BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The account for XXXX is fraud. I have contacted them with a cfpb and an ftc complaint with an affidavit showing this is fraud. They refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Debt Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While reviewing my credit report on XXXX I notice a mark against my credit report from a company that I did not recognize. I filed a complaint through XXXX  however, nothing has been done. 

I then contacted Debt Recovery Solutions , LLC ( original Creditor Name : XXXX Mastercard ) who apparently holds the debt. I asked them to provide me with documentation of when the account was open, and any documentation of a signature. As of XX/XX/XXXX, I have not received any information. 

According to what is showing on my credit report the account was open XX/XX/XXXX. I don't recall ever opening an account, receiving a card or using a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Mediation Recovery Center
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MRCI has reported a alleged debt to the three credit bureaus. I have sent a letter for validation of this alleged debt and have not received a response. MRCI is in violation of the Fair Debt Reporting Laws and Fair Debt Collections Laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital one Bank /XXXX XXXX , XXXX XXXX XXXX XXXX , are trying to collect a credit card debt of XXXX in civil court XX/XX/XXXX in XXXX , TN. I have XXXX XXXX XXXX and on XXXX. I started XXXX XX/XX/XXXX. I closed this account XX/XX/XXXX at that time after making a payment the csr informed me that late charges and fees would still be added to the account of approx. {$1400.00} which is now XXXX. I tried to get a home equity loan and was told Capitalone Bank do not do home equity in TN. After getting a letter from the above law firm ( that talk to you as if we still live in slavery time ), I tried to get a auto loan from Capital one XX/XX/XXXX and was turned down because the csr said they do not refinance vehicle. My medical condition I can not do alot of walking especially in hot humid weather if I make it to the courtroom XX/XX/XXXX I may not be able to speak loudly.if I don't pass out. XX/XX/XXXX I am schedule to have a consultation on getting a reverse mortgage to pay this debt and others with the equity in my home.CFPB # XXXX. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I been unemployment since XXXX I ask shellpoint morgage to please put the amount past due to the end of the loan they replied they can only put 3monts and that I need to pay at least {$5000.00} that I dont have and still my payment is going to be {$2000.00} a month please help me my mom is a senior citizen on {$550.00} a month I'm still unemployed now to make it worse my unemployment beneftscare on hold since mid XXXX please help ous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: ENCORE CAPITAL GROUP INC.
State: MS
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 noticed a collection on my report from Midland Funding for XXXX XXXX XXXX in the amount of {$710.00}. I reached out to the Collection Agency informing them of the debt not being mines and they have failed to respond and removed the collection from my account. This debt that does not belong to me has been detrimental to my credit history and has hindered me financially. A copy of a bill is not validation of a debt because anyone could have submitted those payments to XXXX XXXX XXXX. XXXX XXXX XXXX   and Midland Funding have no sign contractual agreement that states that I was the authorized user of said account and that I have gained from the tradeline ; also they have ignored many attempts that I have made to have this erroneous item removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, Wells Fargo Bank automatically paid an internet social media subscription vendor called XXXX XXXX {$89.00} for a 6-month renewal fee from my Easy Pay Debit  Card account. This happened despite the fact that I had previously emailed XXXX XXXX  to change my subscription plan to a lower {$59.00} fee. XXXX intentionally delayed in replying to me so it could charge me {$89.00}. The original 6-month fee I paid to XXXX XXXX in XX/XX/XXXX was only {$44.00} and their automatic {$89.00} charge was sprung on me by surprise. I fear Wells Fargo Bank would have automatically paid out any amount XXXX  XXXX charged me without ever bothering to get my re-authorization first.

I immediately phoned Wells Fargo Credit Card Claims Assistance to file a claim that I had been overcharged {$30.00} ( {$89.00} - {$59.00} = {$30.00} ). Wells Fargo confirmed to me that {$30.00} was refunded via their Claim # XXXX. I thought this resolved the matter.

However, XXXX XXXX subsequently sent me emails that since Wells Fargo had a " claims investigation pending '', they had cancelled my subscription entirely and I would have to pay them {$59.00} again to restart it. As far as I knew, XXXX XXXX already had collected and kept {$59.00} from my {$89.00} payment. But XXXX XXXX insisted I would have to get that refund from my " bank '' which is Wells Fargo.

When I contacted Wells Fargo Claims again by phone I was told the case was closed and could not be re-opened. I even wrote a letter with full email documentation to Wells Fargo Senior VP for Claims Assistance XXXX XXXX XXXX about this, and he ignored it. 

