BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries, I have contacted the Creditors and they have No Evidence of Credit with them .Enclosed is a copy of my Identity Theft Report supporting my position.

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 2021-04-25
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX once again reported to credit bureau about my account even though they have sold my account to a collection again This an attempt to destroy me by a XXXX manger in XXXX North Carolina because we got in to an argument. We had made arrangements about the payments on the vehicle. The next day he repossessed the vehicle. Then he promised me that I wouldnt have to worry about it being on my report. He said if it did appear he would remove it. I said wait a minute you telling me if this appears on my credit report you will remove it.I asked him that because I dont trust no one I mean no one not even my mother. He said yes thats a easy fix. Well that easy fix has cause me nightmares. It has cause me nearly one hundred points since XXXX. I will be contacted my uncle who is XXXX XXXX XXXX  to let him know that how I am being treated and what this credit bureau is doing to me. No wonder theyre talking about abolishing the three credit unions. Because if they let whats happening to be everybody in this world that is a shame. Well not everybody just XXXX and XXXX. I also will contacted the U.S.Congress OF These United States of America to let them know about the injustice people of color are experiencing with these three Credit Bureau. It is a shame I fought for my country. Im a 100 % XXXX Veteran and I have to experience this type of horrible treatment from the credit bureau. This is the year 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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 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. XXXX XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$53000.00} SOC SEC ADMIN OFFICE O XXXX {$40000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX  XXXX {$150000.00} XXXX  XXXX XXXX {$150000.00} XXXX XXXX XXXX  XXXX {$1400.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On yesterday, XX/XX/2018, I received a Bank notice in the mail that documented : " Here is your Personal Identification Number : XXXX  ; For your Card : XXXX ; You can use your PIN to access your accounts 24/7 with your Chase Debit Card or ATM Card at any ATM. If you prefer to change this PIN, please visit your nearest Chase branch. If you have questions about using your card, please contact us at : ( XXXX ) XXXX ; Quick Tips about protecting your card *Never write your PIN on your card or anywhere it can be discovered - like your wallet or your purse. ; *Never leave your transaction receipt behind. ; *Never give any information about your card or account to a stranger or to anyone who calls you over the phone. ; and *Be aware of your surroundings as you approach the ATM and while conducting your transaction. NOTE : If your card is ever lost or stolen, please contact us immediately at the number listed above. '' On or about XX/XX/2018, I visited a Chase branch to change my personal checking account PIN ( my " exact same '' checking account referenced above in this writing/filing ) from the " Personal Identification Number '' documented in the Chase Notice received on yesterday. I have " repeatedly '' requested, that this bank ( and bank representatives ) change my PIN # back to my " NEW '' PIN # ; CEASE and DESIST their ongoing practiced reprisal/retaliation and DISCRIMINATION ( locking me out of my personal checking account ) by using my " old '' PIN ( used prior to XX/XX/2018 ). I have NEVER wrote my NEW/OLD PIN on my card or anywhere that can be discovered-like my wallet or purse. ; I have NEVER left my transaction receipt behind. ; I have NEVER given any information about my card or account to a stranger or to anyone who have phoned me. ; I am aware of my surroundings ( to the best of my ability ) as I approach any ATM and while conducting my transactions. Chase bank, maliciously changed my personal checking account PIN " internally '' back to my " old '' PIN ( after I have already visited a branch and specifically changed my personal PIN. Therefore, it is the banks job, to change my PIN back to the PIN # chosen by me on or about XX/XX/2018. ALL supportive documentation, will be faxed to the CFPB. THE END!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Home Loan Center, Inc.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Someone by the name of XXXX applied for a loan with XXXX XXXX and gave them my cell phone number. I have received dozens of calls from lenders as a result of XXXX XXXX sharing my cell phone number. I have been promised several times that my number would be removed from XXXX XXXX and the call would stop. This has not been the case as I still receive call to my cell phone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an escrow account with my mortgage servicer Mr. Cooper. The escrow account pays my property taxes and school taxes and home insurance. Mr. Cooper is refusing to process the payment to pay my school tax bill despite me sending them a copy of this bill back in XXXX. Ive called them numerous times and they are claiming that in their system, the bill was already paid. It wasnt paid. Mr. Cooper even tried to send me a refund check claiming that my escrow account had an extra {$2000.00} that was not needed. The extra {$2000.00} was for the school tax bill that they never paid and then marked it as paid. This is so frustrating. I got a late notice from the county that I now owe an additional {$210.00} late fee on top of my school tax bill. Im not going to pay a late fee on a bill that should have had the payment processed from my escrow account back in XXXX when I sent them the bill. Its now XXXX and they still havent paid the school tax bill and the extra {$2000.00} sits in my escrow account. I dont know what to do. I keep calling and they refuse to process the payment. This needs to be fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Back in XXXX my Grandma XXXX wanted to buy some appliances, I decided to help her apply for a credit card and she was approved for {$6000.00} with Discover for 0 % which made my Grandma very happy! 

We waited patiently for her card and once arrived, we activated it and then ran into a roadblock, according to my Grandma, Discover had called her and Discover had spoken with an unauthorized representative of my Grandma, who did not approve and thus further delaying her ability to use the card. We believe this triggered them into asking for length details of documents instead of speaking to the real account owner, Discover spoke with someone else and because of their negligence we're held responsible?! I don't think so. 

Then Discover never contacted us requesting for documents for verification, there was NO letter or call of any sort. Discover THEN felt it was okay to cancel my Grandmas account she was approved for? She has a XXXX score with no lates or any baddies, why is she being penalized?! 

We submitted the requested documents even close to where Discover jeopardize my Grandmas health by FORCING her to go to her bank during the COVID-19 Pandemic to get her paper notarized because Discover is incompetent and can't even complete a normal verification method of my Grandma. 

We submitted all her bank documents and the Discover papers over 30 days ago and no response again ... this is what they did last time and blame us!!! 

I've helped my Grandma call XXXX a million times and have provided everything they need yet they continue to neglect us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I sent out a debt validation letter not a verification letter to Wakefield and associates asking them for validation.The letter arrived on XX/XX/2018 at XXXX the law states that collection agencies must provide proof the debt they seek to collect is accurate and they have the right to collect it.I simply stated This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION.I insisted that they provide me with competent evidence that I have any legal obligation to pay them and Validation of the debt. Also stated If invalidated all references to this account must be deleted and completely removed from all 3 major credit bureaus of my credit file and a copy of such deletion request shall be sent to me immediately. Within 30 days of me sending the letter they responded with a letter but it did not validate the debt in no possible way to prove I owe it or them. Now I'm taking the next step to get this inaccurate and non validated collection from hindering my credit file.

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 2020-12-02
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX was asked for varification which I never received. XX/XX/XXXX said it was verified with all the errors on report. XX/XX/XXXX saw dates were off balance study collecting interest. A collection shall not collect late fees once it hits credit report. XX/XX/XXXX mostly at fault due to not investigating correctly.

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 2020-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello my name is XXXX XXXX on XX/XX/2020 my claim number is XXXX I contacted Bank of America after realizing my card was not in Possession I contacted the bank told them to send me another card after seeing transactions on my account I was then told to contact the claims team after the transactions posted I then contacted the claims teams for those transactions, I find it unfair to me as a customer to know that I can not count on Bank of America stating that they can not find fraud after me calling Bank of America to let them know that my card was out of my possession I have another bank account that I'm normally transferring money into and using so sometimes I don't even use my Bank of America card I also have a XXXX XXXX account so I am confuse and how Bank of America can't find fraud on my account Bank of America can't determine that my card was lost and also to tell me that my spending habit is the same As the person who use my card that not right at all that is hurtful and disgusting as a company and after my claim is approved I will be closing out my account you guys are horrible at all protecting my 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 explanation
Consumer complaint received 2020-07-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2020, i was attempting to find possible student loan refinancing with Citizens Bank. 
Initially, they required tax documents from the previous two years. It was not my understanding that I consented to a credit check at that time. I did not see a consent form attached to their lengthy paperwork. They performed a hard inquiry on my credit. I was alerted by XXXX XXXX of this action. I am very upset with this procedure. 
It has had negative effect on my credit score. I contacted them via email XXXX and requested they withdraw this hard inquiry, but they refused. I am no longer interested in their offer. 
Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
XXXX account number XXXX shows Pay Status Charged Off but still showing a balance and a past due amount. 
XXXX XXXX account number XXXX shows Pay Status was Charged Off, but still showing a balance and a past due amount. JCP account number XXXX shows Pay Status Charged Off but also still showing a balance and a past due amount. 

How can there be a balance and a past due amount on these accounts when they were Charged Off?

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 2020-12-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Look once and for all I am a human sending this message. I am not a credit repair company lets make that clear. I am XXXX and this is the final attempt then I will litigate this situation. I have sent my utility bill, documents to prove my address and identity. Please do not insult my intelligence please. I wont repeat myself on the dispute that was sent a few days ago I will attach the pictures below. I wont continue to accept a letter or message saying that I am credit repair company. This will go into litigation if you dare to send me any message or letter saying that I am not myself this is XXXX XXXX. The date in my letter is from XX/XX/2020, second attempt to reach Experian my first attempt was in XX/XX/2020, I didnt receive any response prior, my last was contacting the CFPB because its been more than 90 days. I sent this through CFPB to keep a record if Experian tries to lie and say they never received any letters and documents. I also have the certified mail on record if you continue to play as if you are not receiving my letters and documents. I am a real life civilian not a computer or repair company please dont send me any bogus. Fix the issue and remove in the misleading and false XXXX you violated.

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 2020-08-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My place of employment has been closed since late XXXX and is still closed. 

We are having difficulty paying our bills, particularly our credit card debt. We have debt with Chase Bank on a Southwest Airlines Visa credit card. 

Chase continues to charge us what we consider to be the exorbitant and usurious rate of 15.99 %. We have never missed a payment and are shocked that they continue to charge such high interest when interest rates are at historic lows. We have called them several times ( the last was on XX/XX/2020. We don't recall the two times we called previously. ) to request a reduction in our rate during these tough times. Chase has refused our requests. 

Surely, you must have other constituents suffering the same fate. Is there any way you can intercede on our behalf and the behalf of others who must be in the same situation as we are with Chase? We want to pay our bills but Chase is making it exceedingly difficult to do so. 

Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: United PanAm Financial Corp.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
6 months ago after moving to NC I changed my cell phone carrier to XXXX and was assigned a new phone number : within days I received a phone call from XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Calif. - they asked to speak to a person I didn't know ( I don't remember the name of the person they asked for but it was not me or anyone that I know ). I explained that the person they wanted was unknown to me. The response was " if you see him tell him to call us '' then they hung up. 

They continued to call me on a weekly bases so I blocked their number - ( XXXX ) XXXX XXXX - within days I received a voicemail from : ( XXXX ) XXXX XXXX the message requested I call the 866 number concerning a financial issue. I did not call since I had already talked to them and they did not believe I was not the person they wanted. 

For the past month I have been receiving a daily voice mail from the same 800 number. This has become harassment. 

I have never done business with XXXX XXXX XXXX and do not have any loans on my cars - I do not have any financial issues with anyone I do business with. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Bread Financial Holdings, Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 - My mortgage was sold by XXXX XXXX to Rushmore Loan Management Services XX/XX/2020. Two months ago I was able to create an account, sign in, make payments etc. Since then every time I try to log in their system fails to recognize the correctly entered log in and password. I've gone through the password reset process 3 times in the last 3 weeks and each time their system is unable to let me into my account. 
Issue - their website is trash, won't let user log in, unable to access their accounts. 

2. Since my mortgage was purchased by Rushmore Loan Management Services in XX/XX/2020, they have not been reporting to the credit bureaus that I have a mortgage and am paying on it. I called them XX/XX/2020, they said when they take on a loan there is a 60 day period where they do not report to the credit bureaus. I asked her when the 60 day period would end, she said XX/XX/XXXX. I asked if we were past the 60 days and therefore they should be reporting to the bureaus by now, she began asking me questions about my loan from before Rushmore had instead of telling me why Rushmore was not reporting my payment history to the credit bureaus. 

3- Rushmore Loan Management Services does not have an email address where consumers can ask questions or work on resolving issues. They have a phone number which has an upfront message explaining there are high call volumes and not quite verbally literate script readers with no ability to answer questions. 
They also have an online log in portal which is beyond broken and does not allow consumers to log in.

Company response to consumer: Closed with explanation