BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: TCF NATIONAL BANK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I spoke with a TCF Bank ( TCF National Bank ) MN representative on XXXX XXXX and to close my checking account as it was now being charged $ XXXX for paper statement fees. After having to call back as I was using XXXX XXXX as I live in XXXX XXXX and this was showing as a blocked number ( my brothers receive a phone number when I call ). 

I called back went through all the steps and was told to expect the check in a few days. Due to the current issues with the postal service it wasn't noticed that it hadn't been received until receiving an XXXX statement, which was a surprise. 

I called back to TCF on the XXXX XXXX and requested a refund to the account and then to close the account. I was told that the account could not be refunded {$4.00} and that I would have to close the account in person. I stated that as I live in XXXX XXXX this was not a possibility and that I would be raising a compliant as I was told the account was closed. 

Prior to writing this compliant, I called back one more time and asked for the complaints department, hoping that they may be able to resolve this. They said customer services and complaints were the same department and I could not be transferred. On this call I was told that due to my account being dormant ( this was the first reference to this ) I could not close the account over the phone and there was nothing they could do for me. 

This process seems very predatory, as I would assume most people that have dormant account are in a situation where going to a bank branch is no longer possible, part of the reason for the account being dormant. Also, it is unreasonable that they can still charge my account {$4.00} but can not reverse the account or stop sending paper statements ( I cwas told to change this setting I would have to go in person ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/2015 {$770.00} dollars I rarely check my credit score and I happen to do so as of late and I noticed a derogatory mark on an account I am not familiar with. just wanted some help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
this person work next to the car dealer. he ask me to cosign for a lease i agree to cosign. he bring the contract to my house and i sign as a cosigner. this contract was signed on my house, and wasnt sign in front of a notary public. i agree to be a cosigner. now 2 year later this person have 3 month  past due. when i called the financial institution i ask how can i get out of the lease because im just a cosigner. they told me i cant because im the OWER in the account and the other person is the co signer. i sign a paper that say im a cosigner, and they put me in the computer as owner. and also this contract is invalid because it wasnt signed at the dealer, nor infront of the financial manager of the dealer, nor in front of a lawyer or notary public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, 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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: EQUIFAX, INC.
State: PA
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:
Remove XXXX XXXX  inquiry XXXXXXXX this is not mine and no one was given permission

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions 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:
Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-05-22
Company: DISCOVER BANK
State: FL
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'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to DISCOVER FINANCIAL SERVI to get the inquire removed but, they haven't resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
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:
I have unauthorized accounts & inquiries on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is in regard to a student loan account with Navient that was consolidated in XX/XX/XXXX and has my loan on it and my wife 's with whom I am separated and seeking divorce from and there is no communication with her so I am filing this complaint on my own. I made 10 payments on this loan from XX/XX/XXXX thru XX/XX/XXXX. Of the approx. {$5600.00} that was paid almost all of it was applied to interest and fees. I know that Navient is under federal investigation for mishandling student loan payments so I stopped paying them in XX/XX/XXXX. I do not know how to handle this situation going forward as I do not trust them to handle payments properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: United We Collect, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This situation is puzzling to me because I have never been to any hospital in Florida or anywhere close to Fl on the date of XX/XX/2015. Although I have lived in Florida to take care of my mothers when she had XXXX XXXX but never to any hospital. 

XX/XX/2015 was not in hospital The amount of {$850.00} is not mine because I was not there. 
Also I have reason that the social security you have on file isn't correct with mine, because on Step 4 where it asks for account number or last 4 digits of social. As I enter my last 4 it does not let me proceed which gives me reason to believe that the social you have on file is also incorrect which would make sense because it was never me there at hospital. " Identity Theft ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Dynamic Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX This is from XX/XX/XXXX I have repeatedly tried to straighten this out with them but they just keep sending the bill through collection agencies. 
Total amount of bill is XXXX When we went to ER I gave them BOTH insurance cards. The emergency XXXX XXXX XXXX  XXXX XXXX did not process the ins properly and therefore I recieved this bill in XXXX. I've talked to them on the phone numerous times. Last time was about 1 year ago I thought this was taken care of but no .... today I recieved another invoice from a different collection agency asking to make a deal and pay {$320.00} by XX/XX/XXXX to resolve a matter that isn't my making. This should have gone through our insurance that we had at the time. It's also messed up my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase bank advised me that when I moved my mother who is in her XXXX 's upstate due to Covid 19 and was impacted greatly by this I could suspend my payments with no late payments or penalties. I was sick in XXXX and was late with this payment as well but they did not advise me that there would be credit reporting would be done at all. When I went to refinance my car I was advised that my credit had dropped markedly. I later found out that chase who also took my payment and pooled it to XXXX a new provider, did report me late. In fact they reported me late for thirty, sixty and ninety days. 

I contacted Chase and they advised me that because I was late in XXXX they would not help me at all with a payment plan for the three months of the Covid 19 phase. I contacted their executive offices and they are not helping at all. 

When I checked my XXXX  report they conveniently haven't even reported beyond XXXX. I also contacted the XXXX XXXX entitiy Balance, and they advised that although Chase may have been correct in reporting me 30 days late, they should have paused it there when I requested the forbearance being granted. 

I am now in serious need of obtaining a loan for my car and due to these aggressive actions on the part of Chase. I am finding it difficult to appropriately address my family needs and health. 

Any assistance would be greatly appreciated. My name is XXXX XXXX and my contact telephone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to divorce situation, i couldn't able to afford making the payments only myself, so I have been tried to sell the home on the market in order to avoid foreclosure, and I would like need help from the lender to stop the foreclosure, to get more time to sell the house asap. 
Thank you so much for your consideration. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: LEXISNEXIS
State: SC
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 disputed a XXXX XXXX XXXX XXXX XXXX information on my LexisNexis credit profile i have sent them a police report, ftc report and a copy of the letter from the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
have complied with request from all three credit bureau agencies and they have not processed fair accurate disputes to have information removed from credit files ... .. XXXX XXXX, IL XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and Bankruptcy that are reporting on my credit file are all invalid, not reporting correcting and are not mine the account numbers, dates, account themselves, and amounts are reflected on wrong credit profile have submitted police report and ID theft Affvd please see attached.

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 2020-10-29
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My third request in attempt to obtain verification from a debt collection agency about a consumer debt I'am disputing.. A certified letter ( was mailed on XX/XX/2020. As of to date, more than 30 days later, I have not received any correspondences from the debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX  and Equifax are allowing XXXX XXXX to report a Bankruptcy in which the Federal Bankruptcy Court is not reporting. I do not have an account with XXXX XXXX or a contract. The federal bankruptcy court is not verifying my personal info to XXXX XXXX and it is illegal for a third part to report of verify such information in which they were not a party to. 

The same three credit bureaus is further violating my constitutional rights by allowing XXXX XXXX to report a civil judgment from the XXXXr County Tennessee Court that is marked satisfied. I do not have an account with XXXX XXXX and they are reporting a collection of {$4900.00} when the court has marked the judgment satisfied. This is a violation of the Fair Credit Reporting Act. 

The same three credit bureaus is again violating my constitutional rights by allowing the Tennessee Dept. of Human Services to report a civil judgment from the State of Texas. They have been incorrectly reporting and will not allow me a hearing for the negative reporting. State law forbids adverse credit reporting without the opportunity of a hearing. They have removed {$13000.00} from my credit, but should not allowed to report anything that was not entered by the State of Texas. Moreorver, the state law only allows them to report on accounts that are over {$1000.00} past due. I am not past due on an agreed upon judgment in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: WV
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:
Nothing happened a total disregard for the laws Thats all set in place to protect the consumer. It says in fair credit reporting act I have the right to privacy I need all that information deleted off my credit report its all inaccurate. 15 USC 1681 section 604 a section 2 it also states that a consumer report an agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I 've been trying to get Equifax to correct my home address for a month ( XX/XX/XXXX-XX/XX/XXXX ) ..sent in required proof of address 3x ( copies of s.s. card/drivers license and letter from US Treasury with my correct address ).  talked to several agents with this company who agreed that they had received my documents and assured me that the problem would be fixed. on many occasions I 've been put on hold with no one responding, directed to another # # that sent me to recording with no resolutions. they have my address from 4yrs ago as my current address. I moved 3yrs ago to an address that they listed as previous address. I have been at my present address for 2yrs. I 've gone to their web page to submit online dispute but it only states temporarily unavailable..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had account with company I personally contacted them and they stated they also had no knowledge of me ever having a account with them I was giving incorrect information and addresses when I contacted the company and spoke with them I verified and provided information that I never had a account with them in 2020 or any other time and when I refused to give address and personal information they threatened legal action and garnishments and back account levies

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 2017-08-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am being accused of, by the bank, of perpetrating the fraudulent activity. I deposited a fraudulent check unbeknownst to me at the time of deposit. When I realized that something was " not right '' I went to the bank and tried to explain what happened and the bank representative informed me that I could not do anything at the time and that I should wait to hear from them to pay what I owed on the account. I never heard from the bank. A couple years later I tried to open a new account and was denied. I was informed that I had to admit to being responsible for the fraud committed and pay the bank fees and then they would consider my request to open a new account. After I refused to admit any wrong doing the bank representative informed me that he could not help me nor advise as how to resolve this situation. I have submitted all the documentation necessary to evaluate and support my side of the story. Including the initial email contacting me in this 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 monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 fraudulent inquiries in my TransUnion credit report that Ive previously disputed with the bureau and dispute wasnt resolved in my favor and TransUnion verified inquiries to be accurate which is not true. Ive contacted all lenders of which inquiries I dont recognize and I let them know about possibly fraud. synchrony bank, XXXX and XXXX confirmed they will investigate and contact TransUnion to remove fraudulent inquiries and no action has been taken further. 
XXXX also sent letter confirming inquiries would be removed which I received XX/XX/XXXX. 
List of fraudulent inquiries : 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 XXXXXX/XX/XXXX I would like CFPB to help me resolve this issue and restore all damages done to my credit by fraudulent inquiries which I never authorized

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 2019-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have no recollection of these inquires. I have added a separate document outlining the inquires that were added to my credit report. My identity theft report is included with this complaint. I would like these inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND NEED TO BE DELETED 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