BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX inquiry-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... ..XXXX   XXXX Inquiry-XX/XX/XXXX, XX/XX/XXXX ... .XXXX XXXX XXXX XXXX inquiry-XX/XX/XXXX , XX/XX/XXXX ... .XXXX XXXX inquiry-XX/XX/XXXX.. contact these creditors and some stated they couldnt find no application from me and the others stated the on application on there file with my info is from XXXX or XXXX nothing with years of 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 2018-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I was charged more than the original loan amount by XXXX, loan # XXXX. The payment history showed I paid the principal amount off XX/XX/XXXX. I disputed the final payoff of XXXX due XX/XX/XXXX. I asked them to review the payment history which showed that I had paid off the principal already. They transferred the loan to Bank of America, loan # XXXX effective XX/XX/XXXX. Bank of America sent me a payment notice. I contacted Bank of America and was assigned XXXX XXXX, XXXX ext. XXXX to help resolve the complaint. She had difficulty resolving the problem because XXXX did not provide the full records as requested. After dealing with the problem from XX/XX/XXXX to XX/XX/XXXX and not getting the problem resolved, I sent them what they said I owed. I was told no late charges would be accessed and no late payments would be reported to the consumer bureaus. The account was reported as 60 days late by Bank of America.

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 2022-10-04
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/2022 I wrote the XXXX and Equifax about reporting inaccurate information on my credit report that needed to be deleted from my credit report with no result from them then wrote them again on XX/XX/2022 stating that the following accounts were still reporting inaccurate and unverifiable information on my behalf. 
XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX these accounts are damaging to my credit and credit profile. I've been denied housing do to these inaccuracies and need this to be rectified by being deleted it is only fair at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX first said I owed {$410.00} as my final bill. I called and asked them to adjust the bill to reflect the actual services that I received, as I did not have a contract with them and was not obligated to keep their services or pay for service not received. They were trying to have me pay for service AFTER it was suspended and was no longer being received. They responded by adjusting the bill to {$280.00}. The account was sent to collections in XXXX of 2017, despite several attempts by me between XX/XX/XXXX and XX/XX/XXXX to get an accurate balance so that I could pay the balance. I disagree that the amount was even {$280.00}, as the monthly services were only {$200.00}. On XX/XX/XXXX a statement was printed and sent to me that stated there was no previous balance and showed credits and two write off balance reversals that would leave the account balance at {$45.00}. I paid the {$45.00} to a local office but at that time was given a receipt that had a {$240.00} balance. That balance was not correct as the XX/XX/XXXX statement shows that with the write off balance reversals and credits the only balance that was due was {$45.00}. I called them and they said the account balance was now XXXX but the account is still with collections and appearing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Went to Chase bank to send {$1900.00} to the XXXX. Asked to wire and was charged {$50.00} for wiring, was done today XX/XX/XXXX. Now reading the small letters the officer did not tell me that the money will be available in the XXXX on XX/XX/XXXX, and that there may be charges by the bank in the XXXX ... 
How come wiring takes 8 days and was not told about it? So Chase bank uses the money for 7 days? very sad non professional practice by the bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Consumer ID # XXXX on ChexSystems Report. My Accout was overdrawn at XXXX XXXX XXXXXXXX XXXX XXXX back in XXXX. Mortgage with XXXX XXXX  and overdrawn account were both named in my Bankruptcy Filing of XX/XX/XXXX and discharged. Somehow a delay in reporting this debt ended up on ChexSystems though it was already resolved prior. I want it REMOVED IMMEDIATELY and in it's entirety like it never happened because it never should have happened to begin with.

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 2018-04-03
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had three accounts with Navy Federal Credit Union, and due to financial hardship in XX/XX/XXXX, I fell behind on my payments. A settlement was paid in XX/XX/XXXX on all three accounts and the remaining balances were charged off.

I reached out to NFCU in XX/XX/XXXX, because my accounts are still being reported to the credit bureaus as still owing the balances that were charged off. I was assured by the Collection Department representative I spoke with that I no longer owe NFCU on these accounts or these balances, and they resent me letters in the mail dated XX/XX/XXXX, stating the payments made in the settlement of these accounts and that no further collection activity will occur.

I attempted to dispute the incorrect information on my credit reports ( that there is a XXXX balance as a settlement was paid ), but it is still being reported on my credit report that I owe the charged off balances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
Midland Credit is reporting a fraudulent account on my credit. I didnt open this account, nor did I authorize anyone to do so on my behalf. Please remove this account from credit file as it doesnt belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On Friday XX/XX/XXXX @ approximately XXXX XXXX I called into Chase in spoke with a XXXX. I informed XXXX that i believe my daughter was about commit fraud on the bank account we both shared. I explained to her that my daughter was a run away and that i seen something in her inbox on social media something about using her debit card fraudulently and could she close the account and debit card out. XXXX   informed me that I could not close the account or debit card out and that it was nothing she could do because the fraud has not yet been committed. I went on and asked what the heck she meant she couldn't close the account or the cards. Im explaining to you that my daughter is a run away and is fraud is about to be committed fraud on this bank account and I'm trying to prevent it. I argued back and forth with XXXX about the closing of the account because i would be the responsible party, shall any fraud happens, XXXX finally agrees to close the account. 5 Days later i log onto my account and notice that and negative balance for XXXX is placed on the high school checking. I do some research and find out that, the card or the account was never closed. On or around XX/XX/XXXX a deposit was made in the form of a check wrote out to XXXX XXXX in the amount of {$1400.00}. I immediately contacted the bank and explain to them about the conversation I had with XXXX and that the account was been closed. At that point they informed there was already a dispute in process not to worry. About a week or so later I recieve a letter in the mail stating that i owed XXXX plus applicable fees. I should not be responsible for her fraud. I did my due diligence by contacting chase trying to prevent the fraud. Furthermore I was lied to and was told that account were closed. I been with Chase for over 10 years and I have never had an issue like this. I have the recorded call to chase on the night I was told that the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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:
I was informed by banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX  XXXX {$9700.00} CHAPTER XXXX BANKRUPTCY DISCHARGED CHAPTERS XXXX BANKRUPTCY DISHCARGED CHAPTER XXXX BANKRUPTCY FILED

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 2021-02-23
Company: Experian Information Solutions Inc.
State: MA
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  - account number : XXXX Reporting XX/XX/2019 - all reports reporting 30 days late. this account was never late and they are refusing to provide proof or remove the account information

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 2018-07-27
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PLEASE FORWARD TO OCWEN LOAN SERVICING LLC. 

I truly wish to resolve my mortgage issues, and my modification was rejected because at Ocwen stated that I was too far behind on payments. This is truly discriminatory and I now have an attorney representing my wishes. I deserve a modification as my son has agreed to join me on payments and he also has an excellent income.

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 2018-07-13
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from a local number on XX/XX/XXXX ( XXXX ) stating they were XXXX XXXX and that I had an affidavit against me and I needed to call XXXX extension XXXX and reference case XXXX. I called the number and the person on the phone ( XXXX XXXX ) did not transfer me but took the case number saying he would transfer me to the correct person. He stated my current address, email, date of birth and social security number in full. He continued to tell me that he was working for a law office ( XXXX XXXX XXXX ) that was just trying to get information on the account to see if it was worth pursuing. He claimed I had a debt from XX/XX/XXXX with Huntington Bank in the amount of {$830.00}. He said that they sent me a letter and that I did not respond. I did not receive a letter because it was at a previous address that I did not reside at the time they sent. He continued to tell me that if I refused to pay that they would sue me for the amount of {$2500.00} for interest and damages. He pressured me into paying a settlement amount of XXXX. He also said they were part of a credit reporting program that would put a freeze on all of my accounts once he entered my information into the system. He did not say that there was any type of legal or court ordered action to do this. I asked for a verification of debt and he put me on hold to send me an email ( from : XXXX ) with an attachment that had a verification of debt that does not seem legitimate. I asked if there was a local office I could talk to someone in person. He told me that he was in California and that their other office was in New York. The address on the verification of debt was for XXXX, TX. I told him that I wasn't refusing to pay but that I needed to seek legal counsel. He said that he would give me 24 hours or that it would be considered a refusal to pay. I told him that I was not refusing to pay again and that I would seek legal counsel. He told me to call him back within 24 hours at a different number ( XXXX ). I could not find any information on the actual law office and the address and lawyer ( XXXX XXXX ) in Texas does not exist. I believe this to be a fraudalent collection and my legal counsel confirmed that I should file a report with the FTC on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: U.S. BANCORP
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX, ELAN FINANCIAL add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2022-01-06
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, checked my credit report and I noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit reporting agencies to remedy the situation and they would not help me remove these fraudulent and inaccurate accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Lender : Carrington Mortgage Services www.carringtonms.com XXXX. XXXX  XXXX XXXX, IN XXXX Phone : XXXX Fax : XXXX For the past 6 months I've been in the process of paying extra money on the account for the sole purpose finishing off the loan. Lender only allows you to pay up to {$9900.00} online per day. So every 4 times month since XX/XX/XXXX I begin to send payments online. Every time I sent money there wasn't any problems from the lender to place payments directly into principal portion of account. Problems began after XX/XX/XXXX, after Lender received its regular monthly payment, taking out interest, principal and escrow. I made another payment on XX/XX/XXXX. Here lender took out another payment for itself of interest and escrow. Up to this date everything was fine with account, customer service stated it would take 15 days to move the money back from interest and escrow to principal. On XX/XX/XXXX money has not been added back to the account under principal. When calling customer service, there claim is that don't see anything on their computer screen. But when you look at the company account website, problem is still posted as money not returned to account. On XX/XX/XXXX regular payment plus additional to principal wasn't a problem. Payment XX/XX/XXXX additional money was added to account, went straight to principal again not a problem. Payment XX/XX/XXXX same as previous day, not a problem. Problem began on XX/XX/XXXX when account was about to be paid in full, after you add escrow to account and the extra interest charge on XX/XX/XXXX statement from XX/XX/XXXX of {$250.00}. Carrington took the last payment of {$9300.00} and split it 7 times on XX/XX/XXXX. Carrington took interest payments 7 times and 7 times of escrow payments from 1 days extra payment after receiving regular monthly payment. Customer service blames me the customer for paying down debt on the loan. Carrington website doesn't allow you to allocate money directly to principal after regular monthly payment has been received. But does allow you to add money. I've been actively paying down debt since XX/XX/XXXX, making about 4-5 extra payments a month. Carrington always applied extra money directly to principal, until the loan was about to be paid off. Customer service told me that my account was extended to XX/XX/XXXX. All in the name of paying them interest on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re Acct # XXXX {$680.00} On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to PORTFOLIO RECOV ASSOC regarding Acct # XXXX. ( See Attached letters ). There are also 3 other accounts I sent letters so that PORTFOLIO RECOV ASSOC could validate the debt they claim I owe. All letters were sent certified on the same days, which were XX/XX/2018 and XX/XX/2018. I am sending a copy of those letters. The debt hasnt been validated. 
Acct # XXXX  {$3700.00} ( Case Was Dismissed, attaching court dismissal paperwork ) Superior Court XXXX, CA Case number XXXX Acct # XXXX   {$680.00} They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my family ; my home and credit and I need help taking care of these matters. 
Thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I did what the company has asked me to do to unlock my account, now they are completely silence again, no response, no update and my account is still locked. As a reminder, this is their fault to begin with to lock my account WITH NO REASON whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Home Loan Center, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Received a call from XXXX XXXX XXXX XXXX claiming they were from the company, LendingTree and they were attempting to collect payment for an outstanding dept. Asked for last ( 4 ) of my social and then continued to get me to pay {$240.00} payment to satisfy delinquent payment. I never had an open account with LendingTree. I attempted to get more details and eventually disconnected the call because he wasn't providing me supporting documentation. I then called LendingTree to confirm that I did not have an account with them which they agreed. I then attempted to call the person back and the phone number above and I got a voicemail with a woman 's voice ( not the caller ) and no way to leave a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: AES/PHEAA
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX  and XX/XX/2017 I was told that as a XXXX  I qualified for loan forgiveness. Either I called them or they called me, but I was told that I would be forgiven over {$7000.00} if I enrolled in this program. So they guided me through to help me get signed up, I believe that the company was federal student help? They told me that it was an income driven repayment plan, but they assured me several times that my payments would never change. I asked several times to make sure that this was the case and they assured me that that was how the forgiveness worked, pay them for ten years and the government forgave what was not paid after that time period. at the end of the ordeal I was promised payments of {$62.00} for the next ten years. 

I was seriously misled. and I have paid way more in stupid extra fees than I ever would have otherwise.

Company response to consumer: Closed with explanation