BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: BARCLAYS BANK DELAWARE
State: IN
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:
I became aware of a problem when I discovered my XXXX score had been lowered by several points by XXXX. Supposedly XXXX was made aware of an application for a credit card by Barclays. Upon doing some checking I learned that Barclays is the company that issues credit cards for XXXX XXXX. I do not shop at XXXX XXXX and have never applied for a credit card with them. 

When attempting to contact Barclays and XXXX XXXX by telephone, I could not make any progress because, since I did not have an account number to give them, they did not seem to want to accept my call. Very frustrating. 

I more or less dropped the ball on this and didn't make further attempts. Then today I received an email from another company I had never heard of, XXXX, informing me they had received a credit card application from me. I immediately called their office and was able to get that application halted and made them aware I had not made the request. 

Because of this second attempt to get credit in my name I decided I must get the the bottom of the first attempt at credit fraud and XXXX is telling me I must file a report with your agency and go through the channels to get this error removed from my credit report. 

XXXX has now placed a credit freeze on my account with all three agencies, however, to get my XXXX score back to what it had been, I have been told I must file a report with your agency. Your help will 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 2022-10-06
Company: JPMORGAN CHASE & CO.
State: LA
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 noticed an inquiry on my credit report that I did not do. This needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
HHRG, a Medical debt collection agency, Has been continually harassing me daily. Its seems as if they three debt on which they are trying to collect on. HHRG isn't the original debtor and they do not have any of my signatures on the paper work. Instead of my signature it says " signature on file ''. I do not trust this company. Why would my signature be on file with them? They call me everyday from different numbers and leave a prerecorded voicemail every other day. The use of auto-dialing technology and the use of pre-recorded voicemails is illegal since it violates the TCPA and FCRA LAWS. I have verbally revoked their right to call me as I have not given them permission to call my personal cell phone. They sent a itemized bill XX/XX/XXXX and a final notice on XXXX XXXX but have not validated the debt or stopped trying to collect. HHRG 's final notice was derogatory and threating. I have 18 prerecorded voicemails saved on my phone which seems a bit extensive. I am in pursuit of recovering damages for their illegal debt collection practices. I have not been employed since XX/XX/XXXX due to a workman comp injury.

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 2023-10-08
Company: Lockhart, Morris & Montgomery Inc.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I attended XXXX XXXX XXXX XXXX in XXXX of XXXX. I was given an initial contract showing the program would cost no more than {$9000.00} once completed. I was assisted through the process of filling out my FAFSA and was qualified to receive Pell Grant and other student loans to pay for the program. In XXXX of XXXX  I had still never received my Pell Grant from the school and I also came to find a new contract in my student portal that was never signed by me and had increased the program price up to over {$15000.00}. I was in constant communication with XXXX XXXX ( head of their financial department ) and other administrators regarding the receipt of my Pell Grant that was months over due. In XXXX of XXXX I decided to exit the program and not allow the school to take out anymore student loans in my name. I still had not received my Pell Grant when I left, but I stayed in communication to ensure I received it. On my exit paperwork ( that I will include in my documents ) when I decided to withdraw from the program- I owed no further amount to XXXX XXXX, but they owed me {$3000.00} for my Pell Grant that I was told would be released to me. I continued correspondence with XXXX XXXX and finally received my Pell Grant from the school in the amount of {$3000.00} in XX/XX/XXXX. It was in XX/XX/XXXX that I was made aware that I had a collections account added to my credit report by Lockhart Morris & Montgomery for the amount of {$3000.00} dollars naming the original creditor as XXXX XXXX XXXX XXXX. 
There was never any arrangement or personal loan given to me by that institution. This representation on my credit is nothing short of fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On this date XX/XX/2022 I received a court summons indicating midland funding 's, llc has filed a lawsuit against me. 

After looking at the complaint and the documents I see that the plaintiff is attempting to file a lawsuit against me for a debt that does not belong to me. They did not include copies of the signed credit application. 

I'm not sure what to do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CREDIT CONCEPTS, INC.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Letters were sent to the 3 credit bureaus on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 I received notification this was deleted from my credit report, yet it still remains.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Beginning XXXX, XXXX up to and including XXXX, XXXX, the Bank charged my checking account a Client Analysis Fee that I never agreed to neither was I consulted about ( See Exhibit 1 ). In addition, the Bank, for same period, charged me the regular service charge, to which I agreed ( See Exhibit 2 ). The so-called Client Analysis Statement is a fraud designed to deprive customers of their funds in order to increase the Bank 's profit ability. I wonder how many customers have been subjected to this fraud. It's important to investigate and rectify this situation.

