in which they illegally obtained according to 18 USC 1028A, aggravated identity theft. 

I DENY BEING LEGALLY OBLIGATED TO PAY ANY AND ALL ALLEGED DEBT TO MDS AND I DO NOT CONSENT TO CONTRACT, at all. MDS is now civilly liable to me under 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan Servicing is running a scam that they now impose a {$10.00} fee for paying your mortgage on their website if it is more than 10 days past the due date. This is true even if you are still within the grace period. Apparently, I have to write a check and use snail mail to pay my mortgage otherwise they charge $ XXXX {$19.00} to pay electronically or over the phone. We all know the transaction costs for processing electronic payments is minimal and this is just an attempt to try to make people miss the deadline and incur late fees. This is an unfair business practice that the government should be prohibiting. It costs them no more money to process a payment on the XXXX of the month than it does on the XXXX, but it eliminates the grace period that was provided by law. Because I ca n't just change my loan servicer when they adopt obnoxious processes, the government should be stepping up and regulating these practices. It would be nice if the Consumer Financial Protection Bureau actually protected consumers from these outrageous practices. Because it costs them more to process paper checks, I will go ahead and start mailing checks again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Last year around XXXX 2016, Nordstrom out of nowhere froze my credit card with them. I have tried every attempt to contact them through their online messaging center and through phone. Every single time I message, they do n't give any answer other than to call them. Every single time I call them, they do n't tell me why my account is frozen, and do n't tell me what I can do to unfreeze it, do n't tell me who I can talk to or call, and they never call me or follow up to continue the conversation so that I could reach a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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:
On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/2022 that the item was deleted from my credit report. 
Now I have discovered that the item has been inserted on my credit report on XX/XX/2022. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: CO
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:
Between mid XX/XX/XXXX and XX/XX/XXXX, Equifax experienced a data breach, and my financial information was, likely, divulged without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a XXXX XXXX XXXX Veteran and XXXX XXXX. I completed XXXX year and XXXX months of XXXX XXXX. I completed approximately XXXX years and XXXX months in the active reserves and XXXX XXXX. To reduce personnel, the XXXX XXXX offers a voluntary program called XXXX XXXX. What this program does is allow a veteran to voluntarily separate from XXXX XXXX into the XXXX XXXX XXXX XXXX. The XXXX must then double the amount of time owed on XXXX XXXX ( in this case XXXX years and XXXX months ) and complete this term in the active XXXX XXXX XXXX. I accomplished this. Had I known that separating from the XXXX XXXX XXXX XXXX XXXX prior to XXXX years of completing XXXX XXXX, I would have stayed and at least met this minimum requirement. 

I have purchased and/or refinanced homes XXXX times each time receiving a Certificate of Eligibility ( COE ) from the VA. Now, I am applying for a VA loan with Freedom Mortgage. Almost all areas of the process have been completed to approve the loan ; however, the VA will not issue a COE thus preventing Freedom Mortgage from completing the loan. I served my country, I am a Veteran, and I served honorably. I should be allowed to receive a COE since I have been given XXXX before as a veteran. I think this sets a precedent. The VA denied sending the form to Freedom Mortgage. The VA informed me that since I did not serve XXXX years XXXX XXXX, I am not eligible for the COE to use the VA loan benefit I was promised back in XX/XX/XXXX when I separated service to join the active XXXX XXXX XXXX voluntarily and with the Air Forces ' blessing. I XXXX from the XXXX XXXX in XX/XX/XXXX or so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Home Depot credit card open fraudulently in my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has reported on my account on all three credit reports as amount delinquent. The company has reported Account charged off in {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. Yet the full amount this was reported on form 1099c as cancellation of debt but still reporting to credit bureaus as of XX/XX/XXXX and continuously for the last few years. The account number for this account is XXXX. The address for XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
EXPERIAN provides me a free credit report online every month. Apparently this was for the purpose of complying with the Fair Credit Reporting Act. Ever since XX/XX/2019, they had stopped providing me a credit report free of charge every month. I am entitled to my credit reports. Rather than repair malfunctioning computers which prevents me from obtaining an accurate report Experian has suggested that I write a letter to fix the problem despite concerns in FCRA regarding efficiency. See e.g., 15 U.S.C. 1681 ( a ) ( 1 ) " Inaccurate credit reports directly impair the efficiency of the banking system. ''

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 2018-10-19
Company: Experian Information Solutions Inc.
State: TX
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 previously filed a complaint concerning unauthorized credit inquires I did not authorize.

Subsequently, a unknown party used my information to obtain a car loan.

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 2016-11-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We were scheduled to close on a house on XX/XX/2016 - all cash deal and have the money wired to the title company in the sum of {$540000.00}. On XX/XX/XXXX we had {$530000.00} wired from our private brokerage account XXXX who banks with XXXX wire the above sum to XXXX No : XXXX and {$8000.00} wired to the same account from Chase. XXXX got a red flag that this was a fraudulent account and stopped all wire transfers and nothing was wired. ( That account was flagged as a fraudulent account and this individual is a known felon and can not sue ) A police report was filled out on behalf of my husband and I and transferred to Detective XXXX. Case # XXXX. 

On XX/XX/2016, XXXX returned {$530000.00} to our XXXX account and we took out an additional {$8000.00} so we could close all the while being told by Chase that it would take a few days to return the {$8000.00}. 

Fast forward 3 weeks and XXXX & Chase keep pointing the finger at each other. The money has never left XXXX so I do n't understand why they wo n't return the {$8000.00}. XXXX is stating Chase needs to sign a Uniform Indemnification Agreement that will allow XXXX to release the {$8000.00} to us, however, if for any reason a lawsuit comes out of it, XXXX is not held responsible and Chase takes 100 % responsibility. Chase refuses to sign this as they do n't even have the money. My husband and I agreed to sign anything that we will not bring legal action to either bank. XXXX met with their legal team and they will not accept that. The case number for XXXX is XXXX. 

The people we have spoke to at XXXX are as follows : XXXX ( Fraud ) - XXXX XXXX - Branch Manager - XXXX ( go between us and legal ) XXXX - District Manager - XXXX The people we 've spoken to at Chase are : XXXX - Branch Manager where wire transfer took place - XXXX XXXX - Executive Director Market Director - XXXX We appreciate any help you can provide us in getting our {$8000.00} back. I appreciate your taking our situation seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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:
Despite all my efforts to contact the Credit Bureaus to correct my Credit Report, it is clear that the Credit Bureaus have have failed to pay heed to my disputes. I previously sent a letter addressed to the Credit Bureaus dated XX/XX/XXXX with complete attachments of my personal information and have waited for them to respond. I have been waiting for quite a long time now and I came to a conclusion that the Credit Bureaus have ignored my written appeals. It is as bright as daylight that the Credit Bureaus have violated the Fair Credit Reporting Act section 605b which states that the Credit Reporting Agencies are required to remove any account and information that resulted due to Identity Theft. I am disappointed to see that the Credit Bureaus have done nothin to correct my Credit Report and continued reporting false information without proper verification. I previously submitted a complaint about this matter and I am submitting this complaint once again hoping that the Credit Bureaus would finally take action and have the disputed items deleted as soon as possible. I need the following items removed from my Credit report as soon as possible : 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/20 I sent out XXXX letters to all 3 credit bureaus Transunion, XXXX, and XXXX. The letters detailed my disputes of the accounts that the bureaus are reporting inaccurate information on my credit profile. Its been over 60 days and I have not received any information on the results of the investigation from the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has reported on my account on all three credit reports as amount delinquent. The company has reported Account charged off in {$440.00} written off. {$440.00} past due as ofXX/XX/XXXX. Yet the full amount this was reported on form 1099c as cancellation of debt but still reporting to credit bureaus as of XX/XX/XXXX and continuously for the last few years. The account number for this account is XXXX. The address for XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the XXXX Credit Bureaus dated XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. Please do your job and correct this account. 


XXXX XXXX Late Date 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 2019-08-02
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:
Equifax removed a negative account from my XXXX  file, XXXX XXXX which I never owned, then dropped my XXXX score from a current XXXX to a XXXX ... .while I have nothing but current paid credit account, along with increased credit lines over past 2 months from accounts ... my score is being low based by their system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was young man and had no idea how much credit played in your life. I wasn't aware it was a necessity to live and could affect you so tremendously. As I got older I started learning more about credit and realized I should be monitoring it frequently. Looking upon my credit reports and open accounts, I saw an account that I didn't understand or recognize. In which I realized my identity had been used in my youth years which I didn't authorize or aware of. I have a credit inquiry on my credit report that I did not authorize such as : XXXX XXXX XXXX My address is incorrect on the report. My address is XXXX XXXX XXXX XXXX, XXXX XXXX fl, 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello-On XXXX 2021-I disputed inaccuracies pertaining to my credit report-and requested they be removed-I also have written certified letters to all 3 bureaus and to XXXX XXXX ; to no avail nothing has been removed or resolved. 
I received a response on XX/XX/XXXX XXXX-stating they found no fraud, and that the investigation was finished. 
To this day-XXXX XXXX has not shown me proof that any investigation findings were ever done. 

I have repeatedly asked both parties to kindly remove these inaccurate accounts and dates off of my credit for it is severely lowering my score and I am unable to obtain proper credit at the highest level. I have also asked for the original contract signed, They have provided me with no proof as of yet.

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 2017-09-02
Company: JPMORGAN CHASE & CO.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Previously submitted a complaint. Company 's response was unacceptable. Originally tried to pay off the loan in XX/XX/XXXX using the bank account I have used to make monthly payments for XXXX years. XXXX weeks later, I noticed Chase never processed the payment. I contacted them and Chase indicated no concerns. XXXX days later they reinstated the loan. I immediately called them and they submitted the payment. Again, no payment was deducted and they reinstated the loan. 

After filing an initial complaint with the CFPB, Chase wrote a response blaming me for providing them with a savings account number. They claim they can not process payments over the phone with a savings account. At no time did any Chase representative tell me this when I made multiple attempts to payoff the loan. The letter notes I could make suc a payment online, but my account had been locked by Chase. I have no ability to pay! 

I contacted Chase 's executive office on XX/XX/XXXX. They placed me on hold several times, and untimely routed me back to basic customer service ( the same customer service unable to process my payoff earlier ). 


The account I provided them is my only bank account - it has a checking account attached to it. Chase has withdrawn every monthly payment previously from this checking account - both auto and crefit card. 

They have provided me no way to payoff the loan. They continue to blame me for giving them a savings account number. Finally, they have reported me as missing a payment, which negatively affects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: NY
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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an XXXX XXXX XXXX  # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}. 

I acknowledge your immediate attention to this matter and response within 4 business 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 non-monetary relief