BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2021 I was notified by XXXX that my name and Social Security number were used to open a fraudulent checking account with BB & T. 

I immediately contacted the bank at this phone number ( XXXX ) XXXX. I filed a police report. I contacted the Federal Trade Commission and Social Security Agency to report the event. I was assured by BB & T that the account had been closed and that an investigation would take place.

When I started receiving paperwork from BB & T I became alarmed and called the bank again. I was reassured that the account was closed, an investigation ongoing and that whatever communication I was receiving by mail was in the pipeline prior to any measures being put in place. 

I am now in receipt of notification stating that my account is overdrawn by {$200.00} ( plus late fees ) and that if I dont cover this debt a collection agency will be retained to recover this amount. 

I have called the bank repeatedly. They refuse to give me a case number to follow progress and claim that they are backed up. 


I have written to : XXXX XXXX XXXX, XXXX, CEO BB & T XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX no answer.

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 2021-02-11
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was a XXXX account that was opened in my name through XXXX XXXX.That account was closed by XXXX XXXX letter dated XX/XX/2019 because of fraud i have the letter.The account number was XXXX, XXXXXXXX XXXX sold the account to ( XXXX XXXX XXXX under a new account number after knowing that the account was fraudulent that account number was XXXX that this account was opened XXXX Now that same fraudulent account is with MIDLAND CREDIT MANAGEMENT INC they are trying to sue me after a cease and desist letter was sent to them to stop any collection activities. 
XXXX XXXX XXXX, XXXX has the account XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
No matter what you complain about these agencies are by by opinion of multiple truths and experience frauds, incompetent. Balance XXXX XXXX incorrect on autoloan paid XX/XX/XXXX still not updated. Negative commentary still not updated and wrong. One can go on but being held hostage and financially kidnapped while the so called PROTECTORS do squat isdemeaning, insulting and frankly PURE EVIL! Yes and negatives always posted immediately

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 2021-06-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my house and have been waiting for my escrow account refund. The taxes were paid by my new loan company and Penny mac who is my old company also paid them The loan was paid off on XX/XX/21. XXXX XXXX sent the money back to XXXX on XX/XX/21 and Penny mac said they were going to send the money to us on XX/XX/21. I called today on XX/XX/21 and they still have not sent the money to us. I have called them 6 times and everytime they give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FAIR COLLECTIONS & O Account Number : XXXX Date : XX/XX/2015 Amount : {$9500.00}

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 2017-11-12
Company: Experian Information Solutions 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:
Someone put me down as a co signer on a fraudulent car loan and this company refuses to fix it no matter what I send in. I have sent a police report, documents and a ftc identity theft report yet this fraudulent account is still on my credit report fraudulently blemishing my record and I was n't given a chance to send all the information in within the first 30 days before it was reported to my credit due to all mailings going to an address I am not associated with that went to the fraudster. So I could n't dispute the fraudulent nature of this account. Which in turn causes me to miss other accounts that were fraudulently opened after that such a XXXX car insurance, a light bill, cable and an apartment after that point of first compromise. If this step does not resolve my issues I am taking legal actions regarding this unauthorized account. I should n't have to be thrown between 3 different departments when I call trying to get this removed, lied to and not provided the fraudulent application that was put in. It was not provided within 30 days of my original request for it and still have nothing on my end to try and pin point who may have done this.

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 2017-11-12
Company: EQUIFAX, INC.
State: GA
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 written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact XXXX, XXXX, and Equifax. I have also called the companies in which the inquiries were made and they were unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FAIR COLLECTIONS & O Account Number : XXXX Date : XX/XX/2016 Amount : {$5500.00}

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 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been banking with BANK OF AMERICA for 20+ years and are one of their Platinum Honors clients. Last week I received 11 letters fro BOA stating that they have made the decision to close all of my accounts including my credit cards and my investment accounts with BOA/Merrill. 

I have called the customer service number indicated on the letter only to be told, " sorry Sir, the bank as made a business decision to close all of your accounts, there is no more I can tell you ''. 

To me this seems absolutely baffling and absurd. After all this time as a customer, in the middle of Covid after been laid-off, Bank of America decides they are not going to stand by their customers. 

Why do banks do this to their best customers??? Who makes these decisions? All customers service can tell me is, " the " Bank '' has made the decision ''. 

If you are a current Bank of America customer, please be aware that this could happen to you with no notice and not even a phone call. Proceed with caution!

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 2021-08-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
fcra violatons never late : XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Open. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$310000.00} Status Open. 
XXXX/XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$510.00} Status Open. 
XXXX/XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Open. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 




not mine fcra violations : Account info Account name XXXX  XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$360.00} Credit limit {$15000.00} Highest balance {$15000.00} Terms NA not my address remove only what requested : XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: NY
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:
Experian should have sent Financial Compensation for re-insertion of derogatory items!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Approximately {$1500.00} in fraudulent unauthorized charges using stolen debit card number over the course of about 2 years. Wells Fargo allowed these obviously fraudulent charges ( all out of state, most out of the country to what appear to be private XXXX accounts ). 
Reported to Wells Fargo upon discovery in XX/XX/2018. 
Wells Fargo refunded a tiny portion ( about {$70.00} ) to cover the first 60 days of the fraud as they are legally obligated to do ) but refused any recompense on the remainder. They also mishandled the investigation, leaving approximately {$300.00} or so out of the claim due to some sort of mathematical or transcription error that I was unable to get to the bottom of. 
Was told today ( XX/XX/18 ) that I had escalated as high as I could go and that they would not re-open my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter by mail in XX/XX/2016 that my loan qualifies for XXXX School discharge and it would be discharged. Well years later my loans were not discharged. XXXX sold my loans to Navient and Navient is pretending like they never heard of this. I have fought for years with XXXX. Now that the loans are transferred to Navient, they stated I have to start the process all over. I have 4 loans from XXXX  school that totals {$7000.00}. I just want this taken care of so I can pay my legit student loans. This has hurt my credit score and interfered with finding a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Federal Trade Commission : This is a letter serves as a formal investigation request investigation for a breached agreement by Focus Recovery Solutions. 

On XX/XX/2018, Focus Recovery Solutions mailed a counter-offer in response to my original settlement letter dated XX/XX/2018. On XX/XX/2018 I faxed a letter accepting their counter offer in the amount of {$390.00} contingent upon deletion and any negative remarks on this account. 

Despite my financial hardships due to their willingness to resolve this account I paid the counter offer as agreed on XX/XX/2018. I feel as though their eagerness to help me resolve this account was a form of deception get me pay with no intentions of removing from my credit after settlement. 

On XX/XX/2018 not only did they update this account on my credit report as a new collection account they added a negative remark indicating this account was settled for less than the original amount owed. Their actions not only dropped my credit score 21 points but has cause other revolving accounts to affirmation actions to include lessening my credit limits based off current credit score. 

I am requesting the immediate removal of this account that i am no longer liable for. Should this account status remain on my credit report, I ask that my payment of {$390.00} be returned for breach of contract and any further communications cease. 

Thanks in advance for your prompt assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
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:
Attention XXXX and if possible XXXX and TransUnion Delinquent Account ; XXXX   XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX XXXX about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same name I guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. Please Correct

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: JPMORGAN CHASE & CO.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home XX/XX/2010. During the last 9 years I have gone through an ugly divorce, had 2 XXXX, 2 wrecks, my son went to XXXX for 20 years and a number of other issues. When I was 2 months behind Chase stopped accepting payments from me. I have applied for loan modification in excess of 5 times. The results are always I am denied either due to not enough income or on one occasion to much income even though nothing changed. I was denied the right to use my child support of {$380.00} a month as income because there was no divorce decree. I was never married but we got an attorney had a parenting contract and had it notarized and filed. I was also denied the ability to use my XXXX year old daughters income because she hadn't had her job log enough. I co-signed for my son and his wife for a car and provided 3 months of proof they make their own payment but was not allowed to subtract that from my debts even though I pay my own car payment. I owe more on my house now then when I moved in 9 years ago but no one can explain to me how that is possible. I was denied any type of a repayment plan. Foreclosure papers were left on my step when I was out of state but were filed with the court saying they were accepted by someone in my household that doesn't exist and no signature was provided. I filed an appeal on all of these issues but nothing was done. All I want is a fair chance to make my payments and keep my family in a home during the winter months but Chase refuses to work with me at all. My daughter in law who is pregnant recently moved back in with me and I tried to include her income but still denied. Please help a person who is just trying to pay her mortgage and keep her children 's home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: AR
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from 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 2020-06-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/2020, XX/XX/2020, XX/XX/XXXX, XX/XX/2020, XX/XX/2020 Lakeview Loan Servicing llc Contacted me By Leaving XXXX XXXX At My Front Door, After My Repeated Request to Stop Sending  Packages to me. I am unsure if it is a Marketing Strategy or an  attempt to colllect a debt that I do Not owe. I want the XXXX Packages to STOP!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Back on XX/XX/18, I was contacted by XXXX XXXX XXXX XXXX  They called my cell phone a couple of times and left no voicemail. After finding out they were a debt collector, and due to the fact that I know that I don't owe anyone anything, I called them back to see what the problem was. They were looking for someone ( some XXXX ) who only shared a last name with me, and I had no idea who they were. They apologized and said they would take my number off of the list. 

This morning ( XX/XX/18 ) I received yet another phone call from them, same situation, I don't owe anyone a cent. I tried calling them back, twice, at ( XXXX ) XXXX to remind them what was discussed, and all I get is dead air. I'm sick of these people calling me over a complete stranger 's debt. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company left a voicemail on my wife 's phone threatening to show up to my home or job. When I called they threatened me with garnishment and judgment. This is the first time we have heard from this company. We have not recieved any Initial Demand Letters.

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 2020-12-16
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that one of the accounts that was removed from my previous dispute, came back with a different collection this time, the collection name for the alleged debt with XXXX is CREDENCE RESOURCE MANA, I definitely don't recognize this account, the account doesn't belong to me, please stop further collection activities and remove the account from my XXXX and XXXX  credit report.

Company response to consumer: Closed with non-monetary relief