So XXXX XXXX insists Wells Fargo must process my {$59.00} refund, and Wells Fargo refuses to do anything about it. Given Wells Fargo 's history of questionable banking practices, it may have created some internal procedure to keep my {$59.00} for itself. I would consider that fraud! 

I am already siphoning my accounts to other banks that provide proper customer service.

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 monetary relief
Consumer complaint received 2018-03-21
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/XXXX I have notice over five inquiries on my credit report which i did not give any permission. 

there were no permissible purpose in which any of these companies to pull my credit and or place any inquiries and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: AES/PHEAA
State: NJ
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:
MyFedLoan was my loan servicer up until recently. I have refinanced. 

In XX/XX/XXXX, the interest on my loans capitalized because ( the company claims ) that I did not submit timely income verification documents. The total loan balance increased from about XXXX ( and change ) to about XXXX ( and change ). After months of fighting, MyFedLoan admitted that the capitalization was in error. According to the company, the capitalization was " reversed '' in XXXX of XXXX, and ( allegedly ) backdated to the date of capitalization. 

For the last few months, I have been trying to verify how that capitalization was applied to my account. I have spoken with representatives as recently as XX/XX/XXXX and XX/XX/XXXX. This has been going on for months, and no one has been able to show me HOW the capitalization reversal was applied despite numerous requests. I am only told that the capitalization was reversed and applied. However, the balance of my loan was NEVER decreased to reflect that capitalization ( except to reflect payments I made myself ). Nonetheless, I continued to make on-time payments. I have never missed a payment while a MyFedLoan customer. 

In addition to the capitalization problem, I recently discovered that the interest on every single one of my loans ( subsidized and unsubsidized ) increased from XX/XX/XXXX to XX/XX/XXXX. Ironically, this is the same time period that the company claims that the interest capitalization was reversed. For example, two of the loans ' interest increased from {$65.00} to {$450.00}, and from {$76.00} to {$520.00}, respectively. Something is clearly wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: INVESTORS BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Sir/Madam, I 'm very frustrated with Investors bank. I have had a relationship with them for 10 years and they chose to close my checking account after 2 months of no activity. 

I have consistently used that account the last 10 years, to make periodic deposits and to make occasional principal reductions to my mortgage. On XXXX XXXX I made a transfer which processed, and then one in XXXX and XXXX, which were both returned since the account was apparently closed. When I called the bank I spoke to XXXX, and she said the bank should have called or emailed me a notification about the closure, and she would look into it. She called me the following day and advised that they can close the account at their discretion, and never provided me an explanation. I asked to speak to a supervisor, and I spoke to XXXX. She promised to look into it. It has been 3 weeks and I have not heard back. I called and left a message for her on the XXXX. 

My mortgage is paid promptly, and it would be nice to understand why my account was closed without notifying me. The only reason I can see is that their new accounts charge fees, and they want to migrate their clients to those more profitable fee based accounts. 

Does n't feel like IB really wants my business. 

Thanks so much for your assistance. 

Kind regards, 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 2019-04-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been disputing these accounts with XXXX, XXXX and Experian they keep coming back with updated and verified I have sent XXXX XXXX several validation letters and they have not sent me anything in the mail. I have also reported to the FTC to see if I may obtain more help. The credit bureaus say it was updated and the update has not changed its like they are not investigating. I have XXXX bank and XXXX XXXX Bank that sold the accounts to XXXX 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 non-monetary relief
Consumer complaint received 2019-04-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been disputing these accounts with XXXX, Equifax and XXXX they keep coming back with updated and verified I have sent XXXX XXXX several validation letters and they have not sent me anything in the mail. I have also reported to the FTC to see if I may obtain more help. The credit bureaus say it was updated and the update has not changed its like they are not investigating. I have XXXXXXXX XXXX and XXXX XXXX XXXX that sold the accounts to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NATIONWIDE IS REPORTING INACCURATE INFORMATION ONTO MY CREDIT FILE DUE TO IDENTITY THEFT. I HAVE NEVER HAD ANY DEALINGS WITH NATIONWIDE RECOVERY NOR THE COMPANY XXXX WHOM THEY REPRESENT. I HAVE NEVER HAD ANY TRANSACTION RELATING TO THESE FOLLOWING ACCOUNTS. 

