BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was texted on XX/XX/2021 from a phone number stating that he was the CEO of the company that I work for and required me to an urgent task. He asked me to get XXXXXXXX XXXX XXXX in XXXX, XXXX, or XXXX for the amount of XXXX {$500.00}. Only 1 gift card of {$500.00} could be purchased initially in the first XXXX XXXX store. I had to get 5x {$100.00} in the same store. Then, he asked to send him the code directly. After 2 purchase of gift card totaling {$1000.00}, he asked me to go back to the store to get 2x {$500.00}. I was only able to get 1x {$500.00} gift card in the same store. 
So, he asked me to go to another XXXX store to the remaining {$500.00} gift card. I went to the 2nd XXXX store and was able to get {$500.00} gift card. Now, it was totaling to {$2000.00} of gift cards. After the completion of the purchase, he asked me to get more of 2x {$500.00} in that second XXXX store. I went back, but the sale agent informed me that I can only purchase 1 timer per store. I went to the 3rd XXXX store to get the 2x {$500.00} gift card, but the sale agent printed the receipt that it only allowed {$2000.00} gift card purchase per day. So, then I went to XXXX store to get 2x {$500.00}. When I was there, I was asked to get 4x {$500.00} instead of 2x {$500.00}. So, I purchased the 20x {$100.00}. Each time after the purchase, he always asked to send him the gift card code directly. I did that each time. I had some doubt in XXXX that it was the CEO of the company and called him. However, he told me that he is in a conference call right now and will call me back in XXXX min. I also told him my concern over the text that this is really him. He told not to worry that this is him, XXXX XXXX. After I sent him all the code of 20 gift cards, he told me again that 3 cards didn't work. So, I finally texted my coworker XXXX and asked him whether the phone number of the person texting me is XXXX 's number. He told me that it is not what he saved in his phone book. So, I finally realized that I was scammed and stolen from the person texted me.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX ...., XXXX 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 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 2022-07-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX ...., XXXX 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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXXXXXX, 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 2016-05-11
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
on XXXX XXXX at XXXX oclock i called ocwen because i received a letter saying to pay XXXX.I was told by Relationship manager XXXX XXXX that XXXX XXXX i was accessed a fee of XXXX dollars for a bankruptcy expense in XX/XX/XXXX and that i owed a total of XXXX cents and if i dont pay i will lose my house.she was rude and very loud and did not want to give me a reason why and said she would give send me a breakdown by mail and said i need to pay i think XXXX now.Never received a breakdown.I got off the phone and called again and got a different relationship manager named XXXX XXXX and she told me that i owed XXXX to a property valuation expense and for me to pay XXXX looked on my mortgage transcripts and ocwen XXXX did XXXX in 7 years and it was for XXXX dollars.I was told that this had nothing to do with my payment and to pay XXXX $ and it will be added to your mortgage.Icalled the Ocwen ombudsman XXXX XXXX and was told that this property valuation expense can be done twice a year and i was in default.He told me my payment was in default and it was not 30 days.they did it in 27 days.All this is happening and i dont have nothing in writing.Ireceive a call from supposedly appointed Relationship manager and asked me did i have any questions.i told him the same thing i am telling you and yes i owe XXXX dollars then said did i have anything else and said goodbye.Received a monthly statement for may bill today XXXX XXXX saying i owe XXXX $ saying it is due XXXX/XXXX/XXXX and it came by regular mail but on the activity statement it says certified at {$2.00} and a property inspection fee of $ XXXX.ICall again and get amirsh XXXX Relationship manager and he tells me do i want to pay XXXX now and doesnt give me any options to pay except that it is not apart of your regular payment and i should still XXXX a month but on the statement it says XXXX and that wont change.i still owe XXXX dollars late fees.I am on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX 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 Bankruptcy XXXX XXXX  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 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 2019-08-21
Company: Student Loan Financial Assistance
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was scammed by a fraudulent party called " Student Loan Financial Assistance '', claiming to be a student loan finance company. They offered to refinance my student loans with a lower interest rate. I gave them my bank account information and authorization to " transfer '' my loans from XXXX to them. However, they put my payments on forbearance until XX/XX/2020 with XXXX and were attempting to do monthly direct deposit payments from my bank account. Once I realized that this was a scam, I immediately contacted my bank to close the account. I also contacted all 3 credit bureaus ( XXXX, XXXX, XXXX ) to freeze my credit score. Lastly, I contacted XXXX to remove the forbearance and added an additional password that is required when attempting to call XXXX about my account. Please bring these evil people to justice!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Northern Trust Company, The
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed a complaint previously that was closed, this information is new and another complaint needs to be opened to handle this, it collaborates my issues with Northern Trust. The original complaint # XXXX, had 2 issues, one was the loan refi, which is what I am creating this new complaint. The other was posting issues and inconsistencies that have gone unanswered for years, for which the Company answered ... without any explanation that " We believe we have addressed his concerns ''.

