BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-27
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: Account information incorrect

Complaint:
I had a HELOC with XXXX XXXX XXXX XXXX XXXX XXXX XXXX that matured. I was making regular payments well above the minimum payment amount up to that point ( and continued to make payments in the same amount after the loan matured ). I didn't realize the entire balance of the loan was due until I called XXXX on XX/XX/XXXX after being charged a late payment fee on XX/XX/XXXX. 

While speaking to " Ms. XXXX '' ( she refused to provide her first name ) from the Mortgage Department at PenFed on XX/XX/XXXX, I told her that while I could drain my savings to pay off the balance, I preferred not to do that if there was another option that would not result in adverse actions against me. Ms. XXXX told me that if I refinanced the loan through XXXX, no adverse actions, including negative reports against my credit, would be taken against me while the new loan was being processed. Based on that information, I began the application process for that new HELOC at that time. 

While my new HELOC was being processed, my wife and I continued to receive delinquent notices for the old HELOC. I called XXXX 's Mortgage Department after receiving the first of those notices and, again, spoke with Ms. XXXX, who told me those notices were sent from an automated system that could not be turned off. Ms. XXXX reassured me that no negative reports would be made against my credit. 

My new HELOC was approved and funded at the end of XX/XX/XXXX. I, recently, discovered XXXX reported 30, 60, and 90-day delinquencies on my and my wife 's credit for the old HELOC. I called XXXX today and was told they would not reverse the negative reports because they were based on " accurate information. '' I was told this by the initial representative with whom I spoke and his supervisor, XXXX ( ID # XXXX ). I informed XXXX that my decision to refinance the loan was based on a bad faith negotiation on their part ( lying to me about not taking adverse action if I refinanced with them ), but she would not budge from her position. 

I asked to speak with someone above XXXX, and she advised she would have a manager contact me. I am still waiting for a manager to contact me, but I have little confidence that XXXX will do the right thing since they clearly lied to me in the first place ( Ms. XXXX also said she would put a request in the system to reverse the late payment fee and those fees, typically, would be reversed upon closing the new loan, but XXXX has since told me that was incorrect information and they refused to reverse that fee ). Basically, they told me two lies that led to my decision to refinance with them, and now they refuse to make any corrections.

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 2023-04-03
Company: EQUIFAX, INC.
State: TX
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:
XXXX : XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: WELLS FARGO & COMPANY
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Over the past 4-5 months, I have received 2 phone calls from what seems like different/separate entities, saying that I have a civil suit against me by Wells Fargo Bank, for apparently an NSF check that I never paid. The amount of check is {$890.00}, and both the entitites said that I will be served papers if I don't take care of the amount. 
The first caller said that they can settle the amount for {$1500.00} if I paid them over the phone at that time with a credit card. I did not give them any c.c. information. They then said they would send out legal papers. I have never received any. 

Friday XX/XX/19, I got another call. Same or similar story. They had left a message on my cell phone. I called them back. The first person I reached said that their business was a phone answering/message company. Did not give me the name. The second person I talked with said that this account is " XXXX XXXX. '' I asked who XXXX is. She said XXXX ( or some such first name ) and XXXX ( last name ). Same story, suit filed by Wells Fargo. They will serve papers, etc. I told her that I thought they were scammers and committing Fraud. I hung up on her. 

The only information I have is on the second caller 's phone number. I have nothing else from them about who they are/were and their business name, nor contact information. 
The phone number they asked me to call them back on is XXXX. They would not tell me the name of the supposed " telephone answering/message '' company. 
The phone number that they called in to leave me a phone message was XXXX. 

I did XXXX these phone numbers, and many people posted that they had been called with similar " debt collection '' language and threats.

