BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: AZ
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is to obtain a return for money wired through Chase Bank by me, XXXX XXXX, on XX/XX/20. The amount wired was {$2500.00}. I spoke with a bank executive and he recorded the details, then said I would be notified by mail if they could help. I was never notified. When I went to the bank to ask them about it, they said they would not be able to help me any further. I feel like they could have done more to help me. 
The money was sent from a request of a scam artist. I, did not know that it was a fake anonymous person. That's my complaint and I'm sorry for the inconvenience but I'm still would like to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company bought a debt that has been disputed and removed from my credit reports. There is NO CONTRACT or any evidence bearing my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This agency is attempting to collect a debt that is fraudulent from XXXX that i have ocular proof of fraud and have filed a complaint with the FTC on this fraudulent activity on XXXX and a previous debt collector and now XXXX has sold the debt as if it is valid and not corrected the fraudulent charges which were specifically prohibited by the signed contract XXXX XXXX 2009. This new agency has reported this issue as a new and valid debt and I have no contract with this agency. I have not been notified of any debt by this agency and I do not have any business with this company and refuse to do business with anyone who presents fraudulent charges as true. I never contracted with this company and have no business with them and do not intend to do business with any company that partakes in fraud by passing debt that has been proven to be fraudulent XXXX was the original creditor but they were advised and shown the fraudulent and false activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX i opened an account with pnc bank. PNC initiated an ACH for XXXX to fund the account. The money was pulled from my bank account with XXXX but never ended up in my pnc account. I contacted PNC multiple times and they have not been able to give me an answer on where the money went. They said that they recieved the momey then transfered it back to my XXXX account via ach and gave me a trace number. They also told me on my next call that they never recieved the money. Its XX/XX/XXXX and they still have not been able to find out where the momey went.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
ON MY EXPERIAN CREDIT REPORT I HAVE MISSED SPELLED NAMES AND ADDRESSES THAT DON'T BELONG TO ME NAMES : 1. XXXX XXXX XXXX 2.  XXXX XXXX 3. XXXX XXXX ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX  XXXX FL XXXX 3.  XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX, FL. XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PHONE NUMBERS : 1. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( 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 non-monetary relief
Consumer complaint received 2018-05-04
Company: Ocwen Financial Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I was XXXXyrs old my mom had me cosign a mortgage with her in XXXX. Years later she defaulted on her payments because she went on XXXX. In the process she was trying to get the loan modified, I put a quit claim deed on the house because I never lived in it as I was advised to do so by the company ( I live in XXXX  ). While the modification was getting approved Ocwen told her not to make the payments. I never signed modification, I never in my life made payments, the company will not speak to me being that I am not on the modification yet they have and are reporting Me to the credit bureaus and have ruined my chances of many loans including a VA Loan with my husband. I have hired several companies to help fix the issue, but they haven't had any luck. The modification strictly states that only my mother is listed as owner/responsible party. They need to remove the account from my credit or remove the late payments completely.

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 2020-02-05
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received information on my credit report of MIDLAND FUNDING LLC reporting unknown collection account on my credit file, to collect an alleged debt that I know nothing about or owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: Reach Financial LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Since XXXX, I had been paying XXXX XXXX XXXX monthly to help me pay off debt. On XX/XX/XXXX, I received a phone call from XXXX stating that since I was good about making payments, they recommended that I speak to Liberty Lending who would pay of my remaining debt and I would start paying them. 

After speaking with Liberty Lending, I pointed out that I didn't like the XXXX XXXX interest and I specifically asked that if I signed, if I could back out of this agreement. They have this on a recorded phone call. He told me the loan process would probably start XX/XX/XXXX or up to XXXX days since when we spoke and that I had XXXX  days to cancel. I was under the impression that I could cancel. 

After the phone call, over the course of a week, I discussed this opportunity with a family member and also my best friend. My best friend told me that they could lend me the remaining amount so I would not have to worry about the high interest. The following week, I called them to see about canceling the loan. They told me to call XXXX XXXX XXXX. XXXX XXXX XXXX said it was out of their hands and that the process had already started, meaning that they had already started paying my debt. They told me to call back Liberty Lending, which I did and they told me there was nothing I could do because the process had started. She said that within days ( not specified ) that the process would be finalized and I would get an email. I then asked for the loan agreement and it never got sent to me. 

This past week I got the finalized notice via email and I have been going back and forth between XXXX XXXX XXXX  and Liberty Lending trying to get answers as to why this happened so quickly and why it happened without my ability to cancel. I also expressed how upset I was that XXXX XXXX XXXX literally threw me to the sharks so I could pay almost XXXX extra on debt that I was trying to pay down. 

I never had a fighting chance to get out of this loan. I felt extremely pressure the first day I spoke to them and I should have listened to my instinct. They misled me and in my opinion were highly unethical to do this. Now, I am stuck paying an additional {XXXX}. XXXX where if I had stayed with XXXX XXXX XXXX, I would not have to pay that. This is not right, it's not ethical at all. This should not be legal but people get XXXX every day apparently. I should have been able to cancel the day I called to cancel, which was less than XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed this account with XXXX and they got so mad that they keep charging for a late fee on XXXX of this year and I called to make sure I paid the hole thing but they told me {$18.00} dollars and few cents but next month they claimed again there was another late fee after I paid the {$22.00} XXXX they claimed was for the late fee then next month they send me another called late fee plus XXXX dollars they claimed I was short of so I paid XXXX XXXX plus XXXX dollars makes {$24.00} XXXX then on XX/XX/2019 I paid XXXX plus XXXX dollars interest now this month they send me another late fee XXXX I called my bank and they advise me to get un touch with you because this bank is fraudulent taking advantages of me I called Comenity bank bit firs they claimed that they never got the payment on time even that I paid in them meddle of the mouth manager XXXX and she did not care she told me that this conversation was going to be recored witch I well come because there is not any purchase since XXXX and the keep pushing a balance but as last time we tried to fix this issue they don't care

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
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: Old information reappears or never goes away

Complaint:
Equifax failed to remove a collection account that was previously removed in an investigation a few years ago, I submitted a dispute about the account but they did not fix it or explained to me how it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received this letter from this company demanding that I pay them for services that they never rendered to me. I never signed a contract with this company. This is the 3rd time that a collection agency has tried to get me to pay this alleged debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: E Mortgage
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been a victim of scams from this modification program at XXXX. Loan # XXXX. XX/XX/XXXX ... down payment of XXXX and monthly payment of {$790.00}. XX/XX/XXXX ... down payment of {$1000.00} and monthly payment of {$540.00}. XX/XX/XXXX ... down payment of {$800.00} and monthly payment of {$590.00} ... that's a total of {$4000.00} ... on down payments ... '' BUT '' XXXX offers loan modification assistance free of charge ... no modification fee required. These down payments engaged in unlawful collection and servicing practices. Use " Robo-Signing '' and fraudulent court documents to evict ... property at XXXX XXXX XXXX, XXXX, NC XXXX ... after living at property for 15 years. I also filed a complaint on XX/XX/XXXX with the Federal Trade Commission. Ref # XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: GA
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:
There are incorrect information and accounts reporting on my credit file : Please remove inaccurate personal information : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX ( XXXX ) The following is reporting as a result of Identity Theft/Fraud : XXXX XXXX XXXX - Open date : XX/XX/2017 Bal : XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-07-14
Company: Concord Servicing Corporation
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX, I hired an HVAC company called XXXX XXXX to replace our AC/furnace. They offered financing through a company called XXXX XXXX XXXX ( XXXX XXXX, IA ). The interest rate I agreed to and that is clearly indicated in the handwritten proposal/contract I signed on XX/XX/XXXX was 9.9 % fixed after 12 months with no interest. 

On XX/XX/XXXX I received notice that XXXX XXXX had sold/transferred the servicing of my account to Concord. In XXXX of this year I finally went online to check the account and saw that Concord has been charging me 11.95 % interest. I emailed to request a correction and was sent a typed contract ( a " Copy of Original '' ) that I had never seen before and did not sign, although there is a XXXX XXXX XXXX Facts '' / '' Disclosures '' page with my signature on it. ( This page includes my name printed by some other than me. ) Key to the issue is that this contract indicates 11.95 % interest rate on the terms page ; however, the original handwritten contract is included as the last page, and it clearly shows the 9.9 % rate. Again, I did not sign an agreement for anything but 9.9 % interest. This company is engaged in fraudulent activity, specifically apparently electronically forging my signature after creating a sham contract that does not reflect the handwritten agreement I signed with the XXXX XXXX sales agent present in my house.

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 2016-08-13
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
were locked out our online banking account w/o notification. KeyBank has a new webpage and did n't advise its customers. We did not receive any notification and thought the site as a phising scam site. So we did n't logged in and tried to log in again and were locked out. We tired to call and waiting twice once 25 minutes and then 20 minutes no customer service available. XXXX saturday XXXX. Called local branch and manager-XXXX ny was unaware of new webpage and also locked out of her account. We are concerned and alarmed about our money and This has caused XXXX not knowing whats going on? KeyBank has failed to advise customers of changes and customer service is unavailable to rectify my issue. KeyBank arrogance snubbing their nose at regulators and its customers is concerning and alarming.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Experian Information Solutions Inc.
State: OH
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:
I have attached letters with this complaint. 

First of all - both Experian and XXXX failed to re-investigate the dispute as requested. They apparently said that they are " allowed by law not to re-investigate '' which is straight out a lie and very deceitful ... 

According to Section 1681 - they have to re-investigate the items that I've attached and remove them immediately. They have the burden of proof and need to provide me with everything that I need in terms of accuracy - which includes documentation bearing my wet ink signature :

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 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ON MY XXXX CREDIT REPORT I HAVE MISSED SPELLED NAMES AND ADDRESSES THAT DON'T BELONG TO ME NAMES : 1. XXXX XXXX XXXX 2.  XXXX XXXX 3. XXXX XXXX ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX  XXXX FL XXXX 3.  XXXX  XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX, FL. XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PHONE NUMBERS : 1. ( XXXX ) XXXX 2.  ( XXXX ) XXXX 3. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( 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 2018-02-21
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am elderly person that is trying to keep his home, I have tried numerous times to submit a loan modification package, but my mortgage servicer Caliber Home Loans underwriter has made my process impossible. Hiding behind guidelines just to delay my loan modification review. I provided a fully package back on XX/XX/XXXX, then my servicer stated that they need 30 days to review, I was supposed to received an answer on XX/XX/XXXX, but instead the underwriter requested pay stubs for someone that has nothing to do with my mortgage since I provided a quit claim deed. But the underwriter never looked at this. By requesting this he or she was able to go on with the holidays. By the time they figured out that what he or she requested was not needed, 30 more days passed by and I was falling deeper in debts since they are adding all type of fees on top of my mortgage. I went to court again on XX/XX/XXXX and a day before my settlement conference, they underwriter stated that my pay stubs were fraudulent and requested more pay stubs. I went to court with my most recent pay stubs and provided them to the court. The bank attorney did not want to take the pay stubs, but instead to fax them or email them to Caliber Home Loans. I sent my pay stubs to Caliber Home Loans, they told me that it will take 5 to 7 days before these information shows up on their system. By the time they looked at my pay stubs, all my previous documents expired, now I have resubmit a whole new package and I am sinking in debt, now I owed {$61000.00} and requested help 3 months after I failed behind. I can not get a good faith review of my loan modification application and I am caught in this horrible vicious cycle. I am seeking your help, I can not lose my home, it is everything that I have. I beg for your help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
With your help I submitted information explaining this is not my account. My son and I have the same name this is his account but its on my credit. 
Company : XXXX XXXX Account # XXXX Amount : XXXX Also please please please remove these unauthorized inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX   XXXX/XXXX, XXXX ALSO, THE ADDRESSES LIST ARE NOT MINE, HOWEVER MY EX WIFE LIVE AT THEM I'VE NEVER LIVE THERE PLUS WE WAS DIVORCE IN 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 XXXX XXXX XXXX XXXX , XXXX. XXXX ALSO MY NAME IS WRONG ON THERE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. PLEASE ONLY USE XXXX XXXX XXXX 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 2021-07-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The three credit bureaus continue to allow XXXX XXXX XXXX to report 25 medical bills on my credit profile, due to HIPPA violations, but they refuse to fix the glaring issue. This collection agency is revealing specific information about the medical facilty where the bills originated to be seen by potential creditors. My medical information is private, and this collection agency continues to violate my rights of protection, covered under this federal law. I have made repeated attempts to have the credit bureaus take action to correct this issue, but they continue to be complicit in allowing this collection agency violate federal HIPPA law.

Company response to consumer: Closed with explanation