BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
In the past few months I have had a Bank of America account opened in my name and XXXX inquiry and XXXX hard inquiries on my social security number Last year someone also tried to file for unemployment with my social security

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 2023-03-06
Company: LEXISNEXIS
State: TX
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 was checking on my credit report when I found out that there are so many incorrect information, and unverifiable information being reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: NV
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:
THE ACCOUNT DISPUTED ARE DISCHARGED ACCOUNT THAT HAS BEEN SETTLED IN COURT. THE DEBTOR HAS NO RIGHT AND AUTHORIZATION TO REPORT ON MY CREDIT FILE AND TO COLLECT ANY DEBT THAT HAS BEEN DISCHARGED. I AM NO LONGER RELIABLE TO THESE ACCOUNTS AND I AM REQUESTING IMMEDIATE REMOVAL ON THE REPORTING CREDIT BUREAUS, EXPERIAN AND 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 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2022-04-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
To whom it may concern : All collection accounts You're reporting this collection as a " OPEN ACCOUNT '' which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

The agency cant prove I owe them the debt Ive asked for original documentation stating I contracted with them Have asked for it to be removed from credit because one or more is a Hippa violation Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2021-02-27
Company: ZWICKER & ASSOCIATES
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from a lawyer 's office regarding a credit card debt. The creditor is XXXX XXXX. I reported this account to the creditor and the credit bureau as a fraudulent account that I did not make. I stated that the account was applied and made by identity theft. 
Once I discovered the account 's existence, I reported a police report with an FTC identity theft report. Also, I requested proper verification to be processed for the fraudulent credit card account. 
Unfortunately, the credit did not provide any documents to me suggesting that I applied and used the account. The only documents I received were monthly statements of the fraudulent accounts. 
I requested a specific document, which was a written contract/agreement that was made between me and the XXXX XXXX. 

I do not understand how XXXXXXXX XXXX can sell this fraudulent account to the collection agency when they clearly failed to conduct a proper verification process of this fraudulent account. 

Also, the date Zwicker and Associate posted on the upcoming lawsuit is XX/XX/XXXX and stated that I must reply back within 30 days. I only received the letter today, which is XX/XX/2021. I know by law I have 30 days to respond back to them, but I only received the letter today. 

Zwicker and Associates are playing games with me in order for them to not to provide any verifiable documents to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Receivables Performance Management, LLC
State: UT
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:
Receivables Performance is reporting a debt on my credit file that I did not know I had. I just checked my credit report & found out about this debt. As soon as I found out I called them right away to learn that it was a debt from XXXX  XXXX. I have not had an account with XXXX  XXXX  for years & didn't know I had a debt with them. I did not receive any phone calls, emails, letters, notifications, nothing! as they claim. I feel like they are in violation of my 30 day right to dispute and I demand they remove this collection off my credit report. I have settled the 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 explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 some negative information on my XXXX account that is beinf reported. It should be removed due to error. Please see attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
my relationship began with XXXX XXXX back in XXXX, back then I was led to believe that if one had no credit or e=was even looking to re establish a line of credit that as long as I made on time month payments and was in good standing throughout the agreement I would be ok. as just stated it is advertised and in their contract agreement. I have never been one to really examine or even request for my credit reports until the summer of XXXX, I expect greater things in life such as a house, a car etc. so as I started analyzing my reports I noted that XXXX was in fact reporting to the credit bureaus however, they were limiting what was being reported. the biggest thing that creditors look for when determining credit worthiness vs risk is a consumers payment history, available credit limits, debt to credit ratio, actual monthly payments, and account activity. XXXX negligence to implement those most critical pieces of information while submitting the little that they did has really made difficult for me to build a name in good faith in my community. you see as of XXXX XXXX I started my own business and my business has suffered severely. I cant get a business line of credit, a company vehicle, and my insurance was out of this world. to date I have given to the XXXX XXXX over 35,000.00 and my only source of income at the time being is a monthly social security check however, every month they were paid and paid on time. their method of reporting accurate information is not fair nor is it right when will it be fair to us consumers?

