BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: COMMERCE BANK
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Commerce Bank in XXXX, Missouri, provided a commercial loan with a XXXX term and a {$90000.00} final pay off for a home as a mortgage to a XXXX senior. Then they continued to provide loans for the payoff, after making more than {$25000.00} in interest on the XXXX loan and switched it to an asset-only loan on property that had never had a mortgage while also giving over-draft fee " protection '' that pulled from a line of credit with a juicy interest rate. One specific banker, XXXX XXXX, continued this abuse and fraud, even when family members called him out on it. To the family members he said, oh, yes, you are right, that was a commercial loan and oops, I won't give more loans because " at his age, that's not appropriate '' ... ..well he continues to give him more loans, we discover, when he is XXXX and on a pension. It was for XXXX XXXX at Commerce bank to profit. We have all the written documents, phone calls and more as evidence. It's giving loans to a senior who is on a pension as if they have commercial real estate, when they don't and continuing to facilitate the unnecessary spending while allowing Commerce bank to profit from outrageous interest rates and ridiculous terms. You don't give a commercial real estate XXXX loan to someone for their home mortgage. 
Commerce Bank, XXXX, Missouri, facilitated the spending and collected very high interest rates by also giving a special checking account that could allow " over-drafts '' and then the over draft fees and the over draft were pulled from a line of credit - so that's credit pulling from more credit and then oh, right, they'll just write a new loan to cover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2022-11-09
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a collection account for XXXX XXXX that was opened in XXXX of this year for {$910.00}. I did not open this account. I have AT & T. This was fraud. I'm asking for the removal of this collection account. Thank 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 explanation
Consumer complaint received 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In accordance with the fair credit reporting act convergent has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late 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 2023-04-04
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am 100 % Service Connected XXXX XXXX XXXX, I had a bad XXXX  XXXX. I used my VA home loan to purchase a home. XXXX XXXX XXXX had been a great company to do business with, and I even paid my mortgage 2 months ahead. 

Unfortunately XXXX  was purchased by Shellpoint/NewRez and AFTER I told them I was a 100 % XXXX Vet, they added {$420.00} to my mortgage. 

I have called them numerous times without it getting fixed. I have two audio recordings with employee XXXX, and then another audio recording with employee XXXX is an accountant with Shellpoint and went through all the mortgage statements. She said she was unsure why or who added the {$420.00}, but that it was clearly a mistake. This conversation was back in XX/XX/2023 and I never got another call. I have received three letters all asking for more time " due to the complex nature ''. 

I refuse to pay XX/XX/2023 mortgage until this is fixed. Also, I am about to sell the condo. I will NOT PAY off my loan after I get the sale check unless this {$420.00} is taken off my loan debt. 

TAKING ADVANTAGE OF XXXX VETERANS IS DISGUSTING! 

XXXX XXXX XXXX XXXX

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 2019-09-22
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had one account with XXXX for mobile phone service, it was reported on my credit as a collection. Later on, there was a second account from XXXX reported on my credit for collection, it was for XXXX XXXX, a home utilities. The XXXX   was not my account, so I disputed it and it was deleted from my credit report. The XXXX account was only in my mother 's name. I later get a notice for collection from a different collection agency after the other is deleted. I call the new collection agency and they try to tell me it was fraud and tried to get me to open up a fraud report on my mother saying she must have signed my name as a cosigner. This was not true and I tried to explain that we had two accounts with XXXX for different things but in the same household and under different names, that it was a mistake by XXXX  in reporting it. They did not listen.

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 2023-12-14
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wage garishment without notice. I was not given a chance to verify this collection or dispute it in anyway as I was not notified correctly in this matter. I have live at my current address for almost 4 years and I am listed under my current address I have not tried to hide all bills are in my name. They are taking 25 % of my pay, for a debt that is from 2010. After the inflation of 3.56 % each year since 2010 I pay {$8.00} per {$20.00} dollars more then I did back in 2010. 25 % of my income is unacceptable during these days and times in the world. Since that debt I have XXXX child XXXX XXXXXXXX XXXX XXXX XXXX in college. They started the garishment with my XXXX check and without notice of this garnishment I was not able to plan for XXXX expenses in advance knowing they were going to take it. My children are affected by this garishment more then myself they are the ones that lose our. I live in a small apartment and drive an old XXXX XXXX van I have nothing and 25 % of my income is from hard work that goes straight to my children.

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 2023-07-10
Company: KEYCORP
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: Personal information incorrect

Complaint:
My Wife and I have a joint savings account through KeyBank ( XXXX, NY branch ) and decided to apply for a HELOC. From the first phone call we were given misleading information and also instructed things that were not correct or legal. My XXXX  credit as well as mine had multiple hard inquiries, multiple accounts or reports created, told we still owed thing that had been paid off for 3 - 5 years and cleaned up when we applied for our house in XXXX. KeyBank some how put something from my XXXX credit report ( before we were even together and was paid off ) on my credit report then demanded I prove to them it wasnt mine and/ or it was paid off. I had XXXX admit in person, in front of customers and co-workers, that she lied to us multiple times about multiple things. We have gotten absolutely nowhere with XXXX, XXXX, or XXXX at their Customer Relations phone number XXXX. This is an absolute mishandling of our hard earned credit bye an establishment deemed a credit / financial specialist. Now today we were contacted saying that messed up the dates on our HELOC paperwork and my Wife and I both have to leave work again to go re-sign due to yet another one or their negligent practices. Some sort of justice must be served in this matter. 
Thank you, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: GA
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:
There are things on my report i do not recognize.