NATIONWIDE IN THE AMOUNT OF {$1900.00} AND {$68.00} AND {$72.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: NATIONS DIRECT MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I apply in XX/XX/XXXX for loan assumption, on XX/XX/XXXX the Assumption Department told me that the assumption got approved and be will reported on XX/XX/XXXX and until now XX/XX/XXXX I did not get any answers even do I been call and spoke with customers services supervisors several time were they told me it will be reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they are playing with me making spend my time several hours, not body telling me the true today XX/XX/XXXX, another customer service told me that, the company XXXX XXXX XXXX do not report anything to the credit bureaus, because they don't have to do so, and I spoke with his supervisor and he told me again the loan will be reported on XX/XX/XXXX, they are not taking serious they job, nobody now what to answers, they provide really bad services, they don't care about the services or the customers, I am frustrated because it is almost 1 year and they not finish the assumption like others loan mortgage who does in between 1 to 3 months the most. The assumption department never can get rich, the customer services does not provide true information, they never calling back, they lie to me. I can not trust this company as my loan mortgage company. They did not report to the credit bureaus and I am paying the house without any missing payment. They look like discriminate to me and with that they are trying to make me miss a payment. I want the loan to be reported immediately with not excuses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: IL
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:
Several inquiries that I never authorized on my consumer 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 2018-03-21
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
XX/XX/ XXXX XXXX XXXX bought my mortgage. I was given a letter saying the auto-payment was set-up before payment was due in XXXX and the letter not making any significant notice of when the auto-pay would start rather hiding it in the body. It was also approved right before a payment was due and through a lengthy process of sending letters back and forth. The payment was never taken and I was given a letter of notice saying I was late. Upon receiving the letter I called and was apologized to, they removed the late fee and had the difference be taken by the next auto-pay cycle. I was promised it wouldn't show up on my credit report and that the auto-pay system will pick up the following month rather than XX/XX/XXXX. Which makes me wonder why in the first place it was scheduled so far off. A few months pass and it shows up, I called back and a woman told me it had to go on the report as it was a missing payment. She said she would not remove it and she didn't know who I spoke with but he was incorrect. I ended up getting a law firm to combat these with the credit bureaus and all but XXXX has removed the item. I am now in the process of buying a home and because of this item not being removed I am at risk of losing out on a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22
Company: EQUIFAX, INC.
State: TX
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:
My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be  verified. FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX Acct # XXXX XXXX/XXXX XXXX XXXX   Acct # XXXX US Department of Education  Acct # XXXX US Department of Education  Acct # XXXX US Department of Education  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: Lowcountry Credit Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my consumer rights. XXXX has reported that I owe a debt to Low Country Credit Inc. XXXX has not provided proof of any original signed documents with my signature on it. XXXX is required by the FCRA to have a copy of the original creditors documentation on file to verify that this information being reported in mine and correct. It is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA XXXX is required to promptly DELETE all information which can not be verified. Information on who verified the accounts is out of compliance with the Federal Law. This is negligent noncompliance Section ( 617 ) failure to comply! XXXX has embarrassed me with the reporting of incorrect information on my credit report. This violation has hindered me from successfully purchasing my first home. I will take all legal remedies available to me to resolve this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: ECMC GROUP, INC.
State: CA
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:
ecmc sent me some paperwork however I 's disputing the fees and interest because they are making impossible to repay for example a loan disbursement of XXXX with a repayment amount of $ XXXX. This to me is unacceptable and doesn't see LEGAL. I also have always questioned the pay back amount and XXXX would never provide info I asked for like how is my repayment at $ XXXX oh actually within the last 2 months it was jacked up to $ XXXX. This is just for almost 2 years of schooling. There is definitely something wrong here with the accounting with ECMC and/or XXXX XXXX University which was in control of the disbursements. I have been asking for the last decade about these overcharges and can't get any help as to my options with disputing these loan charges/fees. I am starting to think that someone in the XXXX XXXX Financial aid office took in money that I didn't know about.

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 2022-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America placed a 9 day hold on a cashiers check. 
Deposited on XX/XX/2022 and was told it will clear on XX/XX/2022. 
I have been making several deposits in my business account even for bigger amounts. 
I always have a hard time dealing with them due to their extended deposit hold practices. 
It is really frustrating when triying to run a business properly.

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 monetary relief
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
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:
Hello I am making this complaint because I am livid! today i reviewed my credit report to find fraudulent items. There are several student loans that have been open without my knowledge and several credit cards that were opened without my knowledge. These accounts are fraudulent and I demand they be removed from my report. These accounts have hurt my credit-likeness. I am currently working with authorities to get to the bottom of this matter. I have filed a complaint with the FTC please see attached

Company response to consumer: Closed with explanation