BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-30
Company: Experian Information Solutions Inc.
State: MO
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:
These accounts ( 1 ) XXXX XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX {$3.00}, ( 3 ) XXXX XXXX XXXX XXXX, all are reporting fraudulently on my credit report. I have absolutely no knowledge of these accounts nor have I authorized the use of my information to obtain these accounts. I have previously on numerous occasions disputed them but the 3 major credit bureaus response was account verified. Now I'm demanding the Method Of Verification inwhich was used to  equate the accounts to me. What department investigated it, what was the employee name, and title, and what certified documentation was used to affiliate the accounts. Please provide me all relevant information or as stated within the FCRA laws, these accounts shall be blocked/ removed immediately 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 2021-07-08
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: Account status incorrect

Complaint:
I'm writing to whom it may concern.

I submitted information to the credit agency about removing inaccurate information on my credit report. I asked for the credit agency to verify the inaccurate information. It's been over a year now and still there reporting the information and its affecting decision making with financial institutions.

if someone can assist me in this it would be greatly appreciated thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: AmeriHome Mortgage Company, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
AmeriHome Mortgage Company managed my mortgage until XXXX when I refinanced with XXXX XXXX. On XX/XX/XXXX, XXXX XXXX paid off the mortgage and a new loan was created with XXXX XXXX. 

On XX/XX/XXXX, AmeriHome also withdrew the XXXX Mortgage payment. 

I immediately notified AmeriHome Mortgage Company and asked about my escrow and a last payment refund. The escrow refund was received at the end of XXXX, but the XXXX overpayment was not processed. 

I called every week ( at least twice a week ) and inquired about my XXXX mortgage refund. I had to escalate my problem to supervisors and still did not receive my refund of the overpayment. I was incorrectly advised that the overpayment would be refunded with the escrow ( it was not ). After the escrow payment, I continued to call and request the XXXX mortgage payment. The payment was finally received after XX/XX/XXXX ( more that 45 days after the total loan was paid off. ) As a senior citizen that {$1000.00} plus extra plus mortgage payment puts a burden on me, so I continued to call AmeriHome for a refund of my overpayment. I even overdrew my checking account waiting for this refund. 

I advised them that I would be filing a formal complaint and they advised me that I was not entitled to any late fee or interest. If my mortgage is late, they would charge me interest so their failure to refund my overpayment immediately ( despite numerous calls and complaints ) should include interest.

I discussed filing a formal complaint with the company and they advised me to write the president of the company and that is why I am writing you to escalate my concerns to the president of AmeriHome Home Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
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: Account information incorrect

Complaint:
THE CATAGORY NEEDS TO BE ''BANKING FRAUD '' ANYWAYZ XXXX , BANK IS REPORTING INFORMATION THAT IS A XXXX FRAUD, THEY ARE NOT GIVING FULL DISCLOSURE AND HIDING A SECRET LEDGER OF ACCOUNTING, THESE SIMPLE QUESTIONS HERE I DEMAND ANSWERS WITH CLARITY OR THE LAW SPEAKS FOR ITSELF REGARDING SILENCE IS AQUIESCENSE, ANSWER THESE QUESTIONS AND DONT SEND ME YOUR XXXX ROBO-STATEMENTS TO MY ''BILLING ADDRESS '' DID YOUR BANK MONETIZE MY SIGNATURE?, YES OR NO, WAS THE CHECK DEPOSITED [ that you claim was bad ] WAS THE CHECK TOTALLY WORTHLESS TO YOUR BANK?, YES OR NO, WHY ARE YOU SENDING STATEMENTS TO A BILLING ADDRESS? WHEN IS A COMPLAINING PARTY GOING TO PREPARE A STATEMENT OF WRONG DOING?, [ sworn to before a notary. WHEN WILL I RECEIVE A ''TRUE BILL ''?? SILENCE IS GUILT, SILENCE IS AQUIESCENCE, SILENCE IS FRAUD ANSWER THESE SIMPLE QUESTIONS IF YOU CAN,

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 2018-11-16
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:
I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts Bankruptcy chapter XXXX-discharged 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 2018-06-18
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX from XXXX XXXX XXXX has been harassing my friends and family members, even immediately after I called and spoke to them. They have no reason to talk to any of these people, unless it's to get my whereabouts, and since I am in contact with them, this is nothing but harassment of them and me. 

I told XXXX, I regret this situation. I acknowledge my obligation. Im committed to repaying you in full, and as quickly as is possible. My financial situation is difficult and unclear at this point. I will be back in touch with you in two weeks to discuss a repayment schedule. 

XXXX would not accept this and kept harassing me on the phone. When we hung up he immediately called a friend of mine, woke her up, and harassed her to " Get information on XXXX. '' In addition, they have attempted to contact the mother of this friend ( whom I have never met ) to talk about this delinquent loan as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: National Commercial Services, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/17 balance claim of XXXX or my driver license will be suspended

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
US Bank and Elan Financial Services have created a website that does not work, and they also have a phone system that transfers victims ( customers ) through countless departments, on-hold time wasters, and people who can not do everything needed ... resulting in more transfers. It's like, seriously, does US Bank or Elan Financial Services PAY people to create the most burdensome XXXX XXXX customer service procedure so victims just give up and throw away their joke reward debit card? Unbelievable a bank in the USA would treat victims this way.

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 2018-11-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Yesterday ( XX/XX/2018 ), I received a 1 page,  mailing from Chase bank titled : " Action Needed : Make a deposit to keep your overdrawn account open ''. I am continuing to DISPUTE, Chase Banks ' mismanagement of my account. As of today, Chase have repeatedly refused to set my personally set PIN number back to my choosing. As of today, Chase Bank have refused to properly manage my checking account. I do NOT owe Chase Bank a dime. The overdrawn amount ( {$34.00} ) was caused by Chase Banks ' mismanagement of my account. As of today, Chase Bank have REFUSED to adhere to the rules, policies and procedures that govern their business.. As of today, Chase Bank have fraudulently add my daughters name to my account ( via this mailing dated, XX/XX/2018 ). My daughter, left Chase bank month 's ago ( which had absolutely NOTHING to do with my personal checking account or relationship with the bank ) .. And, Chase Bank closed her account month 's ago ( which had NOTHING, to do with my personal checking account ). However, Chase Bank and their representatives have continued to practiced unlawful DISCRIMINATION towards me and my personal checking account. Her name, have NEVER been included on any mailings associated with my personal checking account mailings. I will continue to FIGHT legally, for my rights. i DO NOT OWE CHASE BANK A DIME! IN FACT, CHASE BANK OWES ME FOR THE ONGOING UNLAWFULLY PRACTICED, DISCRIMINATION! ALL SUPPORTING DOCUMENTATION WILL BE FAXED TO THE CONSUMER FINANCIAL PROTECTION BUREAU. ALL INFORMATION SUBMITTED TO THE CFPB IS TO BE USED " ONLY '' BY CFPB ( NOT, CHASE BANK OR ANY CHASE BANK SUBSIDIARIES )! XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a phone call from XXXX XXXX on XX/XX/XXXX in an attempt to collect a debt in the amount of {$630.00}. 

On XX/XX/XXXX, I requested two months of forbearance on my loans because I lost my full-time job. These were granted with no issues, and I was not informed of any restrictions moving forward on using the rest of my forbearance months ( XX/XX/XXXX remaining ). 

I do not have a full-time job, and my monthly income is {$1800.00} ( I work three part-time jobs ). I am unable to afford my fixed expenses ( {$2400.00} ) in full so I attempted to speak with XXXX about using some forbearance while I tried to catch up. However, they informed me that 9 monthly payments must be made in between the use of forbearance before another 2 months can be used. 

This is the first I've heard of these stipulations. I am behind on this loan and if I have 10 months of forbearance, it would be helpful to be able to use it since this is why it exists. I'm working on pulling up my promissory note from when I originally signed the loan with Citibank in XXXX ( XXXX now services Citibank 's loans ) because I don't believe I was ever informed of us. If I was, I would have potentially reconsidered using the forbearance some months ago. 

This aside, XXXX was unable to work with me any further on. Is this what it's come to? If people can't make a payment, they just push you into a bigger hole of debt?

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 2019-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My wife and I have deposited our homeowners insurance claim check to our public adjusters account before. But upon closure of the claim, the last check came in and Bank of America refused to accept the deposit like they have done before. Their reason is that all of the payees have to be present. It is impossible to get all three payers to the bank at once for signature verification and they have never refused the checks before until now. We were not attempting to cash a check, merely deposit it into the adjusters account. I was not able to accompany my wife, and have never been with her to deposit these checks. I would like to know why banks are allowed to practice such inconsistent practices without repercussions? The amount of money it will cost us to get together exceeds the value of the check. The manager, XXXX, said that she doesnt care what they did before, but policy was that all payees have to be present. I would have no issue if they had done this each time, but this is the only time they have said this. Bank of America will never gain our companies business over this since my wife drove over an hour to the closest branch.

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 2018-11-16
Company: EQUIFAX, INC.
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:
What in the world is happening here that my concern was not attended by Equifax!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX  XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, and Chapter XXXX Bankruptcy Discharged XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I sent XXXX a validation letter for 2 accounts RE : # 1 Account # : XXXX # 2 Account # : XXXX They failed to validate both of these accounts. # 1 Account # : XXXX they failed to send valid proof for this and for # 2 Account # XXXX they never even responded but continue to report this account to my credit file even though it has been past 30 days. As well as verified the account with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16
Company: KLS Financial Services, 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:
XXXX has been non-compliant with removing the unverified account KLS FINANCIAL SERVICES XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KLS FINANCIAL SERVICES as not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Westlake Services, LLC
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:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that XXXX XXXX XXXX as not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I received an offer for {$45.00} cashback when I signed up for a new XXXX XXXX XXXX account. On XX/XX/XXXX, after ensuring I activated the offer, I signed up for the new XXXX XXXX XXXX account. Since it's been more than XXXX billing cycles and I didn't receive a cashback, I contacted Discover. They told me I did not activate the offer, despite getting the message that I did activate the offer. 

I opened a complaint with XXXX this month. This time, Discover said I did activate the offer, but that I was renewing my membership rather than creating a new membership. I've never had a membership with XXXX XXXX XXXX, so I don't know how they can say that I was renewing a previously existing membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: KAHRS LAW OFFICES, PA
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Order of garnishment prepared by Kahrs law offices, P A Plantiff - XXXX XXXX XXXX XX/XX/2018 Garnishing wages They did not call/write/email me. 
Began garnishment out of my paychecks without giving notice. Currently taking around {$75.00} each week. A total balance of {$650.00} that I was not made aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: EQUIFAX, INC.
State: VA
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:
I gave credit inquiries on my credit report that I dont recognize and I did not authorize.. Someone tryed to open new accounts in my name and will like these inquiries deleted from my credit report ... .. I also have addresses on my credit report that I have not ever been associated with and will like them deleted from my credit report thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: LEXISNEXIS
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:
I found accounts in my credit report that I didn't originate or applied for, these accounts are fraudulent and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: EQUIFAX, INC.
State: MO
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:
These accounts ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 )  XXXX XXXX XXXX {$3.00}, ( 3 ) XXXX XXXX XXXX {$640.00}, all are reporting fraudulently on my credit report. I have absolutely no knowledge of these accounts nor have I authorized the use of my information to obtain these accounts. I have previously on numerous occasions disputed them but the 3 major credit bureaus response was account verified. Now I'm demanding the Method Of Verification inwhich was used to equate the accounts to me. What department investigated it, what was the employee name, and title, and what certified documentation was used to affiliate the accounts. Please provide me all relevant information or as stated within the FCRA laws, these accounts shall be blocked/ removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
These accounts ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 ) XXXX XXXX XXXX {$3.00}, ( 3 ) XXXX XXXX XXXX {$640.00}, all are reporting fraudulently on my credit report. I have absolutely no knowledge of these accounts nor have I authorized the use of my information to obtain these accounts. I have previously on numerous occasions disputed them but the 3 major credit bureaus response was account verified. Now I'm demanding the Method Of Verification inwhich was used to equate the accounts to me. What department investigated it, what was the employee name, and title, and what certified documentation was used to affiliate the accounts. Please provide me all relevant information or as stated within the FCRA laws, these accounts shall be blocked/ removed immediately 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