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 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Well my XXXX card was mailed to a different address I was unaware that I had even got my card and was active so all the charges untill a card actually got sent to my real address were stolen and unauthorized I contacted XXXX and bank of America they did nothing for 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 monetary relief
Consumer complaint received 2022-11-08
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/XXXX or {$260000.00} of a {$340000.00} original home value or XXXX % XXXX of original home value ( referred to as XXXX hereafter ) ), I am currently getting assessed PMI despite several requests to remove and WF changing the target XXXX multiple times due to " XXXX XXXX policies that they can not assist with ''. 

Around XX/XX/XXXX, I was reassured that my PMI would be cancelled effective XX/XX/XXXX payment and the bill that had dropped confirmed that, coupled with issuing a check for XXXX PMI payment that was billed in contradiction of the letter I received ( advising I must meet a XXXX % XXXX to remove PMI ). On XX/XX/XXXX, my bill was re-invoiced and had PMI assessed for which I paid on XXXX. 

The paperwork, verbal discussions continue to contradict the respective communications and now it appears the system overrides and assesses PMI in spite of meeting al PMI requirements. 

Please note the home was purchased XXXX years ago and is well below the XXXX  % PMI that was agreed to in the original contracts, the subsequent targets of XXXX  % XXXX XXXX and all new home appraisals are required to be funded by homeowner with no new appraisal from PMI company ( XXXX XXXX ) or servicing company ( Wells Fargo ). 

This is the same issue that the other CFPB complaint under my profile is about. It has not 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 2022-11-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2016-05-26
Company: ECMC GROUP, INC.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I just got out of the XXXX XXXX XXXX 2 months ago had no idea about taxes i owed to XXXX. XXXX tax sold my debt to a debt collector ( Premiere Credit of North America LLC ) I have mad multiple attempts to pay this dept with this company I have called multiple times and left a message. This dept have resulted in interested being added and having a warrant out for me as well a tax lien. I have the funds to pay but can not make contact this is unprofessional for a debt company and each day that passes more interest is added. I am trying to pay and this has had major impact on 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 explanation
Consumer complaint received 2018-08-22
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, ACTION : XX/XX/2016 This letter is regarding an account, which you claim I owe {$730.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credence resource managent called me multiple times on the same day and multiple times almost everyday. On XXXX  they called me again on the same day after I had already declined earlier to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account states it was opened XX/XX/XXXX Last Reported XX/XX/XXXX Payment Status Collection/Charge Off Amount {$1500.00} Company Name : COMMONWEALTH FINANCE Attention Fraud Department XXXX XXXX XXXX XXXX company, CommonWealth Finance on my credit report is a direct violation of the no surprises act. I don't know who they are, and I never received any type of notice of this account by way of mail nor email. It just appeared onto my credit report which is clearly a direct violation of the No Surprises Act and needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: PNC Bank N.A.
State: GA
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 writing to dispute a fraudulent account that is listed on my credit report. The account number is [ account number ], and the name of the creditor is PNC Bank. 

I have never opened an account with PNC Bank, and I do not recognize the account number. I believe that this account was opened fraudulently using my personal information. 

I am enclosing a copy of my credit report that shows the fraudulent account. I am also enclosing a copy of my identity theft report. 

I am requesting that you remove this fraudulent account from my credit report immediately. I am also requesting that you notify the credit bureaus of the removal. 

I am aware of my rights under the Telephone Consumer Protection Act ( TCPA ), the Fair Debt Collection Act ( FDCPA ), and the Credit Reporting Act ( CRA ). I am requesting that you comply with these laws and remove this fraudulent account from my credit report. 

If I do not hear from you within 30 days, I will file a complaint with the Federal Trade Commission ( FTC ). 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I wrote TransUnion to inform that there are creditors that theyre allowing to report against my credit report that I have no legal binding contract with. And they informed me that I would have to get an attorney to have the items removed.

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 2023-12-13
Company: Early Warning Services, LLC
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Subject : Opt-Out Request Pursuant to 15 USC 6802-6805, Fair Credit Reporting Act, and Privacy Act of 1974 I trust this letter finds you well. I am writing to formally request to opt-out of certain uses of my personal information, in accordance with the Gramm-Leach-Bliley Act ( 15 USC 6802-6805 ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974.

Under the Gramm-Leach-Bliley Act, financial institutions are obligated to safeguard nonpublic personal information. I am exercising my rights under this Act to ensure that my information is handled with the utmost privacy and security.

In addition to the GLBA and FCRA, the Privacy Act of 1974 further governs the collection, maintenance, use, and dissemination of personal information by federal agencies. I want to ensure that my rights under this Act are also respected in the context of any information you hold pertaining to me.

Therefore, I formally request to opt-out of any sharing or use of my personal information for purposes beyond those explicitly permitted by law, including any third-party marketing or promotional activities. I also request transparency in how my information is collected, maintained, and shared in accordance with the Privacy Act of 1974.

If there are specific procedures or forms that need to be completed to facilitate this opt-out request, kindly provide them at your earliest convenience. Additionally, I request written confirmation that my opt-out request has been processed in accordance with the law.

Thank you for your prompt attention to this matter. I anticipate your cooperation in ensuring the responsible and legal handling of my personal information in compliance with the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Beginning in XX/XX/2019 I began disputing the accuracy of accounts on my credit report on all three credit bureaus. In XXXX I sent all three credit bureaus including XXXX XXXX Methods of verification letters then again on XX/XX/2019. I received no answer on how the items they investigated, how they investigated or what info they obtained and from where. As a matter of fact when I wrote all three bureaus last demanding they delete the items they did not verify accurately they blatantly ignored they missed the 15 days they had to provide me the info and initiated ANOTHER reinvestigation and did not remove the items and continue to claim they are verified when they are not. I am done writing letters. This is the last attempt I am seeking for them to remove all items in question. They had the opportunity to show what their proof was as the burden of proof lies upon them not me. Any and all proof I have will be saved for court if they want to see 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 non-monetary relief