BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It all started when I was receiving mail to my address with another young lady name on the mail from XXXX Bank. I was the first one to live in the home ( it was brand new when I moved in ) Also I worked for the XXXX XXXX and I knew of all residence that lived in the homes. No one by the name of the mail I was receiving lived there. Then I noticed on all three of my credit files that I had 3 XXXX Bank accounts listed on there. The only XXXX Bank on my credit files that is mine was my XXXX card, but XXXX XXXX Bank is now over the XXXX credit cards. 

I them contacted the creditor XXXX Bank and they immediately closed the accounts and sent me letters stating that they asked all 3 bureaus to remove the accounts from my files and they have not! The bureaus are aware of my credit files being mixed, identity theft and fraud on my files for some time now. 

XXXX has my credit usage at almost 500 % and that is due to them keeping those fraudulent accounts on my credit files XXXX and Transunion still have the accounts on my files as well but they have not increased my credit usage like XXXX did. 

All bureaus are also listing that I have late payments on my credit files due to those fraudulent accounts. 
They have police reports on file for me as well for identity theft and fraud, I am trying to purchase a home and this is ruining my chances of that. This is my last try to have this fixed before my attorney and I file with the courts on all 3 bureaus! 

They need to remove all 3 accounts from my credit files and correct my credit usage immediately My scores dropped over XXXX points because of this taking me from good credit to bad, all 3 bureaus have these accounts as closed on my credit files in bad standing instead of removing them!

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 2021-12-21
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was closed due to inactivity and I was never late with payments and now they are saying the credit limit is the debt i have to pay. I tried to get Victoria secret to release my account and they wouldnt. They told me I had to pay first then open up a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
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:
THE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPICATION ( INQUIRES ) IN MY NAME THEY MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX  & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: MI
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/XXXX I started disputing some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I the consumer did not consent too nor authorize these inquiries that are reporting to my consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from TransUnion, XXXX and XXXX. Everything is electronic I did not give them written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom willfully fails to comply with the requirement of 15 USC 1681n is liable to the consumer in the amount of {$1000.00} per section 1681 ( n ) ( a ). I sent all 3 bureaus an identity theft report via Usps mail via certified mail. Are they above federal law? Some of these 3 party Consumer reporting agencies are Foreign for profit corps doing work How are they able to share my consumer report without them contacting me for my consent to share my private information with these corporations. The bureaus humiliated me to the public and damaged my reputation. All 3 bureaus decreased my score because of these inquiries. If you can provide me a copy of a credit application authorizing the disclosures of my files with my actual signature, I will accept the inquires. If such application is removed I demand these inquires be blocked and removed from my consumer report. Transunion stole my identity and sold my information via credit sale to these corporations without prior consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: MA
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 XXXX/XXXX/2021, I received Experian 's response to my complaint on XXXX/XXXX/2021 Company 's Response " Thank you for submitting your complaint on XXXX XXXX, 2021 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information that you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that you would like the method of verification used to verify information on your credit report. You also request original signatures or any tangible proof that verify the accounts. But, you do not mention which disputed items you are referring to in regard to the previous investigations. At this time, we are unable to process your disputes, as they are not specific '' There has been corresponds via letters and CFPB 's portal numerous times between the parties. And each time I convey, with uploaded documents, I might add, that I want specific items removed off my credit report that are not accurate or can not be verified. Therefore, Once again, I will be sending Experian a certified letter with the exact same document that I will upload here. All we have to do is look at the history and the documentations. It states what I am disputing.

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 2016-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
There is a double-charge on my Bank of America checking account made in error by XXXX XXXX. XXXX admits the error, but they do n't seem to know how to resolve it nor seem to care. So I attempted 3 times to contact Bank of America to dispute this transaction, but I am put on endless hold and no associate answers the phone. Further, I stopped-in at my local Bank of America branch and they stated that all they could do was put me on the phone and that they too have not been able to reach an associate. This is unacceptable and demand resolution as this double-transaction was not authorized by myself.