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 2023-07-15
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX around XXXX XXXX I went to the bank to make a deposit of {$2000.00}. The ATM says it takes up to XXXX pills I had all XXXX and it was XXXX bills. I put my money in the ATM and first it read that it wasn't able to deposit all bills so when I read it I it open back up and I tried to get my money but then it closed. After it close I was like okay it's count my money because I heard it shuffling around when it was complete with counting the money, something came up that said it was not able to complete the transaction but it didn't get my money back. I put my car back into the slot to check my deposit and there was no {$2000.00} that I just put in the machine. I immediately call the bank to get it fixed. They really no help and sadly it was Friday and now I have to wait until Monday. Very inconvenient, I think the bank should be open 7 days a week because now the bank robbed me and I have to wait to see if I'm even going to get my money back. That is a large lump sum of money that I can't afford to get away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2017-12-04
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The school I was going to was a waste of student loans. The school was not teaching everything needed they only wanted the money. I graduated from the school but it has been very hard to find a job in my profession due to the lack of knowledge that was paid for but not taught.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CCS Financial Services, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was for lab services at XXXX XXXX. I disputed the amount owed as I was charged a consultation fee along with lab fees. I did not receive a consultation fee nor did one get ordered by my physician. I refused to pay the amount charged of {$100.00}. The debt was then handed to a debt Collector, XXXX XXXX XXXX in XXXX of XXXX. On XX/XX/XXXX I filed a dispute and sent over supporting documentation to XXXX. I then contacted XXXX over the course of the next 7 months and was told my collection account was still under dispute and XXXX XXXX will not return any calls to the debt collector. I than heard nothing more for over 4 months assuming XXXX still did not respond. I than received a collection notice from another debt collection agency, Credit Collection Services. ( CCS ). First notice dated XX/XX/XXXX. I called CCS on XX/XX/XXXX and advised this debt was still in dispute with XXXX and was never resolved and gave specific details. I advised CCS I do not owe the entire amount of {$100.00} and will pay only what I do owe. I will pay either {$55.00} or {$47.00}, but not both. Supporting documentation attached to this complaint. This is now in violation of FDCPA as the debt is and has been in dispute and now collection attempts have taken place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a 10 year HELOC with Chase that expired yesterday ( XXXX XXXX, 2023 ). I have a letter from Chase stating that my last draw on the HELOC is XXXX XXXX, 2023 and yesterday ( XXXX ) I tried using the website, made phone calls to Chase and tried depositing a check from the HELOC into my Chase account, all to no avail. No one at Chase would help me nor the online check deposit would not go through. Now ( today ) the HELOC is closed and I can not draw from it. My last day was said to be yesterday to draw from the HELOC. This is misleading and I needed the last draw of {$5000.00} from the HELOC to go through for payment of bills, etc. Help me here, please. I waited to my last day as stated on the letter from Chase and they would not let me draw from it. I did this to obviate the high interest of almost 9 %. I tried reaching out to them this morning and they said sorry can not help me with no explanation as to why they mislead me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
PORTFOLIO RECOVERY IS CHANGING THE STATUS OF THIS ACCOUNT AS CLOSED ONE MONTH THEN OPENED THE FOLLOWING MONTH. SINCE XX/XX/2019 THE STATUS OF THIS ACCOUNT CHANGES EVERY OTHER MONTH OPENED/ CLOSED THEY PURPOSELY LIE TO THE 3 CREDIT REPORTING BEAREAUS. THIS IS DONE INTENTATIONALY ELECTRONICALLY. AFTER I MAKE DISPUTES TO THE 3 CREDIT BEAREAUS THEY MARK THEM AS CLOSED. THE FOLLOWING MONTH THEY ARE CHANGED BACK TO OPEN.THIS MUST END. THIS ACTIVITY IS ILLEGAL BY FEDERAL AND MARYLAND STATE LAW. AFTER 3 YEARS AFTER FIRST DELINQUENCY THE ACCOUNT IS OFFICIAL CLOSED AND YOU CAN NOT SUE OR SEEK A LEGAL REMEDY. I SENT THEM CEASE AND DESIST NOT TO CONTACT ME VIA US CERTIFIED MAIL AND RECEIVED GREEN RETURN CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2020-05-06
Company: Fairway Independent Mortgage Corporation
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I felt this lender was taking advantage of me and the situation, while threatening me to hurt my credit by reporting the appraisal charge to collections when the deal didn't go through. 

I was never given a link or any form of Payment form before he ordered it. Seller failed to perform and had to cancel the deal, then he started harassing me for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying on my student loans since XXXX. I have contacted Navient multiple times regarding loan forgiveness as I have been paying on them so long. My most recent attempt was on XX/XX/XXXX. I have been told repeatedly that loan forgiveness is not an option. I have also asked if they would take a reduced amount and forgive the balance. I was told that Navient does not engage in this practice. I owe {$5500.00}. In my estimation, Navient has made enough interest on my loans to repay the total amount several times over. I have never been late in paying or missed any payments. Can you help? Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I signed a contract with XXXX XXXX to assist me with modifying my mortgage loan. I was informed by my account manager with the company XXXX XXXX that I was entitled to a full refund if the modification was not successful. The promise of a full refund was my main reason for signing the contract to do services with this organization. In the end the modification was denied and I was referred to other agencies and other services which required more money however the modification was denied and my home went into foreclosure. I went to the company owner XXXX XXXX, he stated that the company was now out of business and that I will not be receiving any refund. After doing more research on XXXX XXXX, I later learned that he has opened several companies such as this and he has taken money from unsuspecting consumers and left them in an even worse situation. 

Please help me put an end to this gentleman 's scams and obtain a refund for myself and other helpless consumers. Please contact XXXX XXXX at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX, I began the process of refinancing my home through Wells Fargo ( WF ). Currently, they are my mortgage company. I was told I needed to have the home appraised and the cost would be {$600.00}. I paid and in XX/XX/XXXX the home was appraised. The Valuation Report was sent to Wells Fargo for an underwriting review. This is where things got sticky. The Wells Fargo representative verified all the documents I submitted. Everything was going smoothly until I was asked about a home I returned to XXXX  in XX/XX/XXXX due to financial difficulties I was experiencing. Although I voluntarily returned the home to XXXX after attempts to complete a short sale, it is listed as a foreclosure. Furthermore, the WF rep asked for various documents from XXXX such as payroll documents as check stubs, income taxes, billing statements from the XXXX XXXX XXXX where my son went to college. I informed the rep that I was employed with the XXXX XXXX XXXX at the time. Once an employee leaves the agency, payroll records are not maintained. Also, my XXXX graduated in XXXX. The university no longer maintained the billing statements. Lastly, I only keep tax records for XXXX yrs after filing. Therefore, I only had tax docs dating back to XXXX. I provided the WF representative a copy of the Letter of Explanation sent to XXXX discussing the circumstances surrounding my returning the home. 

The WF rep was also asking for detailed information regarding my FHA loan. WF was the holder of my mortgage at the time. Therefore, the information regarding the FHA loan was already on file. 

Note, at the time ( XX/XX/XXXX ), XX/XX/XXXX was more than 7 years prior. It is my understanding that financial institutions can not request information or ask for documents, etc., about incidents that occurred more that 7 years prior. 

Bottom line : Wells Fargo asked for information that did not align with the preliminary assessment I completed for them before being assigned a representative and was outside the 7 year window. 
I felt this tactic was used to substantiate denying me the loan. For the record, I am a XXXX American female over the age of 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