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 2018-10-02
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX, I called Ad Astra Recovery Service to inquire about the collection item appearing on my XXXX Credit Report, after Ad Astra Recovery Service wrote a letter to the Consumer Finance Protection Bureau, dated XX/XX/XXXX, stating they sent deletion requests to the credit bureaus. I spoke with XXXX, a supervisor with XXXX, that stated, Ad Astra Recovery Service refuses to remove this collection item from my credit report, as they stated to the Consumer Finance Protection Bureau. XXXX states they never received the deletion request from Ad Astra Recovery Service. This company business practices are extremely unethical and in violation of the Consumer Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

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 2020-11-05
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 trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. US DEPT ED XXXX {$610.00} XXXX  XXXX {$15000.00} XXXX XXXX {$1700.00} XXXX XXXX {$460.00} US DEP ED XXXX {$550.00} US DEPT ED XXXX {$550.00} XXXX  XXXX  XXXX {$19000.00} XXXX  XXXX  XXXX {$170000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CITIBANK, N.A.
State: HI
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:
Accounts where open without my knowledge, which let me be responsible for paying back, I have been disputing these items for 2 years now I have send FTC reports, police reports but they have yet to removed. Also a few companies removed it from the bureaus for a few months and then put back on which is a violation of my rights. Accounts are closed but are revolving on my reports. 

XXXX XX/XX/XXXX ( {$940.00} ) XX/XX/XXXX {$1200.00} Macys XX/XX/XXXX 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 2023-04-02
Company: EQUIFAX, INC.
State: TX
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 writing to dispute a collection account on my credit report that has been reported by XXXX XXXX XXXX ( account # XXXX ). The original creditor of the account is listed as XXXX XXXXXXXX XXXX. However, I believe that this account is fraudulent and the result of identity theft. 

I have never had any business or financial relationship with XXXX XXXXXXXX XXXX, nor have I ever authorized any transactions or account activity with them. I have also never received any communication or billing statements from them. 

Upon reviewing my credit report, I noticed that this account was listed as a collection account by XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX and requested more information about the account. They were unable to provide any evidence of the debt and could not explain how the debt was incurred. This is further evidence that the account is fraudulent. 

I am requesting that the fraudulent account be removed from my credit report as soon as possible. I have already taken steps to report the identity theft to the relevant authorities, and I have filed a police report to document the crime. I have also contacted the original creditor, XXXX XXXX XXXX, to inform them of the fraudulent activity. 

Please find attached copies of my identification and other supporting documents to assist in your investigation of this matter. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Early XX/XX/XXXX I saw a {$4100.00} interest charge on my account, I contacted CareCredit/Synchrony Bank Customer service representative XXXX who said I signed a contract for a " Promotion '' in XXXX to allow a final balloon interest payment of almost {$4100.00}. I requested a copy of this final promotional disclosure. I waited but I never received statements or the charge disclosure outlining the promotion. I faxed this request as well Later in XX/XX/XXXX I called CareCredit again. Spoke to a very rude customer service representative named XXXX. She told me the Doctor who completed the procedure would have a copy of the promotional disclosure I signed, not CareCredit. She informed me the interest on the balloon must be paid in full in two days or additional charges would be assessed to my account. XXXX also instructed me to please stop calling for the same issue. 
I spoke to the Doctor 's office. They said they never offered a " Promotion '' nor have a copy of the promotion disclosure. 

I am XXXX XXXX XXXX and on a fixed income. I would never sign a disclosure with a balloon payment of almost {$4100.00} interest due immediately. 

CareCredit never gave me even the opportunity to decide on the promotion nor explained anything to me at the time of charge at the doctors office. 

I requested a copy of my statements as well as a copy of the signed disclosure from CareCredit/Synchrony Bank XXXX I requested my statements for beginning XXXX to present as well as a signed copy of the " Promotional '' disclosure in XXXX 

This is now my fifth ( 5th ) request for a copy of my statements beginning XXXX to present & a copy of the signed disclosure which discloses the " Promotional '' for services in XXXX. Please note, I had a XXXX balance on my account prior to XXXX. My payments were and are always on time or before the due date. Prior to the Doctor service in XXXX no balance was due.

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 2021-07-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I went in to a chase bank and opened an account, Everything was fine, I waited a week for my card to arrive in the mail and on XXXX XXXX I deposited my first check which was given to me by my employer. Chase decided to put my funds on hold and told me that it will not be available until XX/XX/2021. I called in multiple times to have my funds be made available but they told me that they needed verification from my employers bank so I spoke to my employer and he informed that the funds have already been withdrawn from his account however Chase told me that XXXX  XXXX XXXX does not allow verification over the phone and that my funds will automatically be released on XX/XX/XXXX. I received a letter in the mail on XX/XX/2021 stating that chase has decided to close my bank accounts without any reason at all on XXXX XXXX so I called them and they told me that they can not provide me with a reason and that this is decision that was made after careful consideration and that I will not be able to open up a bank account with chase. they refuse to release my funds so that I can withdraw my money. Now I have to wait another 2 weeks to receive a check in the mail after my funds become available. This has been a nightmare! I have never in my life experienced anything like this. I ' am very disappointed on how they handled me as a customer this truly has been the worse experience I have ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: ENCORE CAPITAL GROUP 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 have attempted numerous times to remove XXXX collections from my credit report with no luck. The accounts are XXXX, XXXX XXXX XXXX XXXX XXXX, and Midland Credit Management .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: LEXISNEXIS
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U.S. Bankruptcy Court XXXX XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents 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 non-monetary relief
Consumer complaint received 2020-09-11
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I bought my home with my VA loan and since then I refinanced it twice. Well over the years I been paying half of my mortgage for my primer home mortgage every two weeks. Well, since Mr. Cooper ( aka Nationstar Mortgage ) bought my last mortgage  company they claimed that I have miss paying my mortgage on time because their system is not equipped to receive my payment every other week. Therefore they charge me late fees but my original loan paper states that I am allowed to pay half of my mortgage every other week. Well, Mr. Cooper send a letter several times claiming they do not care and they require that I must sign a whole new contract with them before they even honor my original mortgage. 

On Tuesday XXXX XX/XX/XXXX, I received a letter dated XXXX XX/XX/XXXX from Mr. Cooper stating that my mortgage loan is in default again which is a total lie since several times a year they receive more then 2 payments in a month. Some months they receive 3 payments. Also each payment is actually more then half of my actual mortgage payment. The payment is actually {$50.00} more. 

My mortgage payment being made every other week is {$560.00} I filed a several complaints with the XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Texas and the Veteran Administration against Mr. Cooper ( aka Nationstar Mortgage ) each year since they bought my mortgage with no resolve but Mr. Cooper charging late fees. 

I done research that Mr. Cooper has a very low rating as to handling VA loans. 

Mr. Cooper address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: KEYCORP
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I attempted to close all of my accounts with Key Bank after they closed their local branch. I XXXX  out my accounts. They began charging maintenance fees and then taking money off of a checking plus ( credit line ) account without contacting me. They have now done this for several months and I was n't aware of any of these charges until I received a past due notice. 

I have called, the customer service rep said they would contact the branch to have the charges reviewed and reversed. It has been 10 day. 

My complaint is that I keep getting calls from an international service center on behalf of Key Bank. They call me on a known number with my account and then start asking me for the last 4 digits of my SS #, and when I refuse my address and DOB. There are way too many scams going on in the world for a reputable bank to be calling consumers and asking for NPI via phone. I 've told them this several times and they insist it is for my safety. I asked the one of the last CSR for her social security number, children 's names, and their DOB none of which she would provide. Point proven I thought, but then I got another call. 

Consumers fall prey to phone scams because legitimate banks use XXXX service centers and XXXX procedures for identifying customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: BARCLAYS BANK DELAWARE
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:
please check the following accounts that appear on my credit report, they do not belong to me, they are hurting me Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

11. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

15. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: 2288984 Ontario Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a XXXX XXXX loan in XX/XX/XXXX and have already paid more than the balance of the loan. I have come to some financial hardship due to high medical bills for our son. I called XX/XX/XXXX and asked for a repayment plan and told them that with my work contract I would be going with a three week period of no paycheck and they said they can't change the payment schedule and will need to pull the money out anyway knowing I won't be getting a paycheck. This will cause overdraft fees on my account.

Company response to consumer: Closed with explanation