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 2021-12-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 a third party fraudulently obtained my account access information ; a third party called me pretending to be a representative from the Chase Fraud Department, then tricked me into providing a texted confirmation code used to initiate a {$5000.00} XXXX XXXX out of my business account. An EFT stemming from this situation meets the EFTA Regulation E definition of unauthorized EFT, and Chase is responsible for reimbursement of these funds into my account. 
For nearly XXXX  months I have been in contact with Chase Claims Department, and they seem intent on giving me the run-around long enough for me to cede and give up on the funds that were stolen. I have filed a police report in XXXX XXXX, I've reported this incident with the FBI, I've contacted the Attorney General 's office, the FTC this CFPB, the OCC and the XXXX. Next, I will contact media outlets, news, radio, social media. 
The third party who called me, seemed to have been trained by Chase Bank. His language was identical to the language used by Chase Branch employees ( to " generate a XXXX code '' and they'd " walk you through the steps using your chase mobile app '' ). I believe these fraudsters are actually bank employees working from home. I imagine they use their own phones during working hours, and have a way to " spoof '' the caller ID to Chase 's XXXX number when making " courtesy calls '', then " spoof '' their caller ID during their time off to scam bank customers. 
This is not the end of the line for me, as I will continue to pursue this scam, and I am sure Chase does not want to deal with the fall out of exposing their off-site / outsourced employees stealing funds from their customers. 
Chase is responsible for reversing and reimbursing my stolen funds. Chase partially owns XXXX and intentionally relinquished financial liability for erroneous or fraudulent transactions, putting the onus on their consumers without making these terms clear to their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I purchased my home XX/XX/XXXX and did a rate change without requirement of refinance in XX/XX/XXXX. Bank of America improperly recorded the rate change as a Texas 50 a 6 loan ( cash out ) transaction which is now impacting my ability to do a Home Equity loan because of Texas Laws. I subsequently refinanced this same loan 12 years ago with Bank of America and the refinance was done with a XXXX position and XXXX position loan to avoid Private Mortgage Insurance. Neither of those XXXX loans were recorded as Texas 50 a 6 which under Texas law would be prohibited but they were recorded as a standard refinance In addition to those details in the State of- Texas you can only have XXXX Texas 50 a 6 loan at a time if you have a equity loan recorded ( even if recorded improperly ). The XXXX mortgage was again refinanced 19 months ago and again it was not recorded as a Texas 50 a 6 nor did the title company make we aware of the improper recording for a previous mortgage. 

I recently applied for a XXXX lien position Home Equity loan and my Credit Union found the discrepancy which is attached. That equity loan was to payoff the small XXXX mortgage and do home improvements. They nor any other financial institution can do anything at this point to allow me to use equity in my home until this is resolved. 

