BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-10
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Re : I. C. Systems In XX/XX/XXXXI accessed my credit report to discover a Collection was on the report from a supposed medical bill from XX/XX/XXXX, as of which I received zero communication of the debt in 5 years.

I contacted I. C. Systems in XX/XX/XXXXand the representative indicated an attempt to contact me three times in the year XX/XX/XXXX were made via phone ; however, no logs exist on my phone records showing the company attempted to contact me four years ago. There is not a record of them attempting to contact me since.

I do not believe this debt is mine. I sent I. C. Systems a letter explaining in XX/XX/XXXX. I received zero communication until three months later in XX/XX/XXXX stating they still believed the debt was mine.

I have provided sufficient evidence the debt is not mine. In addition, I have received minimal to zero communication of this debt over the last five 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 explanation
Consumer complaint received 2020-05-13
Company: Firstsource Business Process Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First Source Advantage has called my number attempting to collect a debt for someone other than me. 

They keep calling even though I am not named XXXX and have had this phone number since 2009.

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 2018-07-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AR
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:
I have had my mortgage with Bayview Loan Servicing , LLC, for approximately six years with good credit history, however this company was not of my own chosen, this company brought my mortgage from XXXX mortgage and with them my payment went up very high, and also doing this time i developed and continue to have health issues with XXXX for one, high bills, and paying back taxes that put me in a hardship with my finances. The first four of the six years Bayview Loan Servicing , LLC, didn't report my credit history to any of the credit bureaus with very good credit., and lately after several years they have been reporting my credit history., also during these same times I have applied for a modification loan five or more time, and have been denied five or more time, however the last modification application was fill out with the assistance from a state counselor to make sure the application was in proper order, and i still was denied the modification loan.from Bayview Loan Servicing , LLC. I am asking please, that Bayview Loan Servicing , LLC please have this inquiry, and credit history removed from my credit file because it is making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
AN HSN CARD WAS OPEN IN MY NAME. I TOLD THE COMPANY I NEVER APPLIED FOR A CARD THEY WOULD NOT LISTEN TO THIS TO A COLLECTION AGENCY. I PURCHASED PRODUCTS USING MY DEBIT CARD OR SEND IN A CHECK MOSTLY. I DID NOT AUTHORIZED OR SIGNED FOR A CREDIT CARD NOR DID I USE THEIR CARD FOR PURCHASES. SOMEONE ELSE DID THIS I DID NOT AND IT WAS REPORTED TO CREDIT AGENCIES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: WELLS FARGO & COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, my credit card information from Wells Fargo was being used fraudulently to make hundreds of dollars worth of purchases in California. I disputed the charges and only had a few of them resolved by Wells Fargo. I did not realize this was happening until XX/XX/XXXX because the purchase amounts were small ( less than XXXX $ ) but they were frequent. Upon noticing the fraud, I ordered a replacement from Wells Fargo and attempted to dispute the charges. I activated the new card and found that it did not work and the account information for the card did not appear on my online banking portal. I was unable to pay off the charges that remained on the card until recently in XX/XX/XXXX. I have since cleared that account and closed 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 non-monetary relief
Consumer complaint received 2020-10-15
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:
XXXX card is showing that I was 30 days late but that is inaccurate. I was 18 days late and 10 days late the other time both are under 30 days and are being reported inaccurately.

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 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX has made monthly inquiries of my credit from XX/XX/XXXX - XX/XX/XXXX, and as XXXX via XXXX XXXX on XX/XX/XXXX, without my informed consent. I happened to notice it today while perusing my credit report. I want a thorough explanation as to why and how the information has been used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

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 2021-06-22
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calvary Portfolio has REPEATEDLY called my number asking for some guy with me telling them that they have the WRONG NUMBER! I do NOT know the person they are calling for. My number no longer belongs to that person, and has not for several years now. This company has been calling my number for YEARS with me telling them they have the WRONG NUMBER. They need to figure out the right number and stop calling me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan # XXXX XXXX attempt at resolution. 

I was denied a va cash out refinance on the basis that I did not meet the Va occupancy requirement. my ID & bills have the address in question on it. The loan number in question is XXXX. The address is XXXX XXXX XXXX, XXXX Ga XXXX. I have attached a copy of my ID, water, & electricity bills to verify my residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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:
There are three accounts that are on my credit report that do not belong to me I need to know why these are onn my credit report and why after sending 4 rounds of letter s for dispute I have not receieved anything back from the bureaus I have even opened an FTC for these accounts and yet they are still on my report. This is identity theft and I need this taken care of asap.

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 2021-04-02
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Affidavit of Truth was sent out to Sunrise Credit Services Inc, on XX/XX/2021. 

A response hasn't been sent. On XXXX XXXX a Notice of Default and Opportunity To Cure was sent out.

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 2020-11-04
Company: Experian Information Solutions 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 sent more then enough information on XX/XX/2020 to have these accounts listed on in my police report and ftc report blocked or deleted. i have made all the attempts Per my own request to have these accounts blocked by Law or the FCRA. This is not a company and i have been getting no where because of automated emails i get from XXXX  Experian and XXXX. Please see attached supporting documents

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 2017-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Bank of America fraudulently opened a checking account to someone using my name and social security number on X/XX/17. XXXX Bank of America made two fraudulent " hustled car loans '' on XXXX XXXX, 2017. One in the amount of {$61000.00} and the second in the amount of {$79000.00}. In all these transactions, a valid state form of identification was not produced, there was no income verification, no correct address associated with my name given, no phone numbers associated with me given, and no current place of employment provided. Bank of America refuses to disassociate my name with the loans in their system and has not in any way addressed the status of the open checking account. They indicated to me via phone that their were numerous red flags associated with these hustled loans.

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 2019-08-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I submitted an application for credit cards and the bank institutions are not able to review my credit reports in my Experian and XXXX  accounts. I want these fraude alerts or frizz to be remove asap so the institutions can go ahead with the review of my credit reports to see if im approved or not. I understand is maybe for security reasons but is not fair because the score in my credit had been very damaged.

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 2019-08-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every day, Monday through Saturday, One Main Financial calls me three times a day during my work hours. I have spoken to a representative before to inform her that I can not answer my phone from XXXX - XXXX. I told her if she can please add on the notes to call me after XXXX. This has not been resolved. In addition, they keep calling to ask me to make payment or that there is a late fee. I've already explained to them that I am in a debt consolidation program that manages my payments and sends payments to them. No other creditor calls me as much as they do because they all know that I am on a debt management plan. They should be contacting the debt consolidation company instead. It is frustrating getting called every day, three times a day, especially when I am at work attending important meetings or talking to customers. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RC is claiming that I owe them {$350.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Experian Information Solutions 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 took a small XXXX loan out for my son in XXXX. The original loan from XXXX XXXX XXXX XXXX XXXX was sold to another company, XXXX in XX/XX/XXXX and came due in XX/XX/XXXX. 

I never received notification of the changes that a new lender was handling the loan or that the loan was due because the contact information of the new lender was screened out of my e-mail- The new XXXX being XXXX not XXXX XXXX. 

I have followed my credit rating score for 10 years on a monthly basis. I have had very good to excellent credit during this time frame. 

In XX/XX/XXXX there was a sudden HUGE drop on my credit score. I immediately pulled a full credit report and saw that XXXX had posted 90 days of delinquencies on my credit report. I immediately called them and explained that I had never received notification that the original loan had changed companies so was completely unaware the loan was due. My husband and I were following the original student loan summary from XXXX College 's financial aid office. 

In addition to this my son was in the process of joining XXXX, and seeking loan deferments from his student loans which we had received current contact information about. 

I explained the situation to XXXX, immediately paid the balance due and set up auto pay on-line. When I asked them to please recind the delinquencies, or forgive them given the circumstances they were completely unwilling to work with me. 

My credit is ESSENTIAL to my family and me because my husband recently became permanently XXXX due to an XXXX XXXX. I will provide any documentation needed. I work for a XXXX XXXX XXXX XXXX and a XXXX XXXX as a XXXX. 

I am requesting your help for recinding the delinquencies on my credit report. 
Any help you can give would be greatly appreciated.

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 2021-04-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The problem started in XXXX of last year, during the hardship of COVID 19 my husband lost his job and I applied for forbearance plan. Tried to catch up with mortgage payments but it was still hard, applied for Dilequency through citizens home loan and ever since nothin but a nightmare. I got approved, to add the 4 delayed payment to the end of the Morgage on the condition of me signing a notorized letter, and I sent it to citizens home loan through fax, email and mail. And then I started making my current payment on time to find out that all the payment are going into a suspended account, now I am backed up with payments I already paid and the forbearance. Called so many timers and they keep telling me there is another application I need to sign and and someone will reach out and it will get mailed but nothing happened. And whenever I call they say they reached me but I dont have any voicemails or calls. Last week they said they sent it through XXXX but refuse to provide the tracking number. It wasnt until I said Im reporting to a lawyer and Im recording that they gave me a tracking, the tracking number showed the package was sent the day and time of the call. And the threatened me to have it received and sent back and motorised writhing 6 days or my delinquency is cancelled. The money I paid didnt even go to the escrow or the taxes to the city or even my insurance. I am stuck with them and I afraid to loose my house, please help! Havent even received the letter in the first place and they told me they can even email or have me print it online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On the following dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Chase Bank Usa, N.A filed 3 separate hard inquiries on my XXXX credit report. Although, I never authorized any of these inquiries, I never even applied for a Chase card. These inquiries are dropping my score and I would like to get them off of my report as soon as possible. Thank you so much for your time and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a validation of debt letter to NCA for which I have documentation they received the request on XXXX XXXX. They did not respond within the allotted time as per the Fair Debt Collection Act, 15USC 1692g ( Sec. 809 ). I requested that the account be removed. I received a letter from National Credit Adjusters ( NAC ) dated XX/XX/XXXX. Which is at least thirty ( 30 ) days past the due date. Not only did this letter not include the documentation to validate the debt. It was a request for payment attaching a bill statement. The following requested items were not provided ... 
1.Contract from the original creditor 2.Assignment contract between NCA and the original creditor 3.Evidense of their license to practice in my state 4.Alledged contract or other instrument bearing my signature 5.proof debt owed is within statue of limitations I sent a letter on XXXX XXXX for which I have documentation they received on XX/XX/XXXX advising them of this and reminding them of the guidelines set forth. I also advised if not removed from credit report ( XXXX ) that I will file a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
First, where is the form to report discriminatory practices generally? : Your form is designed to keep the real problems from being reported! In doing so, you are assisting the fascists banks you are supposed to protect us from. You cant tic tac toe everything! 

There is a disturbing trend with large U.S. banks most notably Bank of America ( BofA ) and XXXX using their enormous market power to discriminate against customers based on lawful firearm-related business activities. ( Ok, I paraphrased text from the XXXX ) However, this is a major problem and one I have already informed my congressman ( XXXX XXXX well see is he actually listens to his voice mail! ) It has always been important that banks and financial institutions be neutral turf, staying outside the political issues of the day. As important for these institutions to keep their activity legal, and not knowingly support criminal actions, it is more important that they do not BECOME legal authorities themselves. This approach was most effectively used by XXXX XXXX in the XXXX to align XXXX to his authority. And it went way beyond his attack on XXXX XXXX citizens. We must learn from his evil. 

This is even more important in the age of digital currency and electronic transfers. Our financial institutions have become, for better or worse, the circulatory system of our society. To cut anyone off from that system, no matter how extreme ( and lawful manufacture, transportation, sale and possession of firearm is in no way extreme! ) is to create a subclass in America. Believe me when I say that this fascist approach to social change will not end with the firearms debate. We already are seeing attacks on churches, business, clubs, and other organizations who do not fit into the correct social platform. This must end. This is what gives the XXXX rule of Think Progressive their unjust power. 

It is your job to enforce neutrality on our financial institutions, now matter how popular their actions may be with certain segments of society. Our true core values are at stake! 

Sincerely, XXXX XXXX XXXX XXXX, Illinois

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