BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
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 have dispute multiple times with over the course of a few years about credit errors on my credit report.. I have reached out to the companies that have been reporting and I have notified the credit bureaus that the errors exist and every time I dispute them the end result is that it meets requirements. I have notified XXXX XXXX that the wrong debt collector is reporting on a collection account. I have tried to dispute it and twice it has come back that meets requirements. XXXX XXXX Is reporting on a XXXX account that has been bought by another agency and this has been disputed and and the credit bureaus will not remove it. I have reported that an apartment community its charging me incorrect balances over the past four years on both XXXX  and XXXX. At one point I had double entries for the same collection account. And they will no longer allow me to dispute it online which I dont think its fair when it is in accurate. I have a payment agreement with XXXX XXXX  which is showing the incorrect balance based on the payment agreement is still showing my total balance and its not showing my current payment history or balance with them. XXXX XXXX  which is been reported by XXXX XXXX XXXX has been informed that XXXX XXXX has fraudulently attempted to collect A substantial amount outside of what i owe to them and I cant get this corrected.. I had a lease fraudulently signed in my name and have been charged a termination fee because I was not living there during that time and cant get that off of my credit report.. I have been denied a job with the Department of Justice, denied a security clearance multiple times and most recently denied housing because of these errors. For someone whos trying to correct their finances I dont think that its fair that I can not reach out to these individual entities and get this corrected myself without having to pay someone they are taking advantage of the consumers ignorance towards the fair credit act and reporting.. I also do not believe that if an entity doesnt report my payment history at all or even good payment history ( ex : cable, cell phones, colleges, utility companies, insurance, rental payments, etc etc ) and when it is good they should not be allowed to report when consumer has financial difficulty and is unable to pay. It is a predatory practice and it is not fair to the consumer.

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 2023-09-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies didn't make sure it was 100 percent correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 percent accurate on my credit report and Under U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 percent accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps the agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2021-04-10
Company: EQUIFAX, INC.
State: RI
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:
On XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing 2 collections reported by the same company. I have yet to see any documentation regarding these account nor their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
We have had a mortgage with State Home Mortgage for 5 years. We have never missed a single payment during that time. We are now trying to sell our property and buy a new home. In order to process our new mortgage, we need the most recent statement from the mortgage we hold with State Home Mortgage. I attempted to download a statement from the user portal, but that option is not available. I have called State Home Mortgage several times, and each time I sat on hold for over 30 minutes before being routed to a voicemail. I left a voicemail each time requesting a callback. I also emailed every email address available for State Home Mortgage, including : XXXX XXXX XXXX XXXX I have not received an email back from any of these communication attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection amounts in question are {$490.00} and {$490.00}. These amounts are under {$500.00}, which falls under the guidelines provided by the Consumer Financial Protection Bureau ( CFPB ). According to the CFPBXXXX XXXX debts under {$500.00} should not be reported to credit bureaus. Therefore, I request that these accounts be removed from my credit report immediately.

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 2023-10-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 sub section ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
At the beginning of XXXX, BANK OF AMERICA closed my checking account and placed a hold on the {$5600.00} in the checking account, they said they would audit the funds, but XXXX months later, the audit has not been completed and I need the funds to survive!

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 2021-03-16
Company: JPMORGAN CHASE & CO.
State: CA
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:
Saw an ad on XXXX, thinking XXXX is a legit law abiding website, i clicked on the ad which was for a gas powered remote controlled monster truck, not realizing the XXXX $ was to good to be true i ordered it, then right after i felt like i messed up so i started to do some research with the company to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
Come to find out this is a front or cover for multiple scam sites like the one i feel for, so immediately tried to email them which failed, couldnt cancle the item so a few days go by no email from the company i file a dispute with visa for a non recived item at the time, no tracking info, a week or so goes by and and item is at my door but it wasn't what was claimed on the site, so i immediately called visa to notify them i recived the item but it was falsely advertised, was told by visa representatives that everything was fine and no further actions were necessary, but they recharged me for it cause the scam merchant claim to have sent me something, which they did but was not as advertised. Now visa wont refund me my full amount and onlying going to give me part of whats owed, clearly when i called visa to notify them of the recived item they should've resubmitted my dispute and falsely advertised .i believe visa to be complacent in this falsely advertised bait and switch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a checking account with Wells Fargo and use their bill payment service. They mailed a bill payment to XXXXXXXX XXXX for my mortgage loan. I had fully paid off the mortgage loan I had with XXXX by the time they received the check from Wels Fargo and they told me that they never cashed this check and that they returned it. Wells Fargo keeps claiming that XXXX cashed the check. When I provided XXXX the proof of payment from Wells Fargo, they did further research and told me that XXXX did return the check and that XXXX, which Wells Fargo uses for their bill payment service cashed the check. Wells Fargo is still insisting on additional information from XXXX. I clearly told them to reach out to XXXX but they haven't done that. I also told them to look at the check that was cashed and that in the endorsement section, it looks like it was cashed to a Wells Fargo account. Wells Fargo still hasn't done anything and keeps asking me to provide more information.

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 2018-09-17
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I presume this company is trying to contact me about a past due bill. I HAVE NO PAST DUE BILLS or outstanding debt. I believe them to be a scam company. In XX/XX/2011, all outstanding debt on my credit report was handled as part of my divorce and either settled, written off, or paid in full. NO BAD DEBT OR OUTSTANDING BILLS are on my credit report, nor have they been since XX/XX/2011. This company keeps asking for personal information from me and I have told them not to call me again. They have now called my landlord. I have contacted the company and requested they not do this again, but I do not know if they will comply. AGAIN, I have not had any outstanding/past due debt on my credit report since XX/XX/2011. I check my report regularly and I do not see any evidence of identity theft either. So AGAIN, I presume this is a SCAM.

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 2018-10-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loans have been in forbearance due to part-time enrollment at a XXXX   college. I finished my last class in XX/XX/2018, and my first payment should not have been until 6 months from that date, which would be XX/XX/2018. However, knowing how sneaky private loan servicing companies ( i.e., Navient, my student loan servicer ) are, I checked my balances monthly. I checked in early XXXX and nothing was due. Then I checked again today, on XX/XX/2018, and saw a payment due on XX/XX/XXXX. Navient failed to notify me ( despite me being enrolled in email notifications ), and did not honor the 6-months timeline for forbearance to end after seizing enrollment. I believe Navient did so on purpose, to unsuspecting customers, forcing them to miss a payment. Please investigate, and I will surely be following up with Navient today as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate 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 2023-02-22
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SCXXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-03-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband passed away on XX/XX/2020. On XX/XX/XXXX, our Social Security Check, totalling {$1600.00} was direct deposited into our account. Our bank put a hold on the check bc it was issued in my husbands name and he was deceased. I spoke with the Social Security Administration. They advised bc he was alive for part of XXXX. I am entitled to our check in full. They asked that the bank either release the funds to me or send them back to the Social Security Administration and they could issue it in my name. The bank will not do either. They have been holding my funds since XXXX. I have called and e-mailed and visited in person, dozens of times and nobody will help me. I am a XXXX year old widow and that was an entire month of income for me. I have been behind since then and I am desperate for help. I will soon be choosing between rent and medication. Please help me get what is rightfully mine. Chase will not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: PHH Mortgage Services Corporation
State: KS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
When I entered into the SAM I was assured that what I saw as an error in the principal balance calculation would be resolved when the payments going into a suspense account had been applied. They weren't. I was being held hostage to the errors of the company and couldn't refinance with anyone else. The servicing has been transferred to yet another problem servicer and I would like the mortgage fixed so that I can go to another company. 
1. I require a complete, separate breakdown of the calculations that came up to the amount of over {$150.00} k on the remaining principal balance. The principal balance was at that time around $ 120k. I had not been on a payment plan where the payments going into suspense would have equaled anything near over $ 30k. The payments in the suspense account should have taken care of all interest etc but seem to have disappeared.

2. I require a complete accounting of the amounts in the suspense account and to what they were applied.

3. I require a complete accounting of the principal balance showing the calculations to come to a figure of over $ 150k and how the suspense account was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Monterey Financial Services LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are charging a {$20.00} fee for monthly payments on a debt. I didnt know that they were doing this until I looked up my payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-12
Company: DISCOVER BANK
State: NJ
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 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  Data 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 non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2023

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 2023-07-28
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS IS ATTEMPTING FORECLOSE ON MY HOME WITH ASSIGNMENT THAT WERE CREATED AFTER THE CUT OFF DATE OF THE ALLEGED TRUST THAT WAS FILED WITH THE UNITED STATES SECURITIES EXCHANGE. THE DID NOT RESPOND TO ALL OF MT CONCERNS IN THE QWR NOR DID THEY ADDRESS ASSIGNMENTS ISSUES OR THE TRANSFERS. I CALLEDXX/XX/2023 TO HAS MY CONCERNS ESCALATED OMBUDSMAN DEPARTMENT AND IT REFUSED. I CALLED AND THE AGREED TO HAVE CONCERNS ESCALATED. THEY ALSO HAVE ADDRESSED THE DUAL TRACKING ISSUE

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