BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Inquiries have reached the statute of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase bank has ability to investigate, what customers are doing online banking. They know what customer has looked at chase online banking. They said they know that I have looked particular page. Why would they find out what customers are viewing online banking ... 
Do they know what else I do online???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
In response to closed complaint # XXXX, the paperwork submitted by Bank of America does not validate the alleged amount owed ( {$880.00} ) on account # XXXX. On XX/XX/XXXX I spent an hour on the phone with XXXX XXXX ( Manager of XXXX XXXX Department ). I was informed that almost half of the alleged amount owed were bank fees. Is n't there a limit on the number of bank fees a bank can assess? Also, why were fees continuing to accrue when the last transactions were in XX/XX/XXXX? I have read of many class action suits where BOA was charged for excessive overdraft fees. Please revisit this account and delineate the fees from actual transactions. Also provide the bank 's policy on fees. Please be advised my next step is contacting a consumer protection lawyer.

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 2017-12-11
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I defaulted on a private student loan, XX/XX/XXXX arranged payments with the collection agency. Monthly payments of {$390.00} were made. 
XX/XX/XXXX the loan was sold to Cavalry Portfolio Services. Monthly payments of {$390.00} continued. I was to receive notifications in the mail to serve as reminders that payments would be coming out. 
XX/XX/XXXX. Receive notification of withdrawal. ( see attach 1 ) XX/XX/XXXX. A letter ( see attach 2 ) is mailed to my father ( co-signer ) saying please contact us to settle or set up payment arrangements for this debt. 
XX/XX/XXXX. Payment of {$390.00} is removed from my account. 
XX/XX/XXXX Father receives the letter ( see attached 2 ) regarding the account.He contacts me asking whats going on. 
XX/XX/XXXX I attempt to call to figure out whats going on. Cavalry is closed. It 's a Sunday. 
XX/XX/XXXX I finally get a hold of Cavalry. They tell me to ignore the letter- it was a computer glitch. They could see I have been making payments and an arrangement already. 
XX/XX/XXXX Payment of {$390.00} was withdrawn. No mailed notification was received. 
XX/XX/XXXX. Received an email from XXXX XXXX saying an account was removed. Log into my account and see that Cavalry removed the collection from my report. 
XX/XX/XXXX XXXX XXXX XXXX. Call made to Cavalry Portfolio Services asking why I never received a notification of withdrawal for XX/XX/XXXX and why the account was removed from reporting? The representative was a bit a of a loss and did not respond confidently. She stated on their end a notice was sent out on XX/XX/XXXX and described the envelope. I told her I knew what the envelope looked like because I save them all for my records. She then that the credit reporting time had expired but the statue of limitations was still in place. She then told me she turned off them Automatic withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
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 tried to update my social security on my Experian account but was unsuccessful. Two incorrect SSNs were listed, and the correct SSN was not listed.

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 2019-01-28
Company: Mr. Cooper Group Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mr. Cooper is the primary mortgage lender for our house. My wife and I filed for chapter XXXX bankruptcy in XX/XX/XXXX and received our discharge for completing the plan in XX/XX/XXXX. In short while under protection of the bankruptcy court, Mr.Cooper has reported that we had late or missing payments from XX/XX/XXXX through XX/XX/XXXX on our XXXX credit report. At no time in the 15 years that they held our mortgage, were we ever late or had missing payments. 

We have made several phone calls and logged many hours trying to resolve this issue with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit 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 2020-12-03
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:
There are two XXXX  cards reporting on my credit report. I saw this after pulling my report on XX/XX/2020. These two accounts are not mine. I have never applied to XXXX or used any of their credit card services. The account reporting in my name is either a mistake or fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed charges to my credit card in XX/XX/2020. The dispute department at Chase is not functioning I assume due to the work from home aspect. Over two months I was forced to submit the details of my dispute on four different occasions, two of which after a dispute representative confirmed they were received and were being reviewed. I was informed by Chase in XX/XX/202 that the dispute was settled in my favor as the merchant did not respond to their requests for information. I then received another bill for the charges two weeks later and called in and was told my evidence was never received. After trying to elevate, I was told that a letter to re-open the case needed to be faxed. I went to the local branch and had them fax/e-mail the letter to the dispute department and the executive offices. XXXX, a manager at the branch proactively called me and confirmed he read the issue and was going to take care of the problem, it was ridiculous and he would have it taken care of through a " branch resolution '' confirming not to worry about it anymore it was settled. In XXXX I received another letter requesting evidence for the dispute ... I called the executive office representative 6 times and left messages that were never returned. I elevated to executive CS manager who called me on XXXX took all information, confirmed call back number three times as they had the incorrect number and committed to investigating and getting back to me asap, I have not heard back from them to date. Today we received a bill for the charges plus penalties and interest. After we were told by the branch manager it was resolved we discarded our file and now have no way to pursue the merchant as our bank refused to complete any form of investigation or honor their commitments. My wives income disappeared with the complications of Covid and we could really use your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Bk does not belong to me and it's ruining my credit.

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 2017-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried on numerous occasions to contact Bank of America, XXXX, XXXX & XXXX to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example XXXX tells me that Bank of America has to fix it but then Bank of America tells me the opposite. It is extremely difficult and frustrating to even try to get someone at Bank of America to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven (which they actually did forgive) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as $XXXX on my credit report which it does). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the Bank of America customer service agent I pulled my credit report. I was happy they kept HALF of their promise (as was required by law) and my balance was $XXXX. But the late payments were still showing (and are still showing to this date) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in Bank of America's system and that it would be fixed.Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting Bank of America. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. Bank of America (as well as these credit agencies) are affecting people's lives and making promises that they don't keep. I believe that Bank America should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.

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 2023-06-15
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:
HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09
Company: CBV Collection Services Ltd.
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Recently a this company has been spam calling me and texting me, making threats against my Credit and continuing to contact me after requested not too. Over mulitple expired debts. They claim I owe over 600 $ for a phone bill with XXXX. I and over 1000 $ for a phone bill with XXXX and making threats that they will attack my credit score to intentionally drop it to damage my life if I do not pay. They have called and texted me multiple times everyday for the past 3 weeks since XX/XX/XXXX to XX/XX/XXXX. Even after being requested to stop all contact around XX/XX/XXXX. Thus many Laws have been broken by this company, and they keep trying.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Franklin Collection Service, Inc.
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:
Franklin collection claims I have a debt with them when I have not done any type of with them or any one associated with them. balance. I asked them in writing to provide me with proof of this debt but they did not respond or provide any evidence. By not replying to me in a timely manner to my initial letter on XX/XX/18, they have not only violated federal and state laws, but you have also failedto provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Therefor they should immediately request that this erroneous debt be deleted by all credit reporting agencies or I will be forced to this wrong doing to the attorney general, the XXXX XXXX XXXX, and finally I will file a small claims case where they will have to report court to defend themselves at my local court. Be aware I have been keeping a close record or all correspondence should they keep breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Southwest Credit Systems, L.P.
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: Information belongs to someone else

Complaint:
inquiries : XXXX -date FRAUDULENT ACCOUNTS ; -XXXX   XXXX  XXXX  -DATE XX/XX/XXXX -AMOUNT XXXX ACCOUNT #XXXX

-XXXX XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX -AMOUNT {$340.00} -ACCOUNT -- XXXX  ( ORIGINAL CREDITOR IS XXXX ) AMOUNT {$850.00} -ACCOUNT #XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: CITIBANK, N.A.
State: MI
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: Was not notified of investigation status or results

Complaint:
CITIMORTGAGE INC Failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw

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 2020-10-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Sometime on or before XX/XX/2020, we submitted a loss mitigation application seeking to retain our property. Wells Fargo didn't respond to our request until XXXX XXXX. See email correspondence between our legal counsel and the banks representative attached hereto. The email correspondence also reflects Bank 's counsel apologizing for the delay. The denial is dated XXXX XXXX although received on XX/XX/2020, and according to the document a homeowner may appeal within 20 days from XX/XX/2020. It appears on its face in that Wells Fargo Home Mortgage have engaged in Florida 's Unfair Business Practices. Denial letter must be sent within reasonable time so that a homeowner have the opportunity to appeal. In our case Wells Fargo provided notice of denial two months after its expiration so that there's no change to appeal. In addition, Wells Fargo failed to process the application accordantly as they failed to include all financial information provided to them. The denial reflects an allege monthly income in the amount of {$4800.00} when in fact our monthly income {$7600.00}. Wells Fargo didn't not include all of our income because it would have trigger an approval instead of a denial. These actions goes to the heart of Florida 's Unfair Business Practices.

Wells Fargo is a fraudulent servicer and everyone knows that expect for the Consumer Financial Protection Bureau. At this juncture we ask that you investigate this case and come up with a RESOLUTION it evident that Wells fargo have engaged Unfair Business Practices.

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 2019-01-28
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attached are copies of statements from XXXX and XXXX as well as statements saying I owe XXXX XXXX. However, I have documentation that XXXX has no proof of a contract with my signature, no video surveillance of me submitting an application or phone recording of me applying for an account. Same is true for XXXX! 

I have asked them same of XXXX XXXX  : Proof they have a signed contract by me, between me and XXXX XXXX, a video surveillance of me submitting an application or a phone recording of me applying for a line of credit with XXXX XXXX. They have not been able to do so. They keep sending me statements. 

Under the FCRA, this is NOT Validation of a Debt. This is false reporting and not reporting 100 % accurate by any company as they have NO PROOF these are my accounts.

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 2018-03-09
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 paid for my credit report and it had incorrect information about who I work for, who I owe money to and several other issues. I had to send so many documents to Equifax to prove that I am who I state and letters showing what was listed incorrectly, that the postage for this envelope was almost {$10.00}. 

I never received a reply from Equifax. I did get credit reports from the other two credit agencies that simply showed that I dispute my credit report. 

How do I get someone on the phone and get the information corrected? 

Why do I have to pay to review my own report to see if Equifax made the corrections?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday, XX/XX/XXXX, I received information from Chime Bank ( Backed by XXXXXXXX XXXX and XXXXXXXX XXXX ) that my account had been put on hold due to a suspicious transaction ( $ XXXX sent from my XXXX checking account to my Chime checking account ). These are my savings and I transferred them as I was switching savings accounts. I gave in all the information about this to Chime on the XXXX ( 3x form of Identification verification, bank statements, pay proof, complete explanations for the transactions ). When they requested another transaction of a smaller amount to e explained, I sent proof I was the sender and intended recipient an hour later. I was informed they would review my account and get back to me within 2 business days. I still have not heard back about my account. I do not have access to my bank account, it is the end of the month and I have rent, and credit cards due. I have called and emailed multiple times with promises my account would be reviewed, yet this still has not happened.

Company response to consumer: Closed with explanation