BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open are open. lease remove these accounts from my report as soon as possible. They do not belong to me. XXXX {$470.00} XXXX XXXX XXXX XXXX {$220.00}

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 2020-12-11
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Good morning, I applied different cc disputes against the same merchant for the same reason. All the disputes i have applied were closed by citi in my favor with 100 % refund except one. The one testi d still pending, Citi claimed at first that I have been refunded by the merchant which was not the case. Then citi stated that I did not submit the documentation which is also not the case. Now they are claiming that the date is past to make the claim. When I call I am passed from person to person and each one has a different reason for why the dispute has not been settle. Citi seems unwilling to resolve the final dispute and keeps putting me off after repeatedly attempts to have this resolved. It has been since XX/XX/2020 that I have been trying to explain and provide detailed information and proves about this dispute to citi

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open are open. lease remove these accounts from my report as soon as possible. They do not belong to me. XXXX {$470.00} XXXX XXXX XXXX XXXX {$220.00}

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 2018-03-31
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am trying to contact ideal Collection Services for the past week. I am trying to move and was advised there is an outstanding balance with the previous apartment complex and ideal is the collection agency handling the debt. I have left message with a XXXX XXXX. This debt is preventing me from getting a new apartment. I would like to handle this issue as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX or XX/XX/XXXX - My XXXX Unemployment/Pandemic Government benefit Visa Debit card ( Card # XXXX XXXX was charged XXXX $ in one fraudulent transaction by a *XX/XX/XXXXXXXX - After attempting to resolve the dispute in a gentle and respectful manner directly with the merchant ( XX/XX/XXXX ) and being denied - i continued the process with the Issuing Bank XXXX Bank Of America XXXX and then furthermore - with the Employment Development Department of California XXXX It has been months and I have exhausted every channel available to me. I have not received ANY reinbursment - AND my Card was Frozen and Shut Down due to the investigation and I have not been able to activate a replacement OR RECEIVE ANY OF MY FUTURE PAYMENTS - For 2 months and counting now. 

So i lost XXXX $ in the transaction as well as time and gas and money researching it etc etc and now have no card to get paid. 

I initiated my formal dispute with BofA on XX/XX/XXXX via phone call AND email " XXXX '' which THEIR site suggested. 

I am at a dead end ... 

Thanks! 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA 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 2018-10-03
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX I have had a mortgage on my home a few years ago the mortgage was taken over by a company known as OCowen XXXX XXXX XXXX, XXXX XXXX XXXX, Florida, XXXX. I have never missed a payment and in fact make additional payments so that I can pay it off early. This was not a problem until XX/XX/XXXX. When I went into the company website to make an additional payment I found they had changed things and any additional payment would cost me {$7.00} for each payment. This is insane I want to give them money and pay off my mortgage sooner and they want to charge me? This is so wrong and needs to be stopped.

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 2018-07-12
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I put in a complaint maybe a week ago transworld systems Inc. Were calling and harrasing me from different numbers now they are calling impersonating an I.R.S. agent saying I owed them money and they were filing a case against me to call in and rectify the situation ... the first time I called they didn't say anything the second time I called they had a promted opening this is the IRS I am agent so and so to the end of the conversation so I asked them to pull up my XX/XX/XXXX & XX/XX/XXXX  taxes so they hang up I have the number they called from and the message they left. This is outrageous I don't owe the debt so they are going to these lengths and tactics to get me to agree to the debts so uncalled for and I would like some resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT COLLECTIONS ACCOUNT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
Greetings, This is the second time I had to file a complaint with the CFPB on HSBC! This financial institution sent me and the IRS a 1099-C for cancellation of debt after previously sending me to collections while under bankruptcy protection. This account was discharged in chapter XXXX bankruptcy in XX/XX/2020 ( XXXX )! They sent a letter of apology about the collections issue, but now they are informing the IRS I have additional income! UNACCEPTABLE!!! This is ILLEGAL YET AGAIN and goes against current bankruptcy code and the intent and and spirit of the bankruptcy code laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The servicing company hold money and does not apply monthly payments until it wants and has charged more than XXXX in fees for services. They say no lates so these fees are excessive. I do not know why XXXX XXXX XXXX sold loan to them. But this is very bad service. See documentation for information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT COLLECTIONS ACCOUNT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2020-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Hello, I had three incorrect charges posted by XX/XX/XXXXXXXX to myXX/XX/XXXX XXXXBank of America Visa. After several attempts at calling both XX/XX/XXXX and Bank of America I was finally, months later, able to get those charges reversed. However, there are 2 30 day late payments showing up on my credit report and I've paid 2 late penalties while waiting for the charges to be reversed. 


I should have some protections as a consumer in that I should not be penalized for balances that were factually incorrect, and the late penalty marks on my credit score seem quite unfair given the circumstances. 

This card had aXX/XX/XXXXbalance before these charges and it is my lowest limit credit card, one that I rarely use but I maintain only as it is my longest standing credit account. I've been a card holder of this card for 16.5yrs ( opened it in XX/XX/2004 ). 

Now unfortunately this is impacting my ability to obtain a jumbo loan mortgage to buy a home for my family, even though the amounts in dispute were less than {$100.00} and were in fact reversed. 

Bank of America has been completely unhelpful in this matter, putting the onus on XX/XX/XXXX even though they are partners on this credit card. 

At the end of the day, this is just a timing issue - it was an incredibly frustrating process trying to get my inaccurate charges reversed and because they were reversed in billing cycles beyond the initial posting date this issue was created. 

I have great credit otherwise and can provide supporting financial documents proving that I am certainly capable of covering my financial obligations. 

I am happy to work with you or with Bank of America to resolve this. 

Thank you, 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 monetary relief
Consumer complaint received 2020-05-14
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 I reached out to XXXX  in regards to a collection account reporting a {$0.00} balance, on a {$0.00} loan amount. All they stated was the account was verified. 

This account has not budged to be removed from my report, with XXXX being the original creditor. 

I reached out to XXXX, and they stated they couldn't help me because if there's an account reporting with Convergent Outsourcing, that means Convergent now owns the account. 

My issue with all of this is, WHAT ACCOUNT?! I've never been a XXXX customer. I asked XXXX for the information given to them to open the account, they stated Convergent would have to be the one to provide it to me.

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 2018-05-12
Company: EQUIFAX, 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:
The credit reporting company has stated that my account for XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/2017-XX/XX/2017. 1. Where is the proof? 2. Why is this account being updated?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: SECURITY FINANCE CORP
State: OH
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:
XXXX XXXX XXXX reported on my inquiry XX/XX/17 on my XXXX  I did not apply to this creditor nor give authorization. I called both creditor and XXXX to have it removed from my inquiry no action was taken.

XXXX XXXX reported on my inquiry XX/XX/17 on XXXX   again I did not apply with this creditor nor give authorization. Called creditor and XXXX to have it removed from my inquiry no action taken.

XXXX XXXX this was reported on my inquiry twice same day XX/XX/17on XXXX and XXXX. Did not apply to this creditor nor authorize for credit. Called XXXX XXXX  and XXXX and XXXX to have them removed no action taken.

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 2020-07-15
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I book a flight to XXXX XXXX in XXXX, which was subsequently cancelled by the airline. I paid with rewards points from my Chase Sapphire Reserve credit card. As the airline cancelled the flight I was eligible to receive a full refund. I called Chase to confirm this and they agreed and indicated that it would process automatically. It didn't and I called them again in XXXX to see what was happening and they encouraged me to wait another billing cycle. Again, it didn't automatically process. I called again at the end of XXXX and Chase indicated that they called XXXX, and confirmed the refund was received and that it would process in 1 to 2 billing cycles. It has been two billing cycles and I have yet to receive the refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: Allied Collection Services, Inc. (Nevada)
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed two complaints with CFPB # XXXX & XXXX in regards to a XXXX debt that did not belong to me. The collection agency XXXX XXXX and/or XXXX XXXX company could not validate the debt ; or provide the documentation I requested when I mailed a certified letter and disputed this debt. In turn the debts were removed from my XXXX credit report on XX/XX/2020 & removed from my XXXX credit report on XX/XX/2020. 

The XXXX debt has now reappeared on my credit report from a new collection agency named " Allied Collection Servic XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. '' Which should have never re-reported back onto my XXXX and XXXX   credit reports with a new collection agency. XXXX failed to validate the debt and by law they have to remove this account and no longer report ; by law they can not keep collecting on a debt that DOES NOT belong to me.

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 2018-03-02
Company: EQUIFAX, INC.
State: TN
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 didn't authorize the following inquiries : XXXX XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XX/XX/XXXX Finance other than personal INFORMATIVE XX/XX/XXXX Miscellaneous and public record XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it. 

XXXX XXXX XX/XX/XXXX This account has never been late. Have them to provide proof. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This account was never late. Have them to prove it. 

XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently inquired at various banks and direct lenders about taking out a HELOC to help pay for renovations on an investment property. I was put on a robo call list for Loan Depot after I made an inquiry on XXXX online. I was specific about my HELOC product when I filled out the initial screener questions from XXXX. 

I spoke to a representative from Loan Depot on XX/XX/18. I again reiterated with the screener that I was interested in obtained a HELOC on a rental property to pay for renovations. He assured me that was not a problem and would hand me off to a licensed individual with their company to ask a few more questions. 

I was then put into contact with XXXX XXXX XXXX XXXX Licensed Lending Officer NMLS # XXXX Phone : ( XXXX ) XXXX email : XXXX We spoke on the phone at length and he asked a few more questions about my goals and personal information for the online application. A no point did he clearly state that he was applying for a new mortgage on my rental property and never discussed that his company does NOT offer HELOCs on rental/investment properties. 

Only after completing a hard credit check and then discussing the various options did I figure out he was only trying to price me out on a new mortgage. He never apologized and became very defensive when I stated that I was only interested in a HELOC and was upset that he wasted my time ( and credit check ) on something I was never interested in. 

I spoke to his manager later that evening ( who was much are respectful and responsive to my situation ). Ultimately, I do not know if this was an honest mistake or if this is the result of some underlying corporate drive push aggressive sales tactics ( a la XXXX XXXX ) or maybe due to some overzealous licensed mortgage broker who is gunning for extra commission ( XXXX XXXX ) or maybe even a combination thereof.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31
Company: Screening Reports Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My identity was stolen and the person who stole my identity was using my identity to get apartments and also try to get a loan in my name I was aware of the situation once an apartment complex said I owed them money for an apartment Ive never stayed in! I own a house as of XX/XX/XXXX. I have no reason to try to get an apartment! Its listed in my XXXX XXXX and XXXX  also as me trying to get an apartmentXX/XX/XXXX! I would like for all these inquiries to please be remove since it wasnt me who made these inquiries! I will attach driver license and police reports.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-14
Company: EQUIFAX, 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:
I was a victim of Equifax breach in 2018. My account and personal was used in fraud and has been reported on my credit report as debt owed. In addition, I have not been able to access my credit report with equifax or dispute these fraudulent debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
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: Information belongs to someone else

Complaint:
THIS COMPANY DISCOVERED A BREACH OF PERSONAL INFORMATION ON XX/XX/XXXX AND DID NOT REPORT IT TO THE PUBLIC UNTIL XX/XX/XXXX. MEANWHILE THERE IS SOMEONE PUTTING INQUIRES ON ALL MY CREDIT REPORTS BECAUSE THEY HAVE MY INFORMATION AND THE COMPANY HAS FAILED TO INFORM ME OR ANYONE OF THAT MATTER. IT TOOK 6 WEEKS FOR MYSELF AND OTHER CONSUMERS TO FIND OUT, WHILE IN THE MEANTIME CREDIT REPORTS AND SCORES ARE BEING AFFECTED. ON TOP OF THAT IN THEIR FINDINGS 3 EXECUTIVES DECIDE TO SELL THEIR SHARE OF THE COMPANY AND PROTECT THEMSELVES AND OUR PERSONAL INFORMATION HAS BEEN COMPROMISED. I ALSO FOUND A NAME ON MY CREDIT REPORT AS A COBORROWER OF WHICH I HAVE NO KNOWLEDGE OF BY THE NAME OF XXXX XXXX. PLEASE REMOVE THIS NAME FROM MY FILE AS WELL.THESE UNAUTHORIZED INQUIRIES SHOULD BE REMOVED FROM ALL THREE OF MY CONSUMER REPORTS IMMEDIATELY - 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 OF MO ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXL ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX OF ; XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX I ; XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX CA.

Company response to consumer: Closed with explanation