BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: Credit Karma, LLC
State: MO
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:
Enticed with credit card and loan offers with fair or outstanding approval odds Ive applied and get denied leading to unexpected and unnecessary credit inquiries with the belief that no effect on my credit would happen through credit karma now my phone and email is bombarded with scam loan offers and XXXX party loan finders that I dont respond to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The bank that I file this complaint about is Fifth Third Bank. They keep sending bills stating that the mortgage payments are being made late, but that's false. The mortgage - account XXXX- has been paid timely. The Mortgage Loan Statements that the bank sent the last 3 months keep showing charges of late fees. I've called the bank, and initially they kept saying that they will look into it, because I provided information of timely payments. When I called again today, because I received another statement, the voice recording stated that there isn't any customer service by phone, and that I shall text them instead. Their own Mortgage Loan Statements states the following on the back : " Give Us a Call : Customer Service Professionals are here for you Monday through Friday, XXXX XXXX. to XXXX XXXX ET .... '' I have reason to believe that : XXXX. Fifth Third Bank has no interest to look into this issue, and wants to keep unfairly and fraudolently charge late fees for prompt payments ; and XXXX. When a customer insists in clarifying the issue to put a stop to the fraud, the bank blacklists that customer to stop any communications with them, and doesn't even allow them to access the basis modes of communications ( by phone ) with the bank. 

At last, another fraudulent practice of this bank is that, they cash payment, but they don't count as a payment if the payment is not exactly what the bill is. That's not a fair ; if a costumer makes a payment for a debt, the payment is credited toward the payment of that debt. No bank should keep a customer 's money earmarked as a debt payment, and not count it as a debt payment. 

Again, the mortgage loan account XXXX is being paid correctly every month, and the bank should stop their fraudulent practice of charging late fees for prompt payment, of not applying payments cashed as payments to the loan mortgage, and of creating undue hardship for the customer to reach out to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never got a letter stating I owed a debt from XXXX. This collection was placed on my credit report on XX/XX/XXXX. I contacted the debt collection company and requested a Debt validation letter. The man on the other end of the phone informed me it would take about 30 days. To the current date, I still have not received any formal debt validation letter from PHOENIX FINANCIAL SERVICE. While the collection has been removed from the other credit bureau 's it still remains on XXXX phoenix Financial service can not prove I owe this debt. I would like it removed from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: The CMI Group, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX XXXX  CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, This collection from Credit Management and XXXX XXXX is fraudulent. This account was opened under a fraudulent address and with my personal information. This is identity theft. I have spoken to Credit Management and XXXX XXXX and told them that this is not an account that I authorized or opened. Please remove this collection from my credit reports immediately. 
There is an active fraud statement on all of my credit reports. 
Collections Report Date : XX/XX/2022 Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit scores. 

Date Reported : XX/XX/2022 Collection Agency CREDIT MANAGEMENT Original Creditor Name XXXX XXXX Date Assigned XX/XX/2022 Original Amount Owed {$110.00} Amount {$110.00} Status Date XX/XX/2022 Status UNPAID Balance Date XX/XX/2022 Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/2022 Comments Contact CREDIT MANAGEMENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is reporting collection accounts on my credit report when they are not authorized by having a collection agency bond in the state of NJ. I have contacted the NJ Secretary of State and  was told that there is no bond on file for XXXX XXXX XXXX. They also told me that XXXX XXXX XXXX XXXX, which is the parent company of XXXX has 2 bonds that expired on XX/XX/2018. NJ state law statutes ( N.J.S.A. 45:18 et seq. ) dictates that no person can operate a collection agency, collection bureau or collection office or engage in the business of collecting or receiving payment for others of any account, bill, or other indebtedness without having a sufficient bond on file with the Secretary of State. With this newfound information I demand that all accounts being reported to my credit be deleted IMMEDIATELY as XXXX is completely breaking NJ state law and has been doing so since XX/XX/XXXX when I disputed these accounts. 

They are reporting 9 accounts that should all be deleted. Account Numbers are below. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 2023-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my checking and savings accounts with Bank of America on XX/XX/XXXX. I havent received my check of {$1100.00}. It was negotiated on XX/XX/XXXX, when I realized it was missing. It was fraudulently endorsed and I contacted the bank, and the police. Since then, Ive contacted Bank of America customer service countless of times, and I have only received photocopies and notification letters that Ive already negotiated the check, and that its been endorsed already ( the fraudulent endorsement ). The case was opened with Bank of America in XXXX, and I had to open it again in XXXX. I have given a correct address to them, and they repeatedly mailed to the old address where the check was intercepted. The last time I contacted them on XX/XX/XXXX to get my check mailed to where I am, they said it should be here XXXX business days. It is XX/XX/XXXX, and I still have not received anything but another notification letter that I have already beguiled this check and that it was endorsed and deposited ( the fraudulent one yet again ). They were able to send that letter to my correct and current address, but not the check.

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 2018-11-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax is reporting a duplication of an auto loan that I am the co-buyer on with my grandmother. The loan account was opened XX/XX/XXXX with XXXX XXXX XXXX with a current and remaining balance of {$12000.00}. This is the ONLY loan that we have with XXXX. I have disputed this error with Equifax on numerous occasions to include numerous online disputes as well as phone calls. I have been told by Equifax to contact the creditor ( XXXX ) and have them validate the correct account. XXXX  has and continues to validate the correct account and report information monthly. Equifax updates the correct account while disregarding this duplicate entry for almost 2 years despite my numerous disputes. Its an obvious duplicate as both entries show the same account number. We never closed an account and opened another with XXXX and XXXX has confirmed there has been no reason or changes that would to justify an additional entry. 
The duplicate account has not been updated since XX/XX/XXXX which is when it was added, still shows a balance of {$17000.00} and an account open date of XX/XX/XXXX. All incorrect, proven incorrect yet Equifax has and continues to report incorrect information that has not only lowered my credit score, increased my debt to income ratio and directly impacted my credit worthiness and ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 tried every month over the last year to get these accounts that do not belong to me removed from my credit reports, they keep saying " verified '' and then when I ask how it was verified I get no response and start the dispute process over again. I have supplied definitive ( signed and/or notorized contracts ) proof that these accounts do not belong to me! If they are not removed voluntarily I will be forced to proceed with legal action.

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 2022-11-18
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Experian Information Solutions Inc.
State: UT
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 XXXX XXXX # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of 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 explanation
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-18
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I recently did a debt consolidation, Barclay credit card company received their payment to close this particular account, and they were accidentally mailed an additional check from my bank XXXX that was supposed to go to another credit card company as part of another debt consolidation that was not made out to Barclay.

They went ahead and cashed this particular check, and have placed the balance of this check into this now closed Barclay account, I have no access to retrieve this remaining balance to pay off my other outstanding loan, and they have yet to cut me a replacement check, mail it to me on a timely basis, and have dismissed their responsibilities, with no further correspondence to these funds being returned to me. XXXX Bank where I have the consolidation loan has been of no assistance in this error, and have been handling this error on my own.

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 2019-05-03
Company: MOHELA
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 contacted Mohela Department Of Education by letter a few months ago and asked for them to verify the information they posted on my credit report. They did not verify it, or even provide me with a signature. The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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:
The consumer reporting agency constantly keeps misplacing my identity theft reports. I have sent it 3 times by mail and each time I call and ask if they received it they say no they can not find it in the system. Then they direct me to send it again I am already dealing with identity theft why would I want to keep send my personal documents through mail if it is constantly being misplaced. The mailing system is not that incompetant. This is absurd, and then they refuse to remove these fraudulent inquiries on my report because they say that they need the identity theft report on file. How many times do I have to keep wasting money sending it to the, if they keep misplacing my documents. The last time I called the representative hung up on me. Since when can you hang up on a consumer? Who is going to be held responsible for misplacing my documents? I am stressed out by this it is such an inconvenience. These fraudulent inquiries need to be removed immediately so that I can move on with my life. 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX & XXXX Inquiry : XX/XX/XXXX XXXX XXXX -XXXX Inquiry  : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Medical Data Systems, Inc.
State: GA
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:
To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called to provide a new checking account number over the phone with a live agent because the pay-phone system would not accept my payment for the new account on the XXXX which is the last grace period to pay my mortgage. Once I did speak to a customer service rep at the mortgage company two payments instead of 1 posted too two different accounts. 1 from a account I never authorized which put my checking into overdraft after providing a different account I was told was entered and corrected twice ..instead of the new account I provided ... leaving the money in the new account untouched .. So I went into my bank with XXXX XXXX XXXX XXXX on the XXXX called the mortgage company again with the bank providing the checking account I had already provided on the XXXX. At that time I was assured my new account would be debited for {$1100.00} ... on XX/XX/XXXX waving the {$12.00} processing fee ... my work payroll it on the XXXX and all my money was debited again on the XXXX for {$1100.00} for mortgage taking all my money out my account that the mortgage company was not authorize or allowed to use I was sent two confirmation emails # XXXX for two drafts 1 from the authorize checking 1 from the unauthorized checking withdrawal..By the way I am not on any automatic withdrawal service. I have been unable to pay any of my mid -month bills such as my car note, car insurance, utilities ... buy food or anything ... I have sent all requested documents to the mortgage company that the money they took from both accounts have cleared plus any NSF charges on my account for my money to be returned. I have spoken to several supervisors, email customer care sent supporting documents still I have not been provided a reversed refund of charges. Now it is the XXXX my mortgage is due again between the XXXX ..But None of my other bills have been paid. This is placing me in a Hardship!!! I spoke with XXXX at XXXX on the XXXX .. Then a XXXX  at same number different extension XXXX on XX/XX/XXXX .I have emailed a XXXX ... sending supportive documents.., .I have emailed XXXX ... 
STILL my money has not been Returned my loan number is XXXX..Lakeview Loan Servicing holds my mortgage. XXXX ... I was also recorded on a recoreded line that I did everything Right..plus provided all correct information from the start ... I would like all my late charges for all bills I could of paid be caught up ... Please Help ... as this is No Fault of mine ... .Upset Consumer!!! my contact number is 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 2023-01-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was contacted by phone with XXXX people impersonating people from the Office of the Inspector General/DOJ , the Social Security Adm , and my local Police Dept. They informed me that my SS XXXX  was being used to open other accounts around the country and that all accounts would be closed for further investigation. I was told that I could put some money into a special account that I could access until I was given a new SS XXXX. I went to my local XXXX XXXX to send a domestic wire transfer to a Chase Bank in California for {$46000.00}. After completing the transfer, I became very worried about what i had done. I went back to the XXXX to stop it, too late. I filed reports with my local police, XXXX, FTC, XXXX, XXXX of California, and my XXXX. I tried to talk to Chase Bank and its Claim XXXX with little success. They didn't seem to be concerned that an account was being used to scam elderly people for fraudulent purposes and possible money laundering. I fear that these people will continue to prey on and take advantage of others.

Company response to consumer: Closed with explanation