BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-06-01
Company: EQUIFAX, INC.
State: PA
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:
On https : //www.annualcreditreport.com/ it says you can now get a free weekly credit report. I received my free weekly credit report from XXXX and XXXX. But for some reason Equifax will not give me a copy. I tired contacting them multiple ways but still no credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan servicing was sold to Loan Depot. I have an impound account for my taxes and insurance. There is a balance in that account of {$4300.00}. I received a supplemental tax bill and followed the instructions on the back of my mortgage statement from Loan Depot and faxed it to the Tax Bill fax number. They did not pay the bill. I received a late notice and faxed the bill a XXXX time. They still did n't pay it. I called today and was told they do n't pay supplemental tax bills and that I would need to fax the bill to yet another person and that they would mail me the money so I can pay the bill. This is costing me {$46.00} in late fees when this servicer is holding onto over {$4300.00} of MY MONEY that is set aside to pay tax and insurance bills. When I asked the phone rep what happened to the bills that I faxed in, I was told that they shred them. This is a complete rip off to the consumer and had I been notified of this policy when I faxed the bill. I could have received the funds and paid the bill on time. This should be illegal to rip off a consumer in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The original debt is from XXXX. As part of a sales promotion, XXXX offered a {$250.00} gift card for purchases of their products. After establishing service, I never received the gift card. I made several phone calls to XXXX and always got the same response, " We see here that the issue is being investigated ''. The gift card was never received. After cancelling my service I was billed {$300.00} from XXXX. I did not pay the bill because I had not received the {$250.00} gift card. A few months later, I received a collection notice from Diversified Consultants , Inc . I immediately contacted Diversified Consultants and told them that the debt was not completely valid and would be disputed with XXXX. At the same time, I filed an official dispute, in writing, with XXXX. A few weeks later, I received a Voice Mail Message from someone at XXXX instructing me to call them back to discuss the matter referencing case # XXXX. I called them 2 times and left a message on their automated system and never got a call back or received any correspondence of any type regarding my claim. A few months later, I received another collection notice from Diversified Consultants , Inc. for the same claim. This, after I had already disputed the validity of this claim and never received any kind of response from either XXXX or Diversified Consultants. Shortly after, Diversified Consultants filed negative credit information on my credit file, again, after not responding to my dispute. On XXXX, I sent a certified letter to Diversified Consultants with all information outlining all details and offering a resolution to my dispute. My certified letter continues to be un-answered. Diversified Consultants has abused their power by erroneously filing negative credit information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attempted to resolve this matter and inform the ARS Account Resolution Services this debt is not owed by me and requested strict proof according to the FCPA, Section 609 ( a ) ( 1 ) ( A ). I never received a copy of the contract, agreement or any things with my signature proving this debt belonging to me. I have NOT received services as implied. I strongly believe this debt belongs to someone else and I have expressed this to ARS Account Resolution Services multiple times., this debt is a fraudulent. They continue to ignore my request for proof of debt they have ONLY sent me a copy of their invoice but have failed to provide strict proof of the debt as demanded numerous times.

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 2022-10-17
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2016-10-03
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Dear Discover Bank, I am submitting a claim on my credit card because I have been scammed. I was lead to believe they were going to try to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get on his feet with a business, to look into getting XXXX to help on our electric bill, and help pay on my credit cards because I been helping my son and daughter out. This company has pulled funds with the following information and date : XXXX/XXXX/2016 XXXX XXXX Sales {$5000.00} XXXX/XXXX/2016 XXXX XXXX {$3000.00} Please reverse these charges as I do not except these charges. Please Help Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On the XXXX XXXX XXXX sent me ( XXXX XXXX ) my money back, {$2500.00} and {$1000.00} via XXXX. 

At first he tried to send {$4000.00} but the bank has a cap allowing to send up to {$3500.00} a week using XXXX. 
Few days after he recalled the money claiming it was fraud and providing fraudulent documentation from XXXX. 

I provided the bank with straight forward evidence showing the XXXX conversation between myself and XXXX XXXX. In the texts XXXX is having multiple attempts and is insists on sending me the money ( {$3500.00} ) with success. 