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 2023-04-25
Company: Resurgent Capital Services L.P.
State: NC
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've recently submitted an offer of performance to Resurgent Capital Services to dispute the Alledged debt for XXXX from the XXXX XXXX XXXX current owner LVNV funding llc.They 're violating federal laws FDCPA by using false and deceptive practices. I sent notice requiring a validation of debt to the agency resurgent capital services, whereby they replied with a fraudulent notice of a verification of debt which isn't a validation of debt. I respectfully urged them to reply to the validation of debt questionaire which they failed or attempted to deceive me by answering with a verification of debt. A verification of debt is not debt validation by LAW. Furthermore they never received any consent to furnish negative information on my consumer report. I have a right to privacy which they are also violating. This is damaging my character ( defamation ) they will/shall be held liable. I have proof of what they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Ideal Collection Services, 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:
This is in regards to Account # XXXX with Ideal Collection Service. I recently disputed this item reporting inaccurately on my credit reports with XXXX, XXXX, and XXXX and the item came back verified by your company. However, on the results from the bureaus there is a different address reporting for the item on XXXX and on XXXX. On XXXX the address for the item is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX AND on XXXX for the SAME ACCOUNT the address is reporting XXXX XXXX XXXX XXXX, FL XXXX. This is information is obviously not accurate and certainly very confusing to the consumer and there are supposed to be by law specific policies and procedures in place for these types of things. I am being harmed financially due to this item and it is being reported inaccurately. Since in my original letter I asked that if the item was not reporting 100 % accurate to please have it deleted and it is not reporting accurately I am asking that this item please be deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX - account is not mine. Shows closed but is not mine and is showing on my reports. Have tried to contact company and can not get any valid response. Have provided them with information to show that the account was not mine. 

Amount : {$7800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I AM ASKING XXXX XXXX XXXX, BARKCLAYS AND XXXX XXXX TO CONDUCT ACCOUNT REVIEWS FROM XXXX ONLY.

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 2022-10-06
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2022 I requested removal of PMI from my mortgage based on XXXX XXXX for substantial improvements made to my home. XXXX, who was the sub-servicer that handled the servicing of my loan on behalf of XXXX approved the removal of PMI based on a reappraisal performed on XX/XX/2022. In early XXXX I received written confirmation that my home has appraised for {$370000.00} or 78 % XXXX at the time of appraisal. I received written confirmation from Cenlar dated XX/XX/2022 that : " We are writing to inform you that you have met the requirements established for the removal of Private Mortgage Insurance ( PMI ) coverage. This insurance has been terminated and no further premiums, payments or other fees for PMI are due. Your monthly mortgage payment amount will be adjusted effective with the XXXX, XXXX payment. '' On or about XX/XX/2022, I received a separate notice from XXXX that my loan was being transferred to Specialized Loan Servicing as the new sub-servicer of my mortgage account. 

I have sine received a mortgage statement from Specialized Loan Servicing with a due date of XX/XX/2022 and the original payment amount of {$1600.00} is shown as due. This is not reflecting the amount of reduced escrow of {$72.00} which is no longer due since PMI has now been cancelled. 

I have called and spoken to no less than 4 representatives between XX/XX/2022 and XX/XX/2022. I was told to send the letter from XXXX indicating PMI was cancelled effective with my XX/XX/2022 payment via email to XXXX, which I did on XX/XX/2022. I also emailed a " Notice of Error '' to the same email address. Neither email has caused SLS to resolve the issue and now the incorrect payment amount is past due and I can not get the issue resolved.

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 2017-10-05
Company: Experian Information Solutions Inc.
State: SC
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:
When I tried to get a refi loan on my home. I was told I had co-signed on a car loan at a XXXX XXXX XXXX in XXXX XXXX, CO on XXXX XXXX. It is a joint loan with an XXXX XXXX XXXX and was given a name of XXXX XXXX. My name is not XXXX XXXX and I do not know who this person or person ( s )  are. I reported the error to Experian and they refused to remove this person from my credit report. I have since contacted the police in XXXX XXXX, CO and they are investigating the incident. I do n't know if they have used my social security number or my deceased husband 's but need to have this corrected as soon as possible. I ca n't seem to talk to a person at Experian so need some help getting this corrected asap. Experian seems to take the side of the credit union instead of listening to me. It is very frustrating. The same error is on my XXXX credit report. Thanks for your help.

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 2023-10-08
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX  engaged in fraudulent practices by failing to deliver approximately 50 % of the merchandise for which I paid a total of {$67.00}. I promptly returned all items as per their policy. However, XXXX XXXX XXXX is refusing to issue a full refund, which goes against their stated policy. Additionally, Santander Bank has repeatedly failed to provide assistance in resolving this matter. I've encountered Santander representatives, such as " XXXX, '' who seem to be located offshore and have handled this situation unprofessionally. XXXX played a frustrating game of putting me on hold off and on for 25 minutes and then informed me that it was his day off tomorrow, suggesting that I should call back and essentially start the dispute resolution process from scratch. Santander 's handling of this dispute has been grossly incompetent, and they appear to trivialize the issue, causing frustration and inconvenience to the customer. REFUND THE {$67.00} TO ME IMMEDIATELY!

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 2023-03-29
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo complaint Spoke to XXXX who transferred me to XXXX in the complaint dept Issue Requested {$1200.00} to move from WF to XXXX XXXX on XX/XX/XXXX The money left WF on the XXXXXXXX XXXX XXXXXXXX and was not received by XXXX XXXXXXXX until the XXXX XXXX XXXXXXXX I decided to test money movement the other way. On XX/XX/XXXX I asked to transfer {$100.00} to WF from XXXX XXXX and it was posted into WF in one day on XX/XX/XXXX In speaking to XXXX I told her that I wanted to find out which government agency I could report this to as it appears at though WF is using my money. 

Also Wells Fargo requests that their credit card payment to the Active Cash WF card be in four days before the account closes. The money is going from Wells Fargo to Wells Fargo and on the bill pay web site it says same day transfer. Again they are using my funds.

Why does the money take one day going in to my account and 6 days to post to another bank. They should be sending bank to bank electronically. 
CASE NUMBER XXXX XXXX She told me that I would receive a call within 10 days

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 2023-10-08
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to notify this company that I refuse to pay this alleged debt and that I now order TRANSWORLD SYSTEMS INC and all its affiliates to Cease and Desist all communications with me unless it is to inform me that all collection efforts are being terminated. PLEASE SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am filing a complaint on Auto Now Financial Services. This company is fraudulent. I purchase a XXXX truck in XXXX of XXXX. I purchased the extended warranty with the vehicle. By XXXX engine had blown..I paid the XXXX deductible, put the car in their shop where it sat for almost three months. They then allowed an outside vendor to do the work on my carwithout even telling me. Then they could not get a hold of the people that had my car to get it back. I was lividand know this can not be legal. They agreed to put me in a new vehicle, which is the car I have now. It is a XXXX XXXX. I have been making payments o this car for about a year of almost XXXX a monthmind you..this car is a XXXX vehicle. I made a payment of XXXX on XX/XX/XXXX which brought me current..and the. On XX/XX/XXXX they pulled another XXXX off my card without my consent. They continue to charge me for a warranty I requested to be cancelled 4 months ago. I. Called today and spoke to XXXX. I wanted to know why I can not access the online portal to make my payments. I advised him that although my account is current .the portal reflects my last payment being made in XXXX.and showed me behind 2 payments. I was told the online portal is being updatedwhich I find hard to believe because I was told the same thing about 4months ago. I told him that I have a right to be able to see my account details including my principal going down on this loan. He hung up in my face. I called right back. He answered the all. I asked for a supervisor and he hung up in my face again. I called again. XXXX answered. I asked for a supervisor. She told me he was in training. WhenI explained to her why Iwas upset and wanted to speak to a supervisor she hung up on me also. I am livid. I have a right to have inwriting where my account stands and the breakdown of my payments and there is no way they should ring business treating people the way they do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am not getting any updates as to where my refinancing status is. I started this process back in XX/XX/2020 and still have not been closed. I have been told not to make my mortgage payments for the last several months because I was told everything would close within that month. So I had to continuously scrape up money to go backwards and pay the mortgage for prior months, which also included late fees. This is getting to be more stressful and upsetting. I have reached out several times to my loan officer and I get no responses. I have sent complaints through the companies website. No response. This is becoming a financial burden, and I need it to be closed out as soon as possible. It has been six months.

I have saved all the emails I have between me and my loan officer si nce the start of the refinance process, which also include my concerns/complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: OneMain Finance Corporation
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:
A letter was sent my Mother 's home in XXXX XXXX  from an Attorney 's office by the name of XXXX XXXX XXXX, XXXX. The letter was dated XXXX XXXX, 2022. 

I returned home to have my family in early XXXX and when I returned to XXXX, XXXX  a wrote a letter this attorney 's office requesting " Validation '' on XX/XX/2022. I never received a response from them. I wrote to them again, on XX/XX/2022 regarding their initial letter to me, regarding this alleged debt. I have yet to hear from them. 

This account is listed under One Main Financial on all three ( XXXX ) credit reporting agencies. I attempted to contact XXXX XXXX directly, and their customer employee stated that there was not a file under my name and social on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation