BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-23
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I moved out of the XXXX XXXX  XXXX XXXX on XX/XX/2014. At the time my name was XXXX XXXX last name in now XXXX. We were six months into our lease and we had to move, because my husband was transferred to XXXX Oklahoma for work. We did break our lease, but we paid everything that we owed before we left. After we moved the apartment complex was putting eviction notices on our door ( we have proof of this, someone sent us pictures ). The apartment also had someone move in while the lease was still under our name. We had a lawyer and all. The apartment complex ended up selling the account to a third party collection agency. The XXXX XXXX   XXXX ended up being bought out by a different company. They couldn't/ wouldn't even verify the debt when we tried renting another apartment. The apartment complex needs to report to national credit systems that we don't owe the debt. Since we never owed it anyway, and They sold the debt and then sold the company. I've been battling this for 4 years. Our apartment number was XXXX when we lived there. We lived there for 18 months total.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
In XX/XX/XXXX I found a website called XXXX charged me {$150.00} on XX/XX/XXXX and another {$150.00} on XX/XX/XXXX, but I have never purchased any product or service on that website. So I called BOA to dispute both two transactions. BOA issued me {$310.00} credit in total and told me they will investigate on that. However, on XX/XX/XXXX, they rejected my fraud claim and took back the {$310.00}. I called their fraud department and asked them to show me the evidence that I've received anything from that website. They couldn't so they reopened my claim and started reinvestigation. But, On XX/XX/XXXX, I received a letter said their decision hasn't changed and there is nothing they can do.

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 2020-06-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/20, I reached out to Experian to dispute the information below. I have not received a response. 
1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The status is incorrect for the following account XXXX  XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

On XX/XX/20, Experian replied to a complaint filed with the CFPB stating that the complaint was closed, because they did not feel it was filed by me. I submitted copies of my social security card and proof of address. At no point has Experian made an attempt to contact me for any additional information. This response seems to be a stall tactic for them to avoid complying with the law. This is a valid complaint filed by me, and I demand that this complaint be investigated pursuant to section 609 of the Fair Credit Reporting Act, which Experian is currently in violation of. I will forward this complaint and all correspondence to the Maryland State Attorney General for Experian 's violation of this law.

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 2022-08-10
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was purchased with 11 % down payment in XX/XX/XXXX. In XX/XX/XXXX, I tried to have the PMI removed as my home value had risen significantly, first due to some improvements and updates I made to it and secondly due to the general rise in home prices. Because I had refinanced ( XXXX XXXX  was Investor ) in XX/XX/XXXX, the servicer said that I still had to wait for the loan to be seasoned for 24 months even though I sent a check for the re-valuation of the property. 

Early XXXXXXXX the servicing company changed from XXXXXXXX XXXX to Freedom Mortgage. I waited until after 24 months had passed and in XX/XX/XXXX, I contacted the new servicer to have the PMI removed as by now my property LTV was about 66 % by conservative estimates. 

The servicer, Freedom Mortgage told me in written and on a call that the PMI could only be removed if I paid down the mortgage per the directive of the loan Investor. I informed them that I chose that particular loan because I knew for a fact that it was a loan that I could remove the PMI after the threshold was met. I asked the representatives from Freedom Mortgage if they could give me or show me the process for removing the PMI, and they said I should send about {$29000.00} to them to pay down the mortgage, that it was the only way to remove the PMI. I told them that was not true and that I was going to file a complaint with the CFPB as well as formally appeal their decision, which had no valid basis. I further told them that I hoped my complaint at a minimum will help regulators to force loan services to publish information on criteria and steps to be taken by borrowers who want to remove the PMI from their loans.

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 2017-12-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I went to a retail store to do some XXXX shopping. I had a series of fraud alerts triggered by trying to make purchases with my Chase credit card. I called chase to verify the attempted charges I was told the fraud alert had been removed and that I was free to attempt the charge again. This happened 3 separate times in the same night ... the fraud alert was removed and each time I would go back in the store to make my purchase yet the charge was declined again, I 'd call Chase again, jump through a bunch of hoops answering a bunch of questions correctly, and then reassured everything was fine and to go try the purchase again. Finally after the third time going back in the store for a decline, I called and was told that the latest fraud alert could not be removed and that my accounts were under review by Chase. 

On XX/XX/XXXX I received notification that all 5 of my Chase credit cards had been cancelled. Some of these cards I have had for over 15 years. I 've never missed a payment and have paid my balances in full every month on each and every card I 've ever had with Chase. 

I do not believe Chase is operating within the spirit of the credit card agreement by issuing overly sensitive fraud alerts, and then even after the purchaser 's identity is satisfactorily established by Chase, and with reassurance given to that card holder that he is free to make the transaction, to continue declining purchases over and over again to the embarrassment of the card holder. Then to add insult to injury punishing the consumer by closing 5 credit card accounts which have never had a problem is very dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: KEYCORP
State: IN
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:
In XXXX XXXX, my wallet was stolen while I was visiting my grandmother in XXXX, TN. I noticed fraudulent charges on my Key Bank XXXX even though the card was PIN protected. I immediately reported this to Key Bank. They assured me that they would get this resolved and I was advised by the service representative to not make any payments - until I received confirmation via mail that the charges had been cleared. I never received any sort of confirmation and it is now XXXX. In lieu of the confirmation, I did receive two late charges of increasing value ( I was able to get the first one waived ). In addition to these fantastic gifts from Key Bank, I also began to receive phone calls from their debt collection department saying that my account was delinquent. Last week, I explained in detail to the collections representative ( XXXX ) the aforementioned series of events, and I informed her that I have no issue paying my debt - so long as Key Bank did not report my account as delinquent to the credit bureaus. She agreed to note that in my account details, and said that - as long as I paid the payments for XXXX and XXXX XXXX ( totaling {$160.00} ) - my account would be in good standing and not to worry. Well I paid {$200.00} XXXX Im no mathematician, but Im pretty sure thats {$39.00} more than my overdue balance ). Okay great, so thats the end of that right? WRONG. I log into my credit reports this morning, XXXX XXXX XXXX, and notice that my credit scores had dropped by XXXX and XXXX points since XXXX XXXX XXXX. After some investigation as to why this has happened, I discovered that Key Bank has listed my XXXX as XXXX days overdue. I call Key Bank again with two directives - waive this usurious late charge and correct the status of my account. After many transfers and long holds, the service representative ( XXXX ) advised me that theres no account notes, nothing she nor her supervisor can do, and to contact the dispute department when they open on Monday. Im nonplussed honestly. I went from having good credit to poor - right before I plan to move across country, and get an apartment. How am I supposed to do that now with poor credit? In addition to all of this, I cant even see my account balance. When I go to check it online, it just shows XXXX XXXX XXXX [ **** ] XXXX paydown to {$0.00}.!! DO NOT DO BUSINESS WITH KEY BANK!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Professional Debt Mediation has sent me a notice to collect a debt in the amount of {$4700.00}. This collection agency is not licensed for business in Florida, nor are they registered with the Florida Secretary of State ; therefore can not attempt to collect any debt in Florida. Please remove this account from my credit reports immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 LOOKING AT MY CREDIT REPORT AND I AM INFORMING YOU GUYS THAT I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS OR INQUIRIES DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS WERE AUTHORIZED. REMOVE THEM BC THEY ARE NOT MINDS.

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 2017-12-09
Company: EQUIFAX, INC.
State: OH
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:
Around XXXX XXXX I submitted disputes to all 3 credit bureaus asking them to verify my debt. Around XXXX XXXX or XXXX the only thing I got back was that they verified that with no proof I called all 3 credit bureaus and asked how did they verify it and where is the proof such as a contract I signed contract anything indicating that in fact this was my debt. They told me we contacted the companies I 've been explained the companies never sent me anything so I demanded that it be deleted they told me they would not do that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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 status incorrect

Complaint:
XX/XX/2021 Consumer Financial Protection Bureau Dear Gentlepersons, This is a complaint against Experian XXXXXXXX XXXX XXXX  XXXX TX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX TN XXXX The companies that are listed above are reporting a collection account on my credit report that is erroneous. The listed original creditor is XXXX XXXX XXXX at XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX CA XXXX. I have informed the companies that I paid for services and found that the dentist, XXXX XXXX XXXX, charged my credit card for {$2000.00} even though she was paid by the insurance company for services. The erroneous collection account appeared on my credit reports after I filed a complaint against XXXX XXXX XXXX with the appropriate governmental agencies. 

I am asking for disciplinary action against the three companies listed above and immediate removal of the derogatory collection account on my credit record. 

Thank you in advance for a reply. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : 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 2021-08-19
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XXXX XXXX XXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/XXXX DEPT OF ED Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: MARINER FINANCE, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On or about XX/XX/18 I requested personal finance company XXXX mo to buy out another loan from another company I offered to put up ( 2 ) vehicles valued at over {$7500.00} for a {$5000.00} loan with collateral of these ( 2 ) vehicles their Area Manager only offered me {$1500.00} more and wanted both vehicles as collateral leading me to believe they should be investigated for shady business practices or deceptive loan practices every other loan company offered me the deal however I feel the Office Manager of XXXX has a personal vendetta against me my income wasnt an issue neither credit why are finance companies allowed to only offer {$2500.00} for {$7500.00} in collateral as a consumer I would ask for an answer?

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 2018-02-28
Company: CITIBANK, N.A.
State: CA
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 Wednesday XX/XX/2018 at around XXXX I got a text alert and an email from Citibank informing me about fraud attempt charges on my credit card ( one for {$100.00} and a second charge for {$480.00} ) made at a Credit Union . I contacted the Citibank fraud department through the phone and denied both charges since they were unknown to me. My credit card was cancelled at the moment and a new one was issued to prevent future fraud charges from the two existing ones. Both charges were dismissed from my old credit card with an email from Citibank stating As a Citi cardmember, youre also protected with {$0.00} liability on unauthorized charges, which means youre not responsible for charges you didnt authorize. However, even though the second charge for {$480.00} was dismissed from my old credit card, it still shows on my new credit card. Several attempts have been made to dispute this charge and they have been denied stating by the Citibank representative that is impossible for someone to misuse my credit card information without my consent and things such as card cloning and skimming are impossible and do not exist. The conversation was recorded by the representative on Monday XX/XX/2018 at XXXX. As of now, Citibank expects me to pay for a fraudulent charge I never did which I believe is unfair.

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 2017-12-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I called Wells Fargo on XXXX XXXX of XXXX. I asked them to close all of my accounts because they hold my larger checks for 7 full days and this is HARSH on  the cash flow of a small landscaping business. 

PROBLEM # 1 - THIS OLD DELAYED BANKING SYSTEM SUCKS. WE HAVE PUMPED BILLIONS INTO COMPUTERS. THIS DELAYED SYSTEM IS ABUSE OF SMALL BUSINESS TO THE GAIN OF ONLY BANKERS. 

When they closed my accounts, I asked them clearly to " Stop any and All Outgoing Payments. '' They clearly agreed. Then I found out that they kept paying automatic payment requests and are charging me overdraft fees as well! 

I asked them to stop ALL PAYMENTS. Do not pay any automatic drafts. Pay nothing ever again!. I told them I had a lot of things coming through that account and that it would take time to get it all corrected, and that I would do it. 

PROBLEM # 2 THEY LIE, STEAL, CHEAT, and BREED GREED. 

They also told me when I closed my accounts that I would have access to my digital records. The day I called and complained, they locked me out of my records and put me in collections. Now I have to do business taxes from a PDF! That is going to cost me a fortune in labor!!! 

PROBLEM # 3 : THEY LIE, STEAL, CHEAT, and BREED GREED. 

I attached the statements. It show some deleted charges, but when I call, they still say I owe the negative 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 monetary relief
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I settled this debt back in XX/XX/2012 and now another company is attempting to collect on this debt. Threatening to sue me and take me to court. I contacted Convergent and they confirmed verbally this debt was settled and closed. But will not provide me documentation stating the debt has been settled and closed.

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 2021-08-19
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 US Code 1681 the former was reporting inquiries without my permission and the latter was accuracy and fairness of credit reporting. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation