BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-04
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

I'll sue for the following if not removed.

1 ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have previously disputed this account before but i have an issue with their response. 

I've attached a response i received from Wells Fargo. 

My argument is still concerning the phone numbers and their attempts to contact me or XXXX. 

Their investigation dismisses our claim that the XXXX number, that they purportedly used to contact us, was wrong. They claim that it is listed on the application as a business contact and that is why it was transferred to our online account. 

If you look on the loan application that they included in the investigation, you will see that on Page 1 of 4, both mine and XXXX 's personal numbers are listed under " Borrower Information ''. 

The number that they claimed they used to contact me of the late status of my account is clearly in the " Employer Information '' section. 

I still argue that WFHM did not exercise due diligence or good faith in contacting me or XXXX about the status of our account. There is obviously proof that they could have obtained the correct contact information from our account or the loan application. 

I have provided enough proof to prove that Wells Fargo is reporting inaccurately and that the late 's need to removed from 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 non-monetary relief
Consumer complaint received 2019-01-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CHASE BANK CLOSE MY XXXX XXXX MASTER CARD THIS CREDIT CARD ENDING IN XXXX ON XX/XX/2018 I WAS TOLD TO CALL BACK WHEN I GOT A LETTER FROM CHASE CREDIT CARD SERVICES WHICH I DID TO SEE IF CHASE WOULD REOPEN MY CREDIT CARD. I WAS INFORMED MY CREDIT CRAD WOULD REMAIN CLOSED. ALL MY PAYMENTS ARE PAID ON TIME NEVER LATE .WHY IS CHASE BANK CREDIT CARD SERVICES TRAGETING MY ACCOUNT FOR CLOUSURE? ALL MY ACCOUNTS WITH CHASE ARE PAID AS AGREED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an account with Kohls/Capital one card which I have always had an outstanding payment history with them. In XXXX 2019 I went into the Kohls store located in XXXX NY to make a payment. They assured me all was well with the payment. it will post the day I paid which was prior to the due date. In fact that is not what happened they seemed to have had technical computer issues and never posted the payment. As soon as I was made aware of this issue I resolved it immediately. 

I also never received a notice in the mail in regards to my account getting a 30 day late which they are required to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: MA
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:
Good Morning ; Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report the wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-10-08
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My USBank Reliacard account has been locked since XX/XX/XXXX. It appears to have been locked as a security measure and I was asked to submit proof of ID via fax. I have done so several times and customer service over the phone is no help whatsoever. All of my money is stuck in the account and I have no access to it.

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 2019-10-12
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and DISCOVER FIN SVCS LLCwith no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RoundPoint Mortgage added force placed Flood Insurance Coverage that was backdated nearly 18 months, leaving a premium due of nearly {$4000.00}. After 7 months, this issue was resolved with RoundPoint reimbursing the Flood Policy Premiums, however I still wanted the NCCOB to be aware of this issue. According to documents, RoundPoint was notified by XXXX in 2018 of a change to our Flood Zone. The County Flood Plain Manager says that there was no change and we have documents to prove that. However, we did move forward with a LOMA application to formally have the home removed from the Flood Zone. After that, RoundPoint removed all of the force placed coverage and premiums. However, I have spent 7 months and over a thousand dollars fighting this issue. RoundPoint is well within their rights to force place flood coverage when appropriate, however the federal law indicates that force placed coverage must be within a 'reasonable time '. I don't find 18 months to be 'reasonable '.

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 2019-01-18
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a medical bill from XX/XX/2018. Nothing was owed at the time of service as instructed by my care providers. I never received a follow up bill in the mail and was not informed of an outstanding bill on my account which I would like to pay off. I received a call from RMP collections about two months ago - the agent on the phone did not state what company they were calling from, what the bill was owed for, that there was any option to dispute the bill, or even the name of the agent. They requested that I make payment via the phone immediately - I found this highly suspicious and asked that they send the bill to me via mail which they seemed very agitated about. A week later I received a barley legible copy of a financial report, here I was able to discern that it was for an unpaid medical bill. I called the clinic and attempted to pay explaining that I had never received the original bill, I believe they sold my debt instead however to RMP and I would like to dispute the bill. I'm happy to pay for the medical services but do not feel that the charges for RMP collections write off are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I have several times have requested Capital One and XXXX to send me documentation to how and who verified this account. I have not got any documentation but only computer generated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX I've conducted no business with these companies. I am sure these inquiries are errors.

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 2021-11-27
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: Reporting company used your report improperly

Complaint:
On XX/XX/2021 I sent Certified mail to XXXX XXXX XXXX, XXXX, Equifax, and XXXX about the 2 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS OF 15 USC 1692b ( 2 ) and 15 USC 1692 ( 5 ). I am demanding DELETION of this account from my consumer report from all 3 of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It is astonishing to me that my previous complaint ( XXXX ) was closed and deemed resolved on the basis of a completely unsubstantiated and UNRESOLVED response from the Mortgage Company ( Rushmore ),  without ANY feedback from me, as to my level of satisfaction. 
The response involves statements which are inaccurate, to which I am given no opportunity to respond, and the issues are in no way resolved. 
I am, therefore, re- opening this complaint and will continue to do so until it is resolved to the satisfaction of all parties concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: BANK OF THE WEST
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Complaint : Bank of the West has not provided the State of Ohio with funds for taxes and registration, or title for recreational vehicle purchased in my name on XX/XX/2021. Todays date is XX/XX/2021 Due to this delay I have had to purchase temporary tags for the vehicle and the tags have since expired. Bank of the West consistently conveyed unrealistic timeframes for loan approval process, and funds distribution post approval. 

I contacted Bank of the West through the XXXX XXXX Website to secure a loan to purchase a recreational vehicle from a private seller. The seller and I both live in Ohio. 

Working with Bank of the West was a pretty disappointing experience. My Loan Representative did not disclose realistic timeframes throughout the loan approval process and post approval. They delayed so long in fact, that I would was stuck working with them, or I would have to get another hit on my credit by moving my business to another bank. It was a classic bait and switch situation.

After months of delay after being approved for the loan Bank of the West did in fact come through with payment for the seller. However they have not yet presented the title and funds for taxes and registration to the State of Ohio. 

I have called too many times to count since acquiring the vehicle. Hold times range from 40 minutes to 1.5 hours. Often times I am disconnected without reason. I have been told I would be called back and no one calls. Absolutely terrible customer service all around, but now what they are doing is illegal. Holding funds that belong to the State of Ohio for taxes and title for over 60 days.

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 2019-05-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I have received the attached e-mail from Citi ( attached ). According to that e-mail, I had until XX/XX/XXXX to renew my XXXX membership to keep my Citi Credit card account opened. 
Yet on XX/XX/XXXX, I have received another e-mail from Citi ( attached ), that states that my Citi account has been closed. 
Citi dropped the ball here, obviously. They did not honor their own communication to me. They have closed my account. When I called them, and asked to talk to supervisor, they have mentioned that e-mail only gives me until XX/XX/XXXX to renew my XXXX membership in order to keep Citi Credit card opened. 
That is complete lie! 
Supervisor XXXX said that they have to Hard pull from my credit card in order to open Citi Credit card! They account that I had since XXXX! ( originally with XXXX XXXX, but Citi bought the XXXX accounts from them ). 

I demand Citi reinstate my credit card right away! 
E-mail is an oficial document. Citi should honor their own communication. 
Please reactivate my account as soon as possible. 
I do not want to get any Hard pull inquieries to my credit. 
I want same exact account reopened to keep my tenure on 10 years.

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 2019-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
All XXXX loans where placed in my bankruptcy 2017 due to a hardship. XXXX keep reporting to TransUnion and XXXX every month that I owe them when the accounts was closed at the Chapter XXXX bankruptcy hearing 2017. 
Transunion and XXXX  removes all the account after I submit the claim to yall, but only to replace the XXXX accounts back onto my credit report this month. 
XXXX has not responded in a timely manner to my complaint with yall submitted last month or to me speaking with them over a year ago. 
Why are the reporting I owes them money and the interest keep lower my credit score to the point it damaged my credit. Now I get find no apartment or place to live in my name. What is the reason they aren't following the LAW. 
Every month I dispute the XXXX accounts only to have them removed temporarily. Then XXXX reports what the want to about my accounts that false information to transunion and XXXX and they go and replace the inaccurate information on my Credit account at both Bureaus over and over again. Please have XXXX Stop reporting inaccurate information about my accounts which are closed. 
Thank you.

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 2018-01-24
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX, I tried to dispute a charge on my XXXX XXXX  from a company called XXXX. The charges totaled over {$20000.00} around the time of XX/XX/XXXX.

I think misunderstood my dispute because I got a letter denying my dispute claim for the reasons not being within the 60 days after suspected errors on my statement, However the problem here is not about an error, but instead the reason for my dispute is : I did not receive the product and services as was described to me. I find that not only did they misrepresent and not provide the services, they knowingly mislead me and coerced me in to giving them an outrageous amount of money to purchase the Platinum Ecommerce Website and Stage 3 Marketing Package because I was led to believe I would be getting a website with marketing that was superior to my current online business, yet it was completely under their control. I paid the hefty {$20000.00} for a XXXX site thats is worthless and horrible backend functionality. in the end it has cost me time and money ( due to lack of efficiency ) they have kept my money for a product they never delivered.

PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO OTHERS BEING DECEIVED!

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 2021-08-18
Company: CCS Financial Services, Inc.
State: PA
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. 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 3 Bureaus 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 Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Freedom Mortgage Company
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This month alone I have been contacted 3 times to pay my mortgage with freedom mortgage. I have ask them to stop repeatedly. My bill is due on the XXXX  and I have paid on the XXXX for the past 3 years. Every month. I get calls every constantly reminding me to pay. My mortgage is not late until the XXXX of the month. I shouldnt be getting this many calls from a company when I pay my bill and have for the last 3 years on time.

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 2018-08-24
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
COLLECTOR ONCE AGAIN VIOLATED FCRA-FDCPA AND TCPA BY CALLING MY MOMS CELL 11 TIMES. THEY PURCHASED SAID DEBT THAT WAS PARTIALLY PAID LAST WEEK.

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 2021-07-20
Company: ENCORE CAPITAL GROUP INC.
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: Information belongs to someone else

Complaint:
On XXXX XXXX & XXXX XXXX Midland Credit Management added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all shown. A bill without a signature does not validate the debt and anybody can send and say its mines. According to the FCRA, Midland Credit Management has violated rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation