BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-09
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had 2 collection accounts at all 3 credit bureaus. According to Colorado XXXX XXXX XXXX XXXX I can not be billed for medicaid services. That means that I can not be placed for collection for this. XXXX  and XXXX  have alrdeady argeed that the collection accounts were unlawful and deleted them. XXXX XXXX deleted only debt of {$210.00}, but another one of {$150.00} is still there. 
The documents regarding this problem were sent to original creditor, collection agency and all 3 credit bureaus 2 month ago. 
I opened the dispute with XXXX XXXX 2 times. only one Item was deleted and they don't want do anything with the 2 second item. 
I never received ANY answer from collection agency. I sent them documents 2 times, last time they received it XX/XX/2018. ( usps conformation included )

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 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is hard inquiries on all three credit accounts I dispute with the companies on the report they tell all three credit reporters I have no loans or inquiries from them they tell me and the company 's they dont care, and do nothing then they blocked me from writing calling or accessing my online account for the credit reporting agencies blocked me so cant do nothing thats what they do when you file a complaint on them. so I cant dispute law shows they cant 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 2021-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on BK OF AMER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2020-09-16
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher Opened XX/XX/2020 {$620.00} Original creditor : XXXX XXXX XXXX. 
I JUST FIND OUT ABOUT THIS ACCOUNT IN my XXXX XXXX 
It appears as a accounts in collection, but i can find where this account come from. 
I thought XXXX XXXX, but its clear according to XXXX 
Pls help me find this account where it come from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been in forbearance since XX/XX/2017. I was applying for the income based payment program. The monthly payment was {$890.00}. I could not afford to make that payment on a monthly basis. I am the only one in the house that works. My wife lost her job last year in XX/XX/2017. So I was looking for alternatives that could reduce my monthly payments, at least until she finds a job. 

In late XX/XX/2017, NAVIENT had considered my student loan 90 days late and reported to the credit bureau. How can you be in forbearance and expected to make a loan payment of {$890.00}? This inaccurate information destroyed my credit. I would have not left the loan unattended at all. I have been in constant contact with NAVIENT regarding my loan. NAVIENT agreed to grant me a forbearance and then reported that the loan was 90 days late.Even though the NAVIENT website shows that the loan is current and up to date, it is still marked late on the credit report. So I expect them to honor the agreement rectify the error EFFECTIVE IMMEDIATELY! By removing the 90 days late status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Back in XX/XX/2016 I filed bankruptcy due to Loss of employment. I included the debt of XXXX XXXX XXXX XXXX of XXXX and recently tried to apply for a checking account with XXXX XXXX XXXX XXXX and was Denied because this Bill Collector and XXXX which I also filed another complaint against decided they were above the bankruptcy law and decided to put a debt that was included on the bankruptcy filed back in XX/XX/2016 Case # XXXX. I received a letter of denial from XXXX XXXX XXXX XXXX   Today. Due to them retaliating against me filing for a bankruptcy this is causing me a hardship of not being able to open up a checking account. I will be filing a lawsuit against XXXX, XXXX XXXX XXXX XXXX , XXXX  and Chexsystems. If this does not get removed off of my Chexsystems  Report ASAP. Under violation of the bankruptcy code.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Reached out to apartment complex about settling XXXX $ move out fee on XX/XX/21. They advised me to send them a check to clear the fee. 

Two weeks later the debt appears with a collections agency. Apartment complex tells me they made mistakes and that I need to actually pay the debt to the collections agency. 

I have disputed with my XXXX  who ruled in my favor. The apartment complex is refusing payment and the collections agency is doing an investigation as to whether or not the debt should be paid by me to the complex or the agency.

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 2021-02-10
Company: WELLS FARGO & COMPANY
State: TN
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: Problem with personal statement of dispute

Complaint:
After carefully reviewing the credit card statement, there were unfair credit billing with your credit card practices. I would pay the monthly statement online on the due date but your system says that I did not pay until the next business day. I was charge late fees because of this. Please send me proof of charges. What was the prime rate for finance charges?

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 2017-11-29
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hi I had stayed at a XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX and XX/XX/XXXX. The hotel had put a hold on my card, a prepaid card with XXXX XXXX XXXX card for {$110.00}. They immediately released it upon my checkout date, XX/XX/XXXX. I have been getting different answers from XXXX every single day as to why I havent received my funds back onto my card. One day, its 3 business days. The next day its 8 business days. Now its 21 business days! I am nearly penniless, and they say I may now have to wait until XX/XX/XXXX until I get my funds back. How is this legal?!

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 2021-09-22
Company: EQUIFAX, INC.
State: GA
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$73.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$73.00} -This is not my account. 

-- XXXX XXXX 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2019-02-17
Company: EQUIFAX, INC.
State: NC
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 been having issues with my credit report for a few years. I have other names and accounts the may have been confused with my personal credit file. My name is XXXX XXXX XXXX. PLEASE DELETE ANY VARIATIONS OF MY NAME. MY CURRENT ADDRESS IS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX PLEASE DELETE ANY OTHER ADRESS ON MY FILE THEY ARE NOT ACCURATE. THE FOLLOWING ACCOUNT I DON NOT HAVE ANY CONTRACTS, BILLS OF SALE, OR DISCLAIMERS FROM THE CREDITORS? I DEMAND THAT YOU PLEASE PROVIDE REQUESTED PROPER DOCUMENTATION AS BEFORE. SIGNED CONTRACT, UCC1,2,3, ANY PROOF OF CLAIM FOR THE FOLLOWING ACCOUNTS : 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 I have attached a copy of my ID and will be filing a FTC report and Police report as well!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
This is an error : Name Added : The name ( XXXX, XXXX, XXXX ) is listed on your credit report as of XX/XX/2019. 

My name is XXXX XXXX. XXXX, XXXX, XXXX is not my name and in fact it just looks like stupid gibberish.

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 2021-09-22
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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: FCI Lender Services Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I went to a company for purposes of paying off my mortgage note. This company examined the loan and the transfers of my mortgage note, and noticed that the most recent transfer was invalid, which consequently does NOT validate a foreclosure sale. The transfer was to XXXX XXXX XXXX, however to validate the assignment, Article 9, UCC requires a 3 prong criteria to be followed ; 1 ) Value must be given 2 ) The seller must have the authority to transfer rights in the note ; and 3 ) The buyer must take possession of the note pursuant to the security agreement signed by the debtor. Upon investigation when this Note was assigned on XX/XX/XXXX to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The document was signed by XXXX XXXX XXXX as manager of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX as 'Attorney in fact ' for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NOTE : Handwritten on the document is the statement : " POA to be recorded immediately prior to this document ''. However, no POA was ever recorded. My concern was mailed on XX/XX/XXXX and I received a response on XX/XX/XXXX from the lender, states info could not be retrieved.

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 2018-08-30
Company: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been contacted on numerous occasions by this company who claims to be affiliated with National Credit Adjusters, LLC/XXXX XXXX and XXXX XXXX XXXX XXXX ( Attorney Firm ), XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. ( Office Phone XXXX ) On most occasions I have been dealing with a person named XXXX, who has been very rude to me and my family members. This company has also contacted members of my family ( parents, in-laws, children, & stepchildren ) in their efforts to collect this so-called debt. They are claiming to be trying to collect a debt from XXXX XXXX on an overdrawn old checking account from more than 8 years ago. I was instructed by XXXX to contact the collections & recovery department for XXXX XXXX which I have done. The bank shows no record of any accounts in my name which were previously or currently sold as a collection for me. This company has continued to harass me and my family members by phone, threatening that they are sending a process server to my home as they are filing a judgment and civil collection action against me. I have checked local court records and no such information exists on my. I have requested documentation from this company in writing regarding this alleged debt which they have not produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Pacific Union Financial, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, We refinance a few years ago and we were unaware we would have to pay mortgage insurance for 11 years. 

When we closed our refi loan we had about a 60 % loan to value and thought mortgage insurance was normal for a new loan. 

We are currently around 50 % loan to value and don't understand why we're paying {$300.00} a month in mortgage insurance it's completely unnecessary. 

I've contacted our mortgage provider multiple times and they have said they could remove it but won't, they will not drop the mortgage insurance. 

Had we known they were going to force us to pay mortgage insurance for 11 years and not 2 we would have not refinance our loan. It's always been our understanding mortgage insurance is 2 years or 80 % loan to value. 

We need relief from this I've tried multiple times and the mortgage companies simply will not work with us

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: EQUIFAX, INC.
State: KY
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 opened a XXXX  XXXX credit card around XX/XX/XXXX and used my card until XX/XX/XXXX when I reported it stolen and fraudulent charges. XXXX XXXX agreed to close my card and they did. However they continue to report late payments to the credit bureaus even after I filed and sent them and the credit bureaus a police report. To this date the account was closed in XX/XX/XXXX, however every month since XX/XX/XXXX XXXX XXXX has reported late payments but have told me Im not liable. Every month the balance increases by nearly {$200.00}. I would like XXXX XXXX to report that the balance has been paid in full as they stated previously. XXXX XXXX XXXX Social is XXXX I do not have the card number so I listed my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
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: Account information incorrect

Complaint:
Experian is listing two hard inquires for the same transaction on the same date ; one listed as XXXX XXXX XXXX and one listed as XXXX XXXX/XXXX XXXX. I contacted Experian and Experian refuses to initiate a dispute.

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 2018-08-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased tickets from an independent seller on XXXX on XX/XX/2018. The seller provided me with his name, email address, and phone number as we discussed the transaction. In exchange for the tickets, I transferred {$430.00} to his XXXX XXXX XXXX checking account from my Chase checking account via Chase XXXX ( XXXX ). Shortly after, his phone was disconnected and I never received the tickets. 

I tried contacting XXXX no less than ten minutes after the transaction, and they told me that they were not liable and would not cancel the transaction. I was under the impression that my bank had fraud protection and that I would be able to cancel the transaction in the case of a scam. They were unwilling to assist me and would not even offer a 'courtesy ' refund. This seems unreasonable, especially because Chase advertises XXXX as their own money transfer system. XXXX and XXXX offer these services to users. Chase, a financial institution, should do the same for those banking with them. I have lost all trust in managing my money through Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a XXXX loan and I am a sole proprietor I have a checking account with US Bank and on XX/XX/XXXX my account had a hold placed on it it first I didnt Panic because I understand processes but my account still have a hold the money is just sitting there Ive called the customer service number no direct answers Ive went into branches talked with branch XXXX  still no solid answers I keep being told all this general information but I was told it a particular person who have the hold on my account but she dont deal with customers directly but its been over 30 business days and if they are investigating or anything it should have been done by now but yet my money just sit there and when I ask for a time they tell me it could take months I spoke to them asking them to just send the money back and we restart the process they said it could take months to send back a ACH which I dont understand why and no one is helping me understand or giving me a clear answer at this point I just want this to be over with cuz its been to long and Ive done all I can do and I just need to know if there is regulations as to how long the hold can be there whats the next steps and move on but I feel like Im being discriminated against please help I also showed them the paperwork work they told me that wasnt my signature while I was in the bank dealing with a branch XXXX I went onto the website and got the information or paperwork to present I was told it had two different fonts

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