These evidence are as clear as it gets. 
Moreover, when speaking with the Bofa representative she confirmed that they know XXXX XXXX did send the money, she explained that bofa has IT solutions that helps them track the transactions and the person initiating them. 
And these systems detracted it was preformed by XXXX. 

XXXX XXXX and his brother XXXX XXXX are known are under an open investigation by the FBI and SEC. They have stolen money from families, friends and loved ones. 
XXXX XXXX is the FBI agent that is working on their case and is happy to confirm my narrative. XXXX ( XXXX ) XXXX I urge the bank to do the right thing and help their long time client, myself to get her stolen money back. 

Please help Thanks, 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 2021-03-12
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: Account information incorrect

Complaint:
Ive have express concerns In the past with Experian about their reporting, I reviewed my payment history with Experian for my XXXX account. Not only is my account open and active but there reporting me delinquent in 2019 when I was never late on my account. This has drastically affects on my payment history. Ive attached a report that clearly shows that I wasnt late during that time. Not to mention there showing a date of last payment in XX/XX/2019. But payment grid in the picture shows XXXX which once again I wasnt late!!! And this account is open and active they have a duty as an agency to ensure account. Reports accurately

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 2022-06-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Made a purchase on XXXX XX/XX/22 through a third party for {$790.00}. Item arrived defective. Merchant was extremely reluctant to resolve. They offered a {$50.00} refund for me to replace the throttle. 

Mechanic confirmed the electrical wiring was backwards on product. 

Merchant refused to send mailing label until I disputed the transaction with the bank, now they refuse to send a proper box Bank reversed the dispute without my knowledge over a month later. Called USAA twice and the dispute was reopened and closed on XX/XX/22 ; allowing no time to provide the requested documents. 
CSR XXXX apprised me she reopens it and to upload the requested XXXX, after being disconnected by 3 CSRs prior.

Requested a supervisor and was consistently denied, in all departments; limiting customers to representatives only with little to no XXXX and providing inaccurate intel. 

They lack compassion and any care for their veterans and our disputes. 

This dispute is being purposely prolonged. 

USAA correspondence regarding disputes is not simply designed for customers. 

Please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was denied credit, based on an Experian credit report. I quickly fill out a request for my credit report at experian.com/reportaccess, as stated in letter, and it gives me a timed out error message every time. I feel this is an attempt to block people from getting their credit reports. Error page is attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Case XXXX XXXX Federal Trade Commission Case # XXXX Attached Attorney General Cases from XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX. I sent my letter off on XX/XX/XXXX. I asked the credit bureaus to investigate every piece of information, on the accounts. The bureaus responded that the account was verified which is not true because the account is not mine. I never opened the account and I need this account removed. Here are the tracking number XXXX and XXXX. I sent out multiple letters trying to resolve this issue. Now I will seek legal assistance if this false report is not removed. 

According to 15 U.S.C. Sec. 1681i ( a ) my rights are being violated and if the account is not deleted I will seek Monetary damages up to {$1000.00} per violation. 


XXXX Notice : XXXX XXXX, We have added an Extended Fraud Victim Alert to your credit report as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will remain on your credit file for seven years, alerts credit grantors that you are a victim of fraud and to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for five years. You can request two free copies of your credit report within 12 months of your request for this alert by visiting our secure Web site, XXXX  or by calling 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 2022-10-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The 2 accounts that my wife and I have with Chase were restricted on XX/XX/22. We received no notice about this action. We attempted to call the evening of XXXX but had no luck through the automated system. The morning of XXXX I made contact with customer service and was told everything to submit a SSA 89 form along with social security cards for both my wife and I to have the restrictions lifted. We completed this by noon on XXXX. My wife and I also were both supposed to be paid on XXXX. We once again called and were told that everything was being processed and that Chase Bank was holding our paychecks until restrictions were lifted. My wife and I both had trips we had to make out of town and we have been denied access to our accounts as well as having our paychecks held for ransom for 5 days ( thus far ) and have no idea when they will finally decide to unfreeze our accounts. We have been unable to pay our bills and have no access to our account for gas, groceries, etc. It is unacceptable to restrict someones access to their account with the money that they earn and need for normal daily uses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: R & B Corporation of Virginia
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed Credit Control Corp ( Collections ) on two occasions and receive a reply back that the accounts are mine. I have never had an account with this company or agency and these are not my accounts. I ask for a signature or contract and it was never provided, this is unlawful and very unethical. once your respond to a dispute is sent electronically it falls off in 30 days in reference to original dispute case number. 
XXXX, XXXX NC XXXX, XXXX, XXXXXXXXXXXX SS # XXXX, DOB XX/XX/XXXX I have gotten married XX/XX/XXXX married name is XXXX ; however mail is still sent in my maiden name. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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:
On XX/XX/2022 Experian posted a debt of {$550.00} from XXXX XXXX XXXX XXXX XXXX. I contacted Experian requesting the " ... .procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) ... '' I have not heard back from Experian as of XX/XX/2022 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 2022-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello I am having issues with Bank of America, my checking account was in the process of closing however my IRS check was excepted on XX/XX/XXXX and I have yet to receive my money due to investigation, Ive been given days after days, that my account was closing and they will issue me out a cashiers check, when I call call they tell me my account is still not closed they then provide me with yet another date this has been going on for about 2 months now Ive explained to Bank of America that my bills r backed up I keep telling my landlord The same dates and days they give me and to no avail Im still on hold I need help I dont know what to do or what to tell my landlord now

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 2016-07-11
Company: DISCOVER BANK
State: UT
Product: Credit card
Issue: Rewards

Complaint:
I applied on my discover XXXX miles card XXXX of 2015. My promotion was double your cash reward for the first year. 

I should have received my cashback double for the whole year on XXXX billing cycle. I suspect when my original account was marked as fraud, XXXX transactions was not authoized by me therefore they have to replace my card with another account number. The original account number is XXXX. They have verified on the phone that i was indeed enrolled with the promotion. With this the promotion might have fallen off on my card. 

I started following up on it on XXXX XXXX, and has voiced my concern about it. they said i should call back and wait for another month for XXXX XXXX billing and it should reflect it. XXXX XXXX came the tell me now to wait on XXXX XXXX billing and it will surely reflect on my double cashback for the year. 

I have spoke with XXXX XXXX on this issue. 
Come XXXX XXXX i called again and i spoke to XXXX and she then transfered me to XXXX a supervisor. She said to wait 72 hours and she will call me back. It has been almost 3 weeks and almost every week i follow up on the status and no answer for it up to now. On XXXX XXXX someone told me that i would receive a call in the afternoon but no call was received. Today XXXX XXXX still no word on the outcome of my cash back award. 

Please help me resolve this matter. I feel i have been wronged already since it has been 4 months that i should have received the cashback promotion on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: SC
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:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXXXXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had XXXX XX/XX/XXXX. I called them before and after XXXX to ask what we could do. I am self employed and would have no income for about 6 weeks. They kept telling me they could n't help me until I was 2 months behind in payments. But I called in XX/XX/XXXX and XX/XX/XXXX to see if we could do anything. So we got 2 months behind so they could help us. So we started a loan modification process. In XX/XX/XXXX I tried to make a payment and they would not take less than 3 months worth of payments!! I ca n't understand that! But they said I assure you there is no need to worry we will add it to the modification and it will be fine. I asked them about it every time we talked. Same answer and they would n't let us pay anything! I also got concerned because they kept stalling on getting modification complete. They needed this then that and some things they ask for over and over until time ran out! No worry ma'am we will start a new process just turn everything in again!! And again no worries about payments. Well I should 've trusted my gut because they called XX/XX/XXXX and said we are sorry your modification has been denied because you have too much equity in your home. This loan is too small for a modification!!! We had just received a foreclosure letter from a company saying Ocwen had turned us over to them. I asked about it and he said again I assure you it will not go into forclosure! ( That was before we were denied ) and now after working hard to pay off our house for 25 years they have put us in foreclosure!! I just ca n't believe it. And I ca n't believe they wo n't do anything to help us get current. 7 months of them not taking any money!! We do n't have that kind of money! I forgot to say this is our XXXX mortgage. First mortgage is current and with XXXX. We wanted to try to consolidate the XXXX loans but no bank can give us a loan because of damage of not making payments for 7 months!! There has to be something to help us save our house. This is so unfair!

Company response to consumer: Closed with explanation