BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 40 days later I have not received a response. I feel like i am being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within. 30 days gives a reason to immediately remove those items from my credit report. It is been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to. the stress you. caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This loan was originally held by XXXX XXXX and sold to Firstmark on XX/XX/XXXX. I have since attempted on multiple occasions to create an online profile on their website in order to access my account and make payments. When attempting to register in their online system, I have received multiple errors stating my information is not recognized and to call their phone number. 

When the account was first sold to Firstmark, I was not enrolled in school, and several payments were withdrawn from my account, per the original payment agreement. Payments were made for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. I have been enrolled in school as of XX/XX/XXXX. 

On two separate occasions I have called and received different instructions on how to resolve the issue. 
Phonecall # 1 : Can not recall date - Representative instructed me to enter all information in capital characters. This did not work. 
Phonecall # 2 : Mid-XXXX  XXXX - Representative informed me that my information did not match what was on the promissory note, and that I would need to send a letter with my account information and a scan of my drivers license to verify my identity. 

I provided this information in a letter dated XX/XX/XXXX. This letter was confirmed to be received by Firstmark on XX/XX/XXXX. In this letter I requested my information be corrected and I be provided a confirmation of such correction. I also requested a copy of my promissory note. As of filing this complaint, Firstmark has not responded to this letter and has not provided the documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received repeated harassing calls multiple times daily from phone number XXXX. A quick search of the internet results in Midland Credit Managements website stating that the phone number belongs to them and should you get a call from that number to contact their company about a debt collection matter. I called the company and was told by multiple people that they do not have any accounts related to me and that they are not able to stop the harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
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: Was not notified of investigation status or results

Complaint:
Based on these two accounts : 1. XXXX. # XXXX 2. XXXX # XXXX In accordance with the Fair Credit Reporting Act, I filed a complaint with XXXX, XXXX and Experian that my consumer rights to privacy and confidentiality had been violated. 
15 U.S.C 1681 C section A ( 5 ) States no consumer reporting agency may report any consumer information containing any of the following items : 1. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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

I sent all three agencies certified letters stating the aforementioned consumer laws and still nothing was done. 
The accounts must be deleted from my file if they can not abide by the rules and laws put in place by the government.

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 2023-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a fraudulent accounts on my credit report, which I reported it to BANK OF AMERICA, yet BANK OF AMERICA is not removing these fraudulent accounts. BANK OF AMERICA has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BANK OF AMERICA has refused to do this. The followings are the fraudulent accounts : BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$36000.00} and BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$49000.00} which were open at an address where I have never lived at and it has nothing to do with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: U.S. BANCORP
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank has denied receiving four mortgage payments for which I have the canceled checks. The months in question are XXXX through XXXX of 2021. I was on the " loan forbearance program ''. US Bank has repeatedly frustrated my attempt to come off this program by making unreasonable demands for documents and unethically attempting to get me to add additional people to the " loan modification papers '' so that they, too, would be obligated to pay the mortgage. Neither my previous spouse nor current spouse were parties to the original mortgage agreement. Furthermore, US Bank sent " loan modification '' papers to the wrong address -- twice -- and when they finally sent me papers at my XXXX address, they included a form for a notary public located in the XXXX of Georgia. Now they say they need a " quit claim '' deed from my former spouse although she was never awarded title to the property. That action would also abrogate the divorce degree, saying that she was entitled to net proceeds from the sale. US Bank accepted mortgage payments from me for 16 years without need any kind of " quit claim '' deed. They wanted to put me in an impossible situation with my former spouse so they could continue to charge me 6 % interest instead of the 3.125 % interest they are supposed to charge for those coming off the mortgage forbearance program. Also, while claiming to have not receive any mortgage payments from XXXX through XXXX, they also demanded that I pay a lump sum of over {$29000.00} by XX/XX/XXXX to avoid foreclosure. US Bank is violating federal law and needs to be held accountable for their illegal and unethical actions. None of US Bank 's replies to my former complaint actually addressed the real issues, and I do not think the complaint should have been closed. I do NOT think the CFPB is doing the job it was chartered by CongresXXXX to do -- it's supposed to be an advocate for consumers, not a shill for unethical banks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my mortgage, which was held by Wells Fargo. They provided a pay off amount, and we wired that plus additional funds to cover any delay in the receipt of those funds. They held the wire and without communicating anything to me, did not apply the funds and then sent me a threatening letter saying I was in default on my mortgage. They would not supply any rationale for the extra amount that was owed. In the end, they charged me mortgage insurance twice in the month of XXXX, which was the additional amount they said I owed before they would pay off the mortgage. I was charged XXXX on XXXX XXXX and the payoff was wired to them on XXXX XXXX. They then charged the account an additional US {$320.00} in mortgage insurance on XXXX XXXX and held up the payoff for almost 10 days so they could charge that additional amount. They acted like they hadn't even provided a payoff total and refused to communicate why additional funds were being charged. This has effected my credit, and is a fraudulent practice. I was told that if a wire is incorrect, the bank normally returns it immediately and provides a corrected amount, rather than holding it for 10 days without explanation so they can charge an extra fee. 

Regards, 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 2020-07-24
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use three financial online/apps and all of a sudden all three are not able to connect to my PNC Checking Account. 
The three are XXXX, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Hello, I have contacted all three credit bureau about my credit inquiries that I did not allowed or give them permission to run a credit check on me. I asked can they help me investigate the matter from XXXX, XXXX, and Transunion. I have not heard anything back from these XXXX XXXX 's. 

I was told that if a company run a credit check on me and within 14 days if I give another company to run another check on my report it will count as XXXX hard inquiry. As noted on my credit report each inquiries was ran within that time period and it shows on my report I had XXXX hard inquiries. 

From my calculation it suppose to be only XXXX inquiries not XXXX. These credit bureaus refuses to make the necessary correction to my report which is causing damaged to my repot and score. Each one of the inquires was ran around the same time period within the time frame. But it count as each individual inquiries which affected my 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 2022-04-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I received an alert from my credit monitoring service that my name, address, and SSN was compromised. I pulled my consumer report and noticed Equifax is reporting some fraudulent accounts and inquiries on my consumer report. Furnishing, deceptive, and fraudulent information on my consumer report violates my rights as a consumer. Delete these accounts immediately.

15 USC 1681c-2 ( a ) '' Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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. '' - XXXX XXXX ( XXXX ) - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reaIched out to this collection company many times in the past. I did not authorize any transactions with this company or XXXX XXXX. I have asked Naitonal Credit Adjusters to provide me with verifiable proof to include my signature. I have been told by agent at Natioanal Credit Adjusters they do not have to provide me with verifiable proof with my signature. 


This is not my debit and this collection agency is not licensed in the state of TN nor is there a office in the state of TN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 XXXX transactions were made with my stolen cash app card from a merchant called XXXX  the total of the transactions are as follows XXXX. {$100.00} XXXX XXXX XXXX XXXX XXXX I contacted the merchant on XX/XX/2022 and was instructed to file a dispute claim in accordance with regulation E to summarize it once the company acknowledged my dispute they must do a thourough investigation in accordance to regulation E procedure and after 10 days if no resolution I must in fact be given provisional credit while the case is being resolved after one day they sent me a email saying they found no error on those transactions and if u wanted to request the information used to come up with thier answer, was a picture of one of the transactions I disputed which makes no sense on thier behalf not only did they not follow the procedure with regulation E procedures the information they sent me that was used to deny my claim doesn't even explain or can't even be used to deny the claim l, so I need your guys help to make sure my claim is being fairly investigated in accordance with regulation E procedures please and thank you I've never used or heard of this merchant before by the name of XXXX and according to cash app based on my transaction history thier is no error, but if you go thru my transaction history thier is no purchases or history prior to the XX/XX/XXXX transactions that are being disputed so that's also false information thier saying I attached a screenshot of all the ATM withdrawals on my account history the XXXX transaction circled in blue have a different ATM fee than all the other transactions that are shown meaning the XXXX transactions I'm disputing each have a ATM fee of XXXX and all under the company of XXXX  so no other transaction on my history are from XXXX  besides those XXXX done on XX/XX/XXXX so there allegation of prior device and account history of me using that merchant before is false thier fore their resolution with that allegation has no credibility on the business cash app dispute team

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
As of XXXX XXXX, 2022, Bank of America closed my account without any indication. I had deposited a check the week before and they never told me they were closing my account. I have been patiently waiting for them to refund me the owed money, which would be about {$5600.00}. 

Called XX/XX/XXXX asking the process and was told that a cashiers check would be mailed out by the following week. The review process was basically ending that day on an account that was seemingly closed, which it wasn't yet. Called on XX/XX/XXXX to see where the location of my refund was and was told that the account was still in process of review, over a month after they said my account was closed. They said the process will be done today, XXXX XXXX. I see no trust or believe this at all. 

They have held my money for over a month on an account they said is closed, but isn't closed, yet I can't go into a physical bank and withdraw it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/16 I accessed Chase website to check status of my mortgage payments. I noticed corporate fees accessed on my statement dated XXXX/XXXX/16 and XXXX/XXXX/16. My loan is currently due for XXXX/XXXX/16. Chase is in violation of Respa Act and FDCPA Act. I need to know what are the fees for. I have attached a copy of the statement reflecting these fees accessed on my account. 
Your help in resolving this matter would be appreciated. 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have reached out to the company and tried multiple times to resolve the issue. They refused to do anything.

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 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have ( 5 ) INQUIRIES on my TransUnion consumer credit report that I didn't authorize or give permission to pull my credit report. 

1 ) XXXX XX/XX/XXXX & XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX I have attached a " FTC IDENTITY THEFT REPORT '' # XXXX I have attached a " POLICE REPORT '' # XXXX THESE INQUIRIES ARE THE RESULT OF IDENTITY THEFT PLEASE REFER TO 15 U.S. Code 1681c2 - Block of information resulting from identity theft You have 72 hours to block this information and it's adverse effects on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: ME
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 formally lodge a complaint regarding an unauthorized Spectrum account that has been opened under my name without my knowledge or consent. This matter was brought to my attention during a necessary security clearance check, and it has caused me a considerable amount of distress and inconvenience. 

Complaint Details : Account Holder Name : XXXX XXXX Possible Account Number : XXXX Address Associated with Account : No available but the agent said XXXX XXXX Texas Date of Account Opening : No available Balance reported : XXXX For your reference, I have been residing and working exclusively in XXXX and XXXX from the year XXXX until the present year, XXXX, as can be verified by my employment records and residential documentation. During this period, I have not authorized any third party to open a Spectrum account or any other account on my behalf, nor have I opened such an account myself. 

I kindly request you to investigate this issue with the utmost urgency and provide me with a detailed report of your findings. I believe this to be a case of identity theft, and I am prepared to take legal action if necessary to resolve this matter and clear my name. 

In addition, I insist on the immediate closure of this unauthorized account, the removal of any associated charges, and the rectification of any negative impact this has had on my credit report. 

Please find attached copies of my identification, proof of residence, and employment records, substantiating my claims in this complaint. I trust that XXXX will treat this matter with the seriousness it warrants and act expediently to rectify the situation. 

Thank you for your immediate attention to this matter. I anticipate a prompt response, outlining the actions taken to resolve this 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