BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
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:
This debt is not mine. In accordance with the FCRA prior to reporting this debt XXXX  XXXX had a legal obligation to mail a notice to me of any debt they felt is owed. XXXX  XXXX is unable to provide copiers of these notifications because I was never notified. This debt is not mine and it is not valid. If a debt was owed to XXXX that balance would have transferred when I moved to my new address. It did not because nothing was owed. My XXXX account number is XXXX XXXX XXXX XXXX. XXXX  XXXX had my address if this debt was valid they had multiple opportunities to contact me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Grant Mercantile Agency
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:
Great Mercantile Agency has initiated a negative credit collection on all credit agencies but i have no knowledge of any debt owed to them or any other entity as i have paid any and all debts. Therefore, this is either fraudulent or a grievous mistake by Great Mercantile Agency. This claim must be removed from all credit reporting agencies please as it is groundless. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Cascade Capital, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a summons that I will be in court from Cascade Capital LLC. I had bought a car in XXXX, was XXXX through the government and put on XXXX, and had to give the car back. Now it's XXXX I'm going through a divorce, I '' ve not heard anything about this, Cascade is not on my credit report, the XXXX loan says I owe nothing on my credit, and I am trying to work because Im help paying for a lawyer, and my husband sold my car, so I'm trying to get a car. I've had to quit two jobs already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Business Fundamentals Checking account under the promotion of deposit {$20000.00} in 60 days and complete 10 transactions for {$500.00}. 

I went IN-BRANCH to a teller in XXXX XXXX, NV while on vacation to deposit my remaining {$13000.00} to meet the {$20000.00} requirement. While there, the banker verified that I had the {$20000.00} deposited and the 10+ transactions posted. I then have waited over 4 months for the bonus to post. 

I now finally have time to sit down and escalate this even further, as I have not been able to get this promotional bonus I earned.

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 2021-02-13
Company: Experian Information Solutions Inc.
State: VA
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:
After I filed complaint about an inaccurate balance showing as past due Experian fixed the issue with the balance. However, the balance was paid in full in XX/XX/XXXX, yet the report now shows the account was in collections until XX/XX/XXXX. This is inaccurate. I paid off the balance in XX/XX/XXXX and then there a mistaken tax bill sent in XX/XX/XXXX, which was cancelled. There was nothing due from me after XX/XX/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 2021-02-13
Company: AMERICAN INTERNET MORTGAGE
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested and received a forbearance on my mortgage for 90 days. This covered payments normally due XX/XX/XXXX - XX/XX/XXXX. I had made the three previous payments for XXXX XXXX XXXX ