BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: FirstPoint Collection Resources
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pleased revise my personal documents that I have like a certified FRAUD EXAMINER AFFIDAVIT .Qualified written request findings securitization audit report voluntary liens report ; That I have I request for a proof off claim ton XXXX AND XXXX XXXX ( XXXX XXXX ) An never give to me this proof of claim. 
Conclusion of the report that I have is : XXXX XXXX XXXX  XXXX DOES NOT have standing to foreclose on the subject property as it not the holder in due course of the subject loan. According to the PSA which created the trust which currently owns the loan. The only possible holder in due course is XXXX XXXX XXXX XXXX XXXX as trustee for the XXXX XXXX mortgage 's LOAN trust XXXX.Howewere, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX   XXXX VIOLATED THEIR OWN SECURITIZATION TRUS DOCUMENTS. Therefore, XXXX XXXX XXXX XXXX XXXX LOST ITS INTEREST IN THE SUBJECT PROPRTY and its right to foreclosure by violating its own PSA.GIVING BOTH THE HOMEOWNER AND THE XXXX investor cause of action for fraud. 

I Have a proof with serious documents that certified this and Certified Fraud Examiner Affidavit. I'm looking for help to save my home. I was looking in my credit and all data about my Mortgages is not there I tray to negotiated with the people but they transfer to XXXX XXXX XXXX and I send 26 Modification to them but they only denied now I send this to your department because I what to enforce that the send me a PROOF CLAIM AND SHOW ME A REAL DOCUMENTS. PLEASE SEND ME AND EMAIL I CAN SEND TO YOU ALL MY PROOF AND LEGAL PROOF OF WHAT I DISPUTED. 
THANKS FOR YOU HELP! 
Thanks for your valuable help! 
XXXX XXXX My direct number ( XXXX ) XXXX I hope you can help me whit this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
It's been 4 months since I reported fraudulent activity on my credit card and Chase Fraud Recovery continues to tell me it is a valid transitions because the " card was present ''. To debunk this claim that my Chase Credit Card was " present '' at a XXXX store where someone purchased {$200.00} worth of items on XX/XX/XXXX... Ive sent/included : 1. The original fraud alert text message from chase that I got on my phone - in which I replied NO I did not make the transaction 2. The fraud alert email from chase- which I received right after the text message 3. A police report they made me file detailing the activity of fraud with my local police department 4. A recording they made me get of a phone call between me and the manager of the XXXX from the night of the fraud - in which he clearly says there was fraud and retells the same series of events as I described many times 5. A TRANSCRIPT of the phone call with the XXXX manager who WITNESSED the FRAUD because their system wont accept audio files or open the link I sent with the recording after they made me get one...

In addition, they have record of me calling into their customer service moments after I received the fraudulent alerts, in which the agent recognized the fraudulent activity and cancelled my credit card and issued me a new one immediately. 

I've talked to countless people their and after reviewing all this evidence and making me jump through hoops to get it, they continue to tell me it was a " legitimate transaction '' for {$200.00} at XXXX because the " card was present '' ... 

If I have to pay for this fraud I will ABSOLUTELY be closing the card and re-assessing my relationship with chase which includes 5 years of loyalty, 5 personal credit cards, and 3 business credit cards, with no defaults and a history of always on-time payments. 

I am truly appalled with how Chase has handled this...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have regions bank - life green checking account - ending in XXXX. As per the terms and conditions document that i got at the time of opening this account it clearly stated that maintain a monthly balance of {$500.00} to avoid any monthly fees. In the month of XX/XX/2021 - the average monthly balance is more than {$500.00} but still on XXXX XXXX XXXX Regions bank charged me {$8.00} as monthly fees. Chatted with XXXX XXXX and told her the same. 
Attaching the terms and conditions document along with the chat.

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 2020-09-04
Company: ALLY FINANCIAL INC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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

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 2023-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I opened a new acct with bank of America and my existing credit union wiredi into bank of America. Bank of America won't release my money

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 2018-08-10
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint against Franklin American Mortgage. 

A payment of {$800.00} was sent to them through Bill pay for {$800.00} on XX/XX/XXXX for XX/XX/XXXX payment. The payment cleared the bank on XX/XX/XXXX. 

Another payment of {$800.00} was sent to them through Bill pay for {$800.00} on XX/XX/XXXX for the XX/XX/XXXX payment. The payment cleared the same day. 

XXXX XXXX XXXX applied the payments to the wrong account. 

When I received a letter stating my mortgage was past due, I called. I faxed proof of the payments on XX/XX/XXXX. This proof - which was straight out of the checking account with reference numbers was not enough. Bill pay had to get involved. They called me at work and informed me of a past due balance - without every reading the notes on my account that two payments were being researched. Every time I called to check the status, they were unable to locate information or had not found the payments. The payments and past due amounts were finally applied to my account after I faxed the proof of payment 6 different times to their  company. I called today to make sure they were updating the credit bureau, they reported the mortgage delinquent two months in a row. I had already requested this in writing, but nothing was being done. She said it would take a minimum of 30 days. I explained to her that it literally takes a minute for her to fax a letter to the credit bureau stating it was reported in error.

This company is unprofessional. They are worried about receiving their money but are not concerned with helping you when they have misapplied the payments. They also are not interested in correcting their mistake with the credit bureau.

I DO NOT RECOMMEND EVERY HAVING A MORTGAGE WITH THIS COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: NJ
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:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2022-12-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My husband and I took out a home equity loan with Wells Fargo Bank in XX/XX/XXXX. The terms of the loan stated that an interest discount would be given for automated payments. Additionally, we were given a notice stating that if we chose to discontinue automated payments, the interest rate of the loan would increase. 
In mid-XXXX of this year, I received a notice from Wells Fargo stating that they had moved my account from the Home Equity to the mortgage portion of their company and that there was a change in interest calculations when automatic payments are scheduled on a weekend or holiday. The letter stated that if payments are scheduled on a weekend or holiday, they would be taken out on the next business day and interest will accrue over the holiday. 
This leaves me in a catch-22 situation. If I do not pay using automatic deduction I will be charged additional interest, and if I use automatic deduction I will be charged interest on the time over the weekend or holiday. 
I have called the company and talked to numerous representatives over the past month. I have offered to have them take out the payment early on weeks that the payment date falls on a weekend or holiday. After explaining that I could only talk to a representative in the evening, they assigned me to a representative who leaves at XXXX and made a habit of calling me at XXXX in the XXXX at home. I was told that a resolution would be reached by XX/XX/XXXX. XX/XX/XXXX came and went. When I called again I was told that I would have a resolution by XX/XX/XXXX. That date came and went. When I was finally able to reach her today, she stated that yes I would be charged additional interest if I chose an alternative payment method, and that the post dating of payments was a courtesy, not in my contract. 
I have a pretty good memory. I remember specifically asking about interest on payment when the loan was originated, so I went back to my original contract. On the page of the loan titled " Installment Loans and Line of Credit Payments '' It specifically states " If the account 's payment due date falls on a weekend or holiday, payment will be credited as of the date due on the next business day. '' Clearly, the representative is lying to me. The bank has changed the terms of my signed loan contract and is attempting to dismiss my complaint against them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. I want these accounts deleted from my report : XXXX 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 2023-11-16
Company: Mr. Cooper Group Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mr. Cooper / Nationstar / Seterus has misreported my mortgage with them as CLOSED to XXXX ( XXXX and XXXX are currently fine ), causing a XXXX POINT CREDIT HIT to my score. I have contacted them several times, including TWO disputes through XXXX, a XXXX  complaint, and they keep reporting my mortgage as {$0.00} balance closed. I would like them to properly report my mortgage to XXXX as PAID ON TIME, Unpaid Principal of {$7400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: CL Holdings LLC
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:
I am a natural person, i am a living human being, i have rights under 15 USC 1681. 

JEFFERSON CAPITAL SYSTEMS is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the account listed below be remove because According to 15 USC 1681 : I have the right to privacy and i did not give JEFFERSON CAPITAL SYSTEM written permission to furnish this account JEFFERSON CAPITAL SYSTEMS ILLEGAL AND ADVERSRE REPORT ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

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 2023-03-21
Company: Clear Recovery, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I purchased furniture from XXXXXXXX XXXX XXXXXXXX online. They charged my Credit Card through XXXXXXXX XXXX  My furniture was delivered. Several strange transactions happened during the week of XX/XX/XXXX, the company would charge my account and then take the charge off. I was very confused about what was happening. However, since I had my furniture and was very busy with work I moved on. 

In XXXX of XXXX, I was contacted by XXXXXXXX XXXX XXXXXXXX. They said that during an audit they made a mistake and I was undercharged. I told them that was between them and my XXXX Credit Card Company. I contacted XXXX and was informed that XXXXXXXX XXXX XXXXXXXX had 120 days from the date of purchase to report any errors. I am in good standing with XXXX and the rest of my credit. 

XXXXXXXX XXXX XXXXXXXX sent their problem to a collections agency, Clear Recovery. Clear Recovery sent me a letter demanding the money. I told them no, that XXXXXXXX XXXX XXXXXXXX is responsible for the error and they use this as a learning tool. Clear Recovery requested a screenshot of my Credit Card transactions from XX/XX/XXXX. I told them no way and that if XXXXXXXX XXXX needs a screenshot of my Credit Card on the transactions that were completed on XX/XX/XXXX, they have an accounting problem. I did offer to give them the XXXX reference numbers of the transactions but neither XXXXXXXX XXXX nor Clear Recovery wanted those. I am sure that since the 120 maximum days to report errors to XXXX have expired that this would not matter. 

I do not use XXXXXXXX XXXX XXXXXXXX for credit accounts nor will use them to purchase furniture ever again. Please give me relief from XXXXXXXX XXXX  and Clear Recovery so can move on with my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open a checking account in my name only at the Truist Bank, XXXX XXXX branch in XXXX Georgia XX/XX/XXXX. The bank employee took my SS # and address and entered into the Truist system. She was then directed to call the Truist Fraud division before opening the account. After the call, she indicated that I could not open an account due to information the Truist Fraud Division had on me personally. Yet, I have no way of knowing what that information is or how to possibly address and correct it. 

I am an Officer / Commercial lender for an FDIC regulated Bank in Georgia and I am being told by another FDIC regulated Bank that I can not do business there due to some untold fraudulent or criminal activity, yet no one at Truist will help me address it. I am concerned that the information Truist holds may impact my job here at this Bank. Or possibly, any job I apply for in the future. 

As a consumer, I respectfully request the opportunity to clear my name and address any suspicious activity that's preventing me from doing business with Truist Bank. No one at Truist will discuss the situation.

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