As to the refi, the nature of this extended complaint surrounds Northern Trust sent me a package for me to fill out to see if I would qualify and refinance the second mortgage. I took the package to my accountant, which has been preparing my tax returns for XXXX, XXXX, XXXX, and XXXX for a year or so. I have not previously given my taxes to the accountant because of the initial analysis of how much taxes I would have to pay because of 1099 's. When meeting with the accountant he told me that one of those 1099 was from Northern Trust, for the first time I was explained it was that the bank wrote off the loan in question in XXXX, that they also sent a notification to IRS a 1099-C Cancellation of Debt for the loan in question XXXX for XXXX and they had sent me Tax statement form 1099 for XXXX. This is a perfect example of the bank does things that can be considered Illegal or at least extreme incompetence. How can they be collecting from me for 4 years, after the loan was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to the CFPB due to not hearing anything back from the bureaus in regards to a account on my credit report! I have asked them to verify for months and send me where this is coming from. I even wrote the creditor. I need help identifying this account to see what it is. This account is affecting my credit report and I want to get this taken care of if this is indeed my account! No response makes me wonder where its coming from and what has been sent to verify it.

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account ending in # XXXX, Account number ending in XXXX 15 U.SC 1681 section 602 A States I have the right to privacy 15 U. S.C section A Section 2 : It also state a consumer reporting can not furnish a account without 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 2018-01-18
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has been calling family members and harassing them about a " PayPal '' credit debit they say I owe. I do n't have a PayPal account, I 've never had a PayPal account and I 've never had PayPal credit. I am a victim of identity theft. In the past two years several accounts were opened in my name after my identity documents were stolen from my apartment. I have attached a copy of the police report to this complaint as well as copies from other creditors that did their own independent investigations and found I was a victim of identity theft and the FTC Affidavit of identity theft. I will attach PayPal to this complaint to inform them of the complaint. 

XXXX XXXX XXXX is not to contact me by phone again or make any attempts to reach me by phone again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX and I am disputing a hard inquiry on my credit report. On the night of XXXX/XXXX/2022, my older brother, XXXX XXXX XXXX, applied for a credit card with XXXX XXXX online. Within seconds of his submission, I received a hard inquiry for the application instead of his which makes an effect on my credit score and report. There could be a mix up between our credit information with Equifax as both of our SSNs are almost identical except for the last number ( my guess for this situation to have occurred ). 

I placed a dispute with Equifax online that same night and received an update that their investigation was complete the next night on XXXX/XXXX/2022. The report they provided me was that the hard inquiry was accurate and that XXXX XXXX should clear up the information on their end or fix it with Equifax. However, I called XXXX XXXX today, XXXX/XXXX/2022, and was told that the information under my brothers account and application were correct and that my account and information were correct as well. We were able to verify our names and socials within XXXX XXXX  system and found no error there. I was told by XXXX XXXX to reach out to Equifax again for the hard inquiry and to let them know that XXXX XXXX has the correct information and was verified by my brother and I. 

This hard inquiry does not belong to me and should be removed from my credit report. I still do not know how and why I received the hard inquiry when the application was all under my brothers information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: OPORTUN FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX - Reviewed credit report and noticed a charged off loan amount of {$7300.00} for a derogatory account at Oportun Bank. I had no knowledge of the account and did not authorize this account to open. The account was opened in XX/XX/XXXX. 

I have contacted the bank and am in the process of disputing this account. 

I filed a police police report for ID theft on XX/XX/XXXX. 

I contacted XXXX, XXXX, and XXXX on XX/XX/XXXX to dispute the loan on my credit report and have also placed fraud alerts on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On   XX/XX/XXXX ,   Hurricane   XXXX  destroyed my home. I was evacuated and currently reside in FEMA transitional housing. I contacted Bank of America,  XXXX   XXXX   XXXX  in   XX/XX/XXXX  to  notify them I  FEMA  evacuated me, rendered my home dangerous and uninhabitable. I also gave them a copy of the City of  XXXX  storm water report,  XXXX   XXXX   XXXX   XXXX  report and NC  XXXX   XXXX   XXXX   XXXX  report. In short, when the  XXXX   XXXX   XXXX  levy broke, the water eroded the ground under my home and its now falling off a cliff.   Bank of America has continued to FORECLOSE my property knowing that the home is on the FEMA but out list in  XXXX  NC. There predatory lending practices and negligent updating of my records has ruined my credit and no one will rent me and kids a home. Ive been Homeless sinc e  XX/XX/XXXX . Ive asked for a Discharge of this Debt and they refused and s erved me toda y  XX/XX/XXXX  with Foreclosure paperwork. Bank of America is forcing to pay for a   condemned home when they can Discharge the Debt due to  Hurricane   XXXX .      XXXX   XXXX   XXXX   XXXX  also failed me miserably. I signed forms for them to assist and advocate for me and they DID NOT facilitate my request. My worker  XXXX   XXXX  refused to follow  NC Disaster Legal Service  rules for Natural Disaster even when I told him to do so and provided him the steps. He requested I sign a short sale form for my home with " NO '' resale value. That neglect action furthered my Foreclosure status. They are contracted by NC and receive funds to help  Hurricane    XXXX  Victims and that 's not being done by  XXXX   XXXX . He should be reprimanded for making such fatal mistakes.     My credit and my life has been ruined due to these agencies. I cant rent or buy another home. At no time should a condemned home on the FEMA ACQUISTION LIST be foreclosed on. We lost enough and now Ive lost the ability to rebuild my life. I 'm a  XXXX  Veteran with  XXXX  kids and I just want my own place to live again and stability for my kids. The agencies were suppose to help and instead they 've destroyed my sanity, credit and lively hood. Ive been diagnosed with  XXXX  and  XXXX  since  Hurricane    XXXX .      XXXX   XXXX  has also ruined my credit and failed to protect Hurricane  XXXX  victims. I turned in my Van due to  Hurricane    XXXX  damage and they listed on my credit as a volunteer repossession. I called them to come get if because of storm damage. I want that debt discharged too. I should n't have to pay for that.     PLEAE HELP ME!!! PLEASE CALL ME WHEN YOU RECEIVE THIS , IM TIERD OF FIG HTING THEM TO DO RIGHT BY ME.      XXXX   XXXX   XXXX   XXXX  loan #  XXXX  email :  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 2016-12-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was offered a high interest only loan to lower my payments from Wells Fargo and it did n't lower my payments and when I contacted them for help they said that they could n't help me until I was late on my payments.

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 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2022-07-06
Company: EQUIFAX, INC.
State: OK
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:
My personal information was breached in spring XXXX. A Fraudulent credit account for {$400.00} was opened by XXXX bank. I discovered this in XX/XX/XXXX when pulling a credit report. I contacted XXXX Bank immediately but they withheld information and were uncooperative. They completed their own internal investigation and found nothing wrong. This fraudulent account continues to negatively impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
My personal information was breached in spring XXXX. A Fraudulent credit account for {$400.00} was opened by XXXX bank. I discovered this in XX/XX/XXXX when pulling a credit report. I contacted XXXX Bank immediately but they withheld information and were uncooperative. They completed their own internal investigation and found nothing wrong. This fraudulent account continues to negatively impact my credit.

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