BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-05-05
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/2023 I unexpectedly received notice from my banking institution, JP Morgan Chase, that a sudden decision had been made to close all my concurrent credit cards and my personal checking account, without any specific reason. All my credit cards were in good standing. 
I contacted them a few days later via a phone call and they refused to conduct a secondary review of the account closures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Unfairly charged overdraft fees for normal amount of year,

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 2021-03-08
Company: CMRE Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent 5 letters to cmre financial for the alleged debts of {>= $1,000,000} certified mail/RRR, this is one of the letters below and the others will be attached as well : CMRE FINANCIAL SERVICES , INC ATTN : XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX OF Alleged Original Creditor Account Number : N/A Debt XXXX Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$1100.00} Dear CMRE FINANCIAL SERVICES , INC AND XXXX XXXX, XXXX. XXXX, AND XXXX XXXX : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: TekCollect Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
Please note my " Validation and Verification '' letter to Tek Collect Inc was received by the company on XX/XX/2019. To this date XX/XX/XXXX I still have not heard any response of an investigation and yet it is still being reported on my credit. This is showing as a " Medical Debt '' and also infringes on my Health Insurance Portability and Accountability Act ( HIPAA ) privacy. 

It has been more than 30 days and I request that this debt be deleted as no verification and validation has been done to confirm if this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: PLAZA HOME MORTGAGE, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Plaza Home Mortgage ( PHH ) still has not successfully paid property taxes on property from escrow account from a year ago!. Previous payment was not for correct amount and returned to Plaza as of XX/XX/2021 ( for the second time ). 

This is a follow up to complaint XXXX ( which was not completed satisfactorily nor successfully

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I sent dispute to all three credit bureaus and XXXX   and XXXX  removed the United Collections Bureau from my reports on XX/XX/XXXX. XXXX  stated that they verified information was accurate. United Collection Bureau-XXXX and United Collection Bureau-XXXX. On XX/XX/XXXX I sent this letter via online, " I do not believe you did an investigation. This means you are now required to prove that there was in fact an independent investigation and Im certain that I shouldnt have to reference anything because youre required to know the law, but section 609 protects me against false reporting and I should point out here that Thats exactly what this is! " .On XX/XX/XXXX XXXX came back with account verified. I did not receive any documentation of the investigation done by XXXX. On XX/XX/XXXX I sent another letter via online, I recently received an answer to this dispute Report # XXXX, which says that the account UNITED COLLECTION BUREAU- XXXX was verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. 
I am requesting the Method of Verification for the following disputed account. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ).

This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account. 
Please provide the following items, identify items by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 
1. The name of the original creditor 2. The creditors address and telephone number 3. The name of the person at XXXX who verified the dispute with the original creditor 4. The name of the person at the original creditor you verified the dispute with 5. The documentation used to verify the dispute On XX/XX/XXXX received response from XXXX for both accounts as it remains and once again did not receive any documentation from XXXX. 

on XX/XX/XXXX I called XXXX XXXX XXXX and spoke to XXXX for both accounts and requested the records for the files on XXXX and XXXX. She told me that they only have a detailed bill I also asked for the HIPPA form I signed to release this information to anyone. They dont have it and they have no record of any Bureau memos disputing this account. I then called UCB representatives XXXX and XXXX from the Extreme Department and I requested to open another dispute and to please investigate the information. They both told me they do not investigate accounts, that they are data furnishers only, I asked for a supervisor and both refused a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Experian Information Solutions Inc.
State: MI
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:
The XXXX XXXX XXXX Credit card Acct # XXXX, which was opened XX/XX/XXXX without my permission claims the card was closed At Credit Grantor 's request : This is not accurate, when I found out about this card, I paid the small balance off and request the account be closed. Therefore the statement should say Account closed at consumers request Further, the account was never late in XXXX, XXXX, XXXX, XX/XX/2020. Please correct these details. 

Also There is aXX/XX/XXXXXXXX XXXX account, the Original Creditor is XXXX XXXX XXXX. XXXX XXXX XXXX billed me for services that were not performed. I am requesting the accounting of this debt from XXXX XXXX XXXX. I went into this location and was informed they could not treat me, so how am I being billed {$290.00}, when no services were performed or provided? 
Please remove this debt.

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 2023-06-15
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I'm in belief that this is a fraudulent loan, I believe a lender normally evaluates the individual past credit history as well as the current income. 
I've spoken to the Santander representative several times indicating that my monthly calculated financial monthly payments well exceed my necessary expenses. I also asked how my income was reviewed and calculated which Santander responded by saying that on my credit application that I listed XXXX was my gross income, which Santander took advantage of their loan terms which had been initiated at the " End '' of the year XXXX, which can be verified by the loan document itself. There are also other expenses like rent that was not looked at by Santander which was later explained that i do receive housing assistance but majority of rent I pay myself. 
These issues play a major role in determining my eligibility towards financing, but Santander agreed to distribute this Loan based on misrepresented income and credit verification and were notified as well as the dealership or seller of this Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Nexera Holding LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
I applied for a mortgage at NewFi via XXXX XXXX XXXXXXXX. We had a 45 day escrow, the lender failed to produce disclosures. We got a 2 week extension. The vendor produced disclosures just 2 days before close. I was forced to start a new loan with a new lender to earn back the seller 's confidence and save the purchase. They were going to otherwise walk away with my deposit. 

NewFi and XXXX, however, now refuse to release my appraisal for over a week after I asked them to close my file intentionally jeopardizing my purchase for the 3rd time in the hopes I would keep my transaction with them which I have repeatedly said is not possible. 

My deposit and all the time and money spent on the deal are at stake. I paid for the appraisal out of pocket and am entitled to its transfer. This is beyond unprofessional or unethical. Buyers beware!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: First Federal Credit Control, 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:
On my XXXX  report I have an item being listed as : Collection Agency : FIRST FEDERAL CREDIT CONTROL  Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/2017 Original Amount Owed : {$300.00} This item is NOT mine. I have provided my social and DOB to the collection agency and they determined it was an error and that the item belongs to someone else with the same name. 

First Federal Credit Control ( FFCC ) provided a letter saying they have removed that item and I have included this letter in a dispute to XXXX  on three separate occasions. On each dispute XXXX  wrongfully determines the item does belong to me. 

XXXX  claims they are waiting on FFCC to remove the item ; FFCC claims they have removed it and it us up to XXXX to delete it from my credit report. I have contacted each agency on several occasions and none of them seem to be able to take any further action to remove the item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have notified the credit bureaus XXXX, Experian, XXXX, XXXX, XXXX, XXXX, and a few other companies about fraudulent errors being reported to my personal credit files. 

To start I have notified them about fraudulent addresses being reported in my personal credit file. I have submitted police reports for alimony 3 years now asking to remove these addresses and these companies especially Experian. Experian has been reporting fraudulent addresses, names, accounts, and inquiries monthly on my personal credit files. I have sent in notarize letters several times. Its even been upload several times on this portal. I have verified my identity with these companies several times by sending in updated documents of my passport, drivers licenses, social security card, bank statements, utilities bills, a letter from my lawyer that was notarized. My request have gone unanswered and ignored like I dont exist.

This is my very last attempt to request that this inaccurate information be removed from my credit files. Under the consumer law it is my right to sue any company that is reporting unlawful and inaccurate information to my personal credit files without my authorization and I DID NOT authorize Experian to report theses address, accounts, and inquiries on my credit profile. The addresses are attached to fraudulent accounts that Experian is reporting to my credit files. 

Experian have violated several of my rights as a consumer by selling my personal information to third parties collection agencies. I have did a full investigation of these accounts and they are in fact fraudulent and need to removed from my credit files immediately. 

The following addresses are fraudulent, I have attached a copy of my personal credit report as proof of the incorrect information that is being reported to my credit files. 

XXXX is also reporting a consumer statement that is incorrect. I have no ideal what number is that on the consumer statement. XXXX needs to update my consumer statement correct the information currently appearing on the consumer statement is incorrect.

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 2023-10-11
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Loan # XXXX I submitted forbearance package 4 time. The 4th time I had to get a supervisor on the recoded line who confirmed they had all my information and if anything was needed i would get a call. This was around the XXXX of XXXX when I made my payment. On XX/XX/XXXX I recieved a letter dated XX/XX/XXXX that I submitted an incomplete package, and my loan was closed. When I called back, they told me my loan was sold and there was nothing they could do about it. I had to request goodbye letter and I have not received the welcome letter from the other servicer My entire issue started with Covid and all we were asking is for the balance 3 months to be moved to the back of the loan or payment arrangements.

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 2023-05-05
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX : {$300.00} put on hold on my checking account. This CC was from after XX/XX/11. The original total was {$350.00}, now they want {$12000.00}. It's been 20+ years. 
XXXX ( XXXX ) XXXX or XXXX ( XXXX ) XXXX. Please help. They have a hold on the funds but can't actually remove them as they are not a legal entity that practices proper legal procedures but buys debt for pennies on the dollar and then threatens people into paying. After XX/XX/11 I maxed most/all of my cards and eventually paid them all save one, the Midland XXXX . Their tactics were incessant and rude, they added penalties and interest that turned {$300.00} into {$12000.00}. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: TCF NATIONAL BANK
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for Chapter XXXX bankruptcy on XX/XX/XXXX in the United States District Court of Minnesota. XXXX XXXX : XXXX. I am still receiving debt collection phone calls from TCF Bank in regards to 2 checking accounts that I had with TCF Bank that was included in my bankruptcy petition. The 2 checking accounts was under the following social security numbers : XXXX and XXXX. The 2 checking accounts was discharged in bankruptcy court. My date of birth is : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: OH
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 did not consent to, authorize nor benefit from the following accounts or inquiries. Block and remove them. 
( XXXX. ) XXXX XXXX # XXXX ( XXXX. ) XXXX XXXX # XXXX ( XXXX. ) XXXX # XXXX ( XXXX. ) XXXX  # XXXX ( XXXX. ) XXXX XXXX # XXXX ( XXXX. ) ODE XX/XX/2022 ( XXXX. ) XXXX XXXX XX/XX/2022 ( XXXX XXXX XXXXU XX/XX/2022 ( XXXX. ) XXXX XXXX XX/XX/2022 ( XXXX XXXX XXXX XXXX. 

Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
EQUIFAX IS PRACTICING UNFAIR CREDIT REPORTING METHODS BY REPORTING INNACCURATE INFORMATION IN MY CREDIT FILE. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
EQUIFAX IS AN ELABORATE MECHANISM AND IS VIOLATING MY RIHGT TO PRIVACY AS THE CONSUMER. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
EQUIFAX HAS ASSUMED THE ROLE OF ASSEMBLING AND EVALUATING MY CONSUMER INFORMATION WITHOUT MY CONSENT ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
EQUIFAX WAS UNFAIR, IMPARTIAL AND HAS NOT SHOWN RESPECT TO MY RIGHT TO PRIVACY. I called in to demand that fraudulent accounts be removed from my credit file. EQUIFAX has not complied. I also provided them with FTC # XXXX

Company response to consumer: Closed with explanation