Bank of America has not been helpful in getting their error resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Mountain Run Solutions, LLC
State: IL
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:
Over the past year, I have been trying to get documented verification on the account associated with my name from Mountain Run Solutions. On XX/XX/2021, I had reached out to the XXXX major credit bureaus for assistance in verification. Even after providing proof, XXXX advised that they would not be investigating this account because the company has verified the account to be accurate without any documented proof.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
on XXXX 2015, I received a letter from GreenTree stating that they ( XXXX ) at XXXX extension XXXX would help us with our home property to be inspected and condemned as unliveable due to the poor condition of the house. 
On XXXX 2015, I got a call from XXXX XXXX with Greentree now Ditech president 's office ( XXXX XXXX XXXX ) at same number not sure of extension. She informed me that I would need to get the XXXX XXXX Housing Authority or Appraiser or commissioner to help with the inspection because Greentree only does outside inspections not inside inspections of the house. Sir, I have tried to get XXXX XXXX Appraiser, City and Commissioner to help, but no one knows how to go about helping us condemn the house because they have never heard of such a thing. 
Please help us to know how to approach this situation. Right now we are being charged exorbitant home owners ' insurance on the vacant house because it is in a vacant or abandoned situation which we did not want to move but we had no choice since the house was very detrimental to our health and our children 's health. Please help us to avoid further exorbitant insurance costs in fact by the end of XXXX the insurance company XXXX is going to assess a rate hike because they said they can do it? Please sir, the cost of insurance on a falling apart house is not worth the cost of carrying insurance on it. In fact the house payment is probably less than the cost of the insurance at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: PA
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:
I the consumer did not consent too nor authorize these inquiries that are reporting to my consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from XXXX, Equifax and XXXX. Everything is electronic I did not give them written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom willfully fails to comply with the requirement of 15 USC 1681n is liable to the consumer in the amount of {$1000.00} per section 1681 ( n ) ( a ). I sent all XXXX bureaus an identity theft report via Usps mail via certified mail. Are they above federal law? Some of these XXXX XXXX Consumer reporting agencies are XXXX for profit corps doing work How are they able to share my consumer report without them contacting me for my consent to share my private information with these corporations. The bureaus humiliated me to the public and damaged my reputation. All XXXX bureaus decreased my score because of these inquiries. If you can provide me a copy of a credit application authorizing the disclosures of my files with my actual signature, I will accept the inquires. If such application is removed I demand these inquires be blocked and removed from my consumer report. XXXX stole my identity and sold my information via credit sale to these corporations without prior consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Debt Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a bill from Debt Recovery Solutions LLC for {$370.00}. The Original Creditor is XXXX XXXX Hospital. I 've never been a patient with them, however I called the hospital to see if there was any record of me and there was nothing. I called the Debt Collection company and told them I would not pay because their information was invalid, and that I researched the issue with the original creditor. The woman stated that the Hospital would no longer have my info, which is not accurate. There would have to be a date of service, and proof that I was a patient there however the hospital was unable to find anything with my name or DOB. The hospital billing dept have also never heard of this company. I feel this bill was fraudulent and they are trying to steal money from people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I paid early, extra monies monthly and lump sums and NewRez, ShellPoint would not credit monies properly even reversing payment transactions and reapplying the monies ant later dates. This caused me to pay more in interest and hardship as in trying to pay off my loan early I keep running into these issues not knowing the correct amount I owe They constantly give me a credit for monies and then somehow increase my mortgage balance in the next line and then give me a smaller credit I reached out to them a couple times and got a run around was even told they were going to start a insurance policy because i was not covered which was not true. 

There is bad book keeping going on and it is so frustrating trying to get ahead when incorrect accounting on their part is holding me back I need help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The past billings from NewRez, LLC have routinely been received by the XXXX thru XXXX of every month for payments due to them on the first of the month. As of today I have not received the billing that would have been expected for the payment due to them on XX/XX/2022.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: BAS Receivable Management Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please send me email if you need more informations

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 2016-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
over the past 2 years Bank of America has harassed m by misstating my requirement for a HARP loan and or modification by requesting the same documents which were sent and than stating they had aged over 90 days and requesting the same information multiple times and finally offering a modification which caused more hardship than relief. Seems as if they are simply not interested in the proper use of HARP funds entrusted to them to offer help. Late charges were overstated even though payments were not late as per the terms of the contract as well as escrow accounts being over stated even though we were trying to resolve the issues and there is no one to stand with me. In regard to checking accounts, transactions are manipulated to allow them to charge more fee. Larger amounts paid first so that account shows overdrawn and smaller amounts processed out of order and fees charged. Guess they need the money. I believe they are in violation of state and federal statutes relating to XXXX treatment. I was out of work for 4 months in 2015 for XXXX problems and suffered XXXX issues as a result of the XXXX over the actions of Bank of America. They have reported me to credit bureaus as being 4 months behind in mortgage payments even though I had tried many times to discuss the issues and communicated by phone and letter with no resolution other than continuing harassment. What to do??? I have tried to refinance with other companies but could not do so primarily due to alleged late mortgage paymnts.

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