BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: Amsher Collection Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sent my name to a collection agency for the amount of {$100.00} where in a do not owe XXXX this amount for any bill. My ex wife was the primary account holder for 4 lines and my number happens to be under this four ( 4 ) lines but I was not responsible for the bill. My ex wife was the account holder and that was her responsibility while a took over the cars insurances, internet and cable bills. When we got separated she closed the account with the balance owed on it. instead of XXXX billing her the amount she owes they sent me the bill and I rejected it then opens my own account with XXXX  in my own name with a different number. Even the lady that was processing my new account told me I was not responsible for the my ex- wife account because I did not initially opens the account. When I check my credit report I find out that XXXX  debt collection agency has placed that amount on my credit report and XXXX point was deducted from my credit scores. I have called XXXX on XX/XX/2022 @ XXXX to removed the item from my credit report and I also follow up on XX/XX/2022 @ XXXX. I also Called the XXXX debt collection agency and they said XXXX has to resolve the issue for it to be removed from my credit report. XXXXXXXX keep turning me around without any solution to the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NE
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged excessive over draft fees

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 2022-04-22
Company: EQUIFAX, INC.
State: WA
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 XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-05-09
Company: SYNCHRONY FINANCIAL
State: TX
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:
PayPal credit filed a missed payment on XX/XX/XXXX of 2023 with all 3 credit bureaus in which account is closed and on auto pay.

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 2023-05-09
Company: RoundPoint Mortgage Servicing LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to Roundpoint effective XX/XX/XXXX. Prior to that, Roundpoint emailed me that my existing automatic payment from my prior servicer would automatically continue to be withdrawn by Roundpoint. By XX/XX/XXXX my automatic payment was not withdrawn and Roundpoint also had not record of my loan, even though it was supposed to be withdrawn on XX/XX/XXXX. Therefore, I made a manual payment of {$1500.00} on XXXX or XX/XX/XXXX. On or around XX/XX/XXXX Roundpoint also automatically withdraw a second {$1500.00} payment, and its website shows it credited it to the account effective XX/XX/XXXX. A statement dated XX/XX/XXXX shows that {$770.00} of the second payment was credited to interest and the rest to principal. I have the following issues involving Regulation Z and UDAAP : XXXX ) Roundpoint withdrew its automatic payment late, so it is only fair that it should have credited the payment effective XX/XX/XXXX rather than XX/XX/XXXX, which would reduce interest accrual on the paid off principal for XXXX days. 
XXXX ) Roundpoint credited my XXXX  payment to {$770.00} in interest even though there was no interest ( since it was paid by my XXXX  payment ) This suggests that it held my XXXX  payment until XX/XX/XXXX, rather than reducing my principal effective on the payment date. This means it received my money without paying me interest from XX/XX/XXXX to XX/XX/XXXX. Since this entire debacle occurred because Roundpoint did not withdraw the payment when promised it must pay me interest on the money by crediting my second payment on the date it was paid rather than on 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 explanation
Consumer complaint received 2021-03-09
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:
I have disputed 2 account that I do not feel are accurate, nor has the company ever provided proof to me that this debt is owed! The first time I disputed this through the credit bureaus was XX/XX/XXXX. I disputed again on XX/XX/XXXX because I didn't receive anything in the mail from the bureaus. It is XX/XX/XXXX and I still have nothing from anyone! No investigation has been started, no verification was given by the creditors or the bureaus and no response was sent to me, electronically OR through US mail!. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The company has ignored my request regarding the unauthorized transaction repeatedly... I XXXX  XXXX  thru XXXX  and notified them within 15 minutes of the pending authorization posting to my account... I had the card on my person and absolutely no association with the transaction associated with the unauthorized debit to my Cash APP XXXX.. 

CFPB IS DOING A GRAVE DISSERVICE IN ALLOWING LAX OVERSIGHT AND ADHERENCE TO DISPUTE RESOLUTION FOR CARD PYMTS AND INADEQUATE, IMPROPER PCI/DSS PERFORMANCE .... XXXX  SHOULD PULL THEIR PROCESSING AGREEMENT AND FORCE SWUATE/BLOCK TO FIND A REPUTABLE BANK TO HOLD THEIR FUNDS AND RECEIVE! /PROCESS THEIR TRANSACTIOONS I HAVE BEEN WAITING ALMOST 10 DAYS TO HAVE THE FUNDS CREDITED BACK TO MY ACCT ... XXXX XXXX  CHAT SUPPORT FORCES THE ACCOUNT HOLDER TO ATTEMPT RESOLUTION WITH THE MERCHANT THAT PROCESSED THE TRANSACTION PRIOR TO ALLOWING YOU TO FILE A DISPUTE - THAT MEANT 4 DAYS BEFORE THEY EVEN OPENED A CASE AND ONLY THEN AFTER ALMOST 10 CONTACTS ATTEMPTING TO RESOLVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX  there was a check deposited into my Wells Fargo account. Which I did not log into my bank until three days later and seen that it was in the negative. The money was taken out at an atm using my debit card which was lost. For my transactions Ive only used XXXX XXXX which I mentioned to the bank because I didnt know where my card was but they still denied my claim. Around XXXX my social security number and my driver license was posted on instagram by someone I know, and ever since then Ive been getting letters in the mail about trying to open a new account with different banks which I did not do. Now my Wells Fargo bank is in the negative because of a check I did not deposit. Ive been on XXXX XXXX since XX/XX/XXXX, I have not been to an atm or have any way of getting paid, since Im XXXX XXXX and dont get a maternity leave check. I do not know where the check came from the signature on the check doesnt even match mine. I start back working on XX/XX/XXXX and that is the only bank account I have, but my account is XXXX and I dont want the money I make from work to go into the account and just lower the negative balance because I never deposited 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 explanation
Consumer complaint received 2023-05-09
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every year my mortgage company, Newrez, is sent proof that I have flood insurance, and every year they pretend they didn't get it and charge me for forced flood insurance. And then, if I don't catch it, I just continue to be charged. When I called to talk to someone about it, their employee told me that it happens all the time and the only way I can make sure it doesn't happen is to physically sit on the phone with someone while they check the email or fax and enter it into the computer. This is so frustrating, and I do not understand how they are able to continuously charge me for something that I did not ask for, and do not need. This seems like a shady way for them to steal money on the chance that people don't realize they're being charged. Something needs to be done about this. I've never had this issue with any other mortgage company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX account # XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # 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

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 2023-09-08
Company: EQUIFAX, INC.
State: NJ
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, I contacted Navient previously see complaint # XXXX. I attempted to call them and make arrangements several times ; however, their customer service agent or loan servicer " XXXX '' yells and talks over me, threatens, accuses me of giving Navient " bad checks. '' Its horrible, its abusive. I will not talk to him and Navient has set up when I call that he is the ONLY person that I speak to. I truly want to get this straightened out, and I have been attempting. I am attaching the letter I got from XXXX explaining that the checking account I HAD did not allow certain transactions that I was completely unaware of. That account has been closed and I have a new account. Navient was not my only error in this. So XXXX can get some help for his abusive presentation with customers. This company calls at least XXXX to 5 times a day, up until exactly XXXX, they call on Sundays too. For me to speak with XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I attempted to enroll in the Federal loan forgiveness program with Navient. I spoke to Navient and verified I qualified. I worked for XXXX. I thought I only had to make 10 years of payments to pay off my loans, which are over 100,000. Then I called them and said that my payments did not count from 2007 on -- because I should have switched over to another servicer sooner. What!!? They NEVER told me that. Now I am years behind where I thought I was -- all because of their misinformation. I want to be part of the lawsuit against them. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I ordered merchandise over 13 years ago. I filed a claim with wells fargo when I had the account. The amount was XXXX I believe or somewhere in that range. 13 years later they were audited and found that they owed me my money back. After 13 years of holding onto my money, they sent me a check for XXXX cents which if I owed them any money they would be charging me interest every month like nothing until paid. So why after XXXX do they get to walk away with a slap on the wrist I am not okay with this and I told the branch manager in XXXX XXXX same thing this is not right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX is the original debtor who turned me over to a collection agency called Spring Oaks Capitol, LLC. The balance is XXXX. The agreement was stated that if I paid XXXX they would write off the balance. I did pay the XXXX did not receive anything in writing of the agreement and they continue to hit my credit ever month for the last 8 years. The original debt is 7 years old but the collection agency has 3 years and 24 months. I am asking that this account be closed with good standing and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: NJ
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. 
XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-05-09
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Property was seized by Chase and my family was removed by the police. 
Told the police they were holding an auction of my property that weekend. 
I was told by the police that if I was seen on the property, I would be arrested for felony trespassing. The auction never happened, but I still do not have access to. The property. 

Chase property management took control of the property. 
They changed the locks and never came back, allowing the furnace boiler and heating pipes, and radiators to burst. 
The building inspector has removed the certificate of occupancy and instructed me to demolish the house. 

I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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 attached the necessary documents to support my claim, This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2019-03-02
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX trying to collect a debt of XXXX. And already reported me to the credit bureaus when in fact I do not owe anything from original Creditor XXXX XXXX XXXX. XXXX Report No. 1XXXX. Attached a copy of certificate of full payment from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, 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:
My car was stolen and my personal information has been used to get loans and credit. I filed the correct paperwork according to the FCRA and submitted it to the credit reporting agencies. Nothing has been submitted correctly and I do not have copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation