BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continued calls - spoke to them once and they could not give me the proper information. I explained I had settled all this before and they said there are now late fees and interest and if I agreed to pay today it would be settled. Scare tactics to get money from people.

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 2020-10-19
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CBS Collect is trying to collect on a debt for {$250.00} for XXXX XXXX XXXX XXXX that I am already paying through XXXX. I have tried to reach out to them to have this removed but when I call I am placed on hold and no one comes back on the line. This collection shows on my 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 2018-05-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wells Fargo has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/2020 I cancelled a Preferred Customer Service Program associated with the Lease agreement. A {$310.00} refund that was due to me was posted to my account as a Security Deposit Increase. The refund should have been credited to my account in the form of a reduction to monthly cost or by check to me. Additionally, my leasing agreement does not provide for a Security Deposit that is not agreed to at lease signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 8 accounts and two Bankruptcies on my credit report that do not belong to me I have reached out to the bureaus regarding this but they are not helping me or pointing me to the right direction I have also opened an ftc for these accounts. 

XXXX - Acct # XXXX XXXX {$1100.00} XXXX - Axxt # XXXX XXXX {$0.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$1100.00} XXXX XXXX - Acct # XXXX XXXX {$16000.00} XXXX - Acct # XXXX XXXX {$2400.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - Acct # XXXX XXXX {$0.00} - No Name Acct # XXXX XXXX {$1000.00} XXXX XXXX - Acct # XXXX XXXX {$1100.00} Account Name : US BKPT CT XXXX XXXX XXXX Account Number : 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 2018-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, I sent a letter to XXXX XXXX in regards to an account that is reporting for {$3600.00}. I requested proof that the debt was indeed mine and that they had the legal right to collect from me. I haven't received any proof of contract that this account is mine, but it is still reporting negatively, which is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Which in return lowered my credit score significantly I have no missed payments with them I have not asked for help or forgiveness during your covid-19 I have actually made more then asked payments,, There are also a couple other credit cards that have lowered my limit resulting in Lowering credit score

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 2018-07-03
Company: Home Credit Corp. Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This was a joint account ( ex-husband ). When he left ; this was included in my bankruptcy. Should be removed from file. I have attached the document. Page 15

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am in the middle of refinancing my home mortgage when I was told my credit score dropped from the XXXX to the XXXX because of a $ XXXX collection. When I pulled my credit reports there is a company, XXXX XXXX claiming I owe an education debt of $ XXXX. I have two student loans, one with XXXX and one with XXXX, both of which are current and I have never missed a payment. When I contacted XXXX XXXX I asked for the original creditor or account holder. They would not provide me with that information, only that it was XXXX XXXX University. I never attended XXXX  XXXX University, I 've never had a student loan in this amount either. I asked for the original documents and I was told they would be mailed to me. I called Convergent back a second time requesting some additional information and I was told that there were no notes in my file to send me the original documents. Convergent also told me this is from a debt in XXXX, which is far outside the Florida Statues of limitations. I have never had any other collections on my credit report regarding this account XXXX XXXX is claiming I owe. Please investigate XXXX XXXX. I have researched them myself and they are well known for fraudulent collections similar to mine. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: BMW Financial Services NA, LLC
State: CA
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:
I was minsinformed by a BMW representative that my account was current on XX/XX/2015 Since the account was current I made my normal payment by the XXXX of that month. It turns out that BMW had an Issue posting a payment from the prior month and lied to me when they said everything was current in the month of XXXX. Since I thought everything was fine I made a payment on XXXX and XXXX on my regular due dates. I did not find out until after my XXXX payments that they had reported me late. The representatives at BMW have constantly given me misinformation about what the last day is to pay my payment is and when the daily cut off time is. I had another instance where I made my payment before the next payment was due and they still reported me late. This happened inXX/XX/2017 when  the BMW website was down and they were not able to take my payment as confirmed, even though the website said the payment was in process. I called and explained that I did not want to make a phone payment and an internet payment at which time the BMW representative said everything would be fine and thered be no late reporting. Again the rep lied and BMW financial services damaged my credit. This company has now recently adopted the policy of not being able to dispute anything, including this dispute, unless its by normal postal mail. This policy just changed about two months ago. Please help. This is hurting my credit all so that this company does not have to give lower rates to its loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CMRE Financial Services, 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: Account status incorrect

Complaint:
I had an unpaid medical bill of {$1400.00} through XXXX XXXX XXXX. It went to collections with CMRE Financial Services in XX/XX/XX/XX/XXXX I made payments to CMRE Financial until the balance was paid. CMRE Financial had agreed to delete the account with all three credit bureaus upon payment. The balance is {$0.00} and it is still listed under collections on my credit. I called CMRE Financial requesting it be removed off my credit. CMRE Financial stated they will not delete it, they can only update as paid in full. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Fraudulent charges were made on my TD Bank Credit Card. TD Bank alerted me that suspicious charges were being made on my card. The charges were made in XXXX, New York on my credit card. I currently live on XXXX XXXX and have never visited XXXX. While these chargers were being made on my credit card, I was using my debit card on XXXX XXXX. On XX/XX/XXXX the customer service rep assured me that these issues would be resolved and the {$1100.00} worth of fraudulent charges would not be my responsibility. I received a letter in the mail on XX/XX/XXXX that stated that TD banks investigation determined that there was no billing error. The charges are all for establishments that do not align with my spending habits. After talking to numerous TD employees and a supervisor the issue has not been resolved and I am thinking they are going to hold me responsible for charges I did not make. As a long time TD bank customer I am extremely disappointed with how this dispute case has been handled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a discover card in college. I lost it XX/XX/2015. I thought it was shut down, but there were more charges on it and it showed up on my credit report as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CORELOGIC 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: Account information incorrect

Complaint:
My Credit Score from CREDCO-SB submitted to a mortgage company is at XXXX ' ( XXXX ) which was based on XX/XX/2019. It was reported that I have -'serious delinquency ' -'too many delinquent accounts ' -delinquent account appears too recent ' These are not true and I refute all of these. We pay off our credit cards in full every month. 

Thanks, 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 2021-03-29
Company: AMERISAVE MORTGAGE CORPORATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I was filling out information on line to get a pre approval letter from Amerisave mortgage company. Every thing seemed ok until the website asked for our bank user names and passwords. I filled my bank in but quickly changed my password because it did not seem like something that should be asked. then both me and my spouse credit reports were looked at somehow when I was never asked permission and I never gave our social security numbers. After I filled out what they asked for except bank information it said congratulation you have been approved. the next day XX/XX/XXXX I was contacted by an agent. i was instructed to send necessary documents on line to get pre approval letter. At the very end of the process I was informed there was a XXXX dollar non refundable fee to get the letter. I find out later most mortgage companies do not do that. My rate was locked in for 48 days witch gives me little time to find a place because it takes about that long to even close the loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per Credit Check Total. 
I have attached What these items are :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14
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:
XXXX XXXX XXXX {$4100.00} Date OpenedXXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX|Date of Inquiry : XX/XX/XXXX XXXX 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Good morning. Ive been on Chex systems for a couple years now. Ive been trying to open a checking account but when I apply to serval branches they decline due to Chex systems. I had a fraud activity when I was younger with XXXX XXXXXXXX XXXX. They stold my card and I spoke to the banker and they close my account. Later on I have to pay a return fee balance which I did. It happen on XX/XX/14. They are not helping me remove something that didnt cause by me Chex systems when I call are very rude and not helping. I need to know if Im able to open a account now its been years and I have a right to do that because I never had this problem in my life. This is ridiculous and Im highly upset and if I have to sue the company of not understanding my issue or accusing me this was my fault I will do so. I need some one higher of a company to help me with my 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
Consumer complaint received 2018-07-03
Company: EQUIFAX, INC.
State: CA
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:
I borrowed auto loan through XXXX XXXX XXXX since XX/XX/2012. I have been using auto pay to pay my loan and assuming the auto pay will take care of the entire loan. I have never miss or late for any payments. Until I recently found out that my credit score has dropped 200 points and I have not received my car title. That was the first time I found out that I need to actually call XXXX to make that last payment. During these period, I did not received any remindering letter, email or phone calls as they promised on their website which I found out later. I immediately paid the remaining balance over the phone and wrote a letter to XX/XX/XXXX credit dispute to explain my situation and hope they can take off the negative impact on my credit score. Giving that I was not aware nor received any reminders regarding the last payment needed to be manually paid, XXXX insisted that they had sent out multiple letters, emails and phone calls which is not truth. I have been making multiple phone calls and letters to XX/XX/XXXX regarding my situation but they insisted it's not their fault or responsiblility to disput my credit score. 200+ credit score dropped is a big damage and please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I borrowed auto loan through XXXX XXXX XXXX since XX/XX/2012. I have been using auto pay to pay my loan and assuming the auto pay will take care of the entire loan. I have never miss or late for any payments. Until I recently found out that my credit score has dropped 200 points and I have not received my car title. That was the first time I found out that I need to actually call XXXX to make that last payment. During these period, I did not received any remindering letter, email or phone calls as they promised on their website which I found out later. I immediately paid the remaining balance over the phone and wrote a letter to XXXX credit dispute to explain my situation and hope they can take off the negative impact on my credit score. Giving that I was not aware nor received any reminders regarding the last payment needed to be manually paid, XXXX insisted that they had sent out multiple letters, emails and phone calls which is not truth. I have been making multiple phone calls and letters to XXXX regarding my situation but they insisted it's not their fault or responsiblility to disput my credit score. 200+ credit score dropped is a big damage and please help me fix 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 explanation
Consumer complaint received 2021-03-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
So I was going to get a puppy and this person and I contacted through XXXX. We made arrangements to get the puppy to me from California and I was supposed to get her this morning however, no contact from the person and now, I have been blocked. I paid {$650.00} and Chase ( my bank ) says that they can't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: CO
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:
There are unauthorized hard inquiries that I have been trying to remove from my credit reports for months now by contacting both the bureaus and the companies but to no avails. 

XXXX  : XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX  Experian : XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-03
Company: Weinstein, Karp & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Weinstein & KarXXXX are debt collectors repeatedly call my two cell phones looking for an individual named XXXX XXXX. Somehow this guy obtained my cell phone numbers and used my name and phone numbers as reference. My wife and I have repeatedly told representatives of Weinstein and Karp we have no affiliation with this individual but they continue to harass us looking for this individual. Not less than six times they have called us and each time we tell them we have no idea who this guy is, but to no avail. Today was the latest incident. I requested they remove my numbers ( again ) but they said they had no information they previously called us. They blame every call on a " new system ''. After being hung up for requesting to speak to a manager they then refused to answer my calls. They have also repeatedly texted us in the past.This has 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 2018-07-03
Company: Midwest Recovery Systems
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company does not follow the lending laws and regulations of the state of Virginia. When I tried to resolve this issue and stop any further transactions I could not get any resolution nor would they send me documentation of the validity of this loan or online agreement. I no longer can get in touch with them. They have turned the account over to Midwest Recovery Systems for collection.

Company response to consumer: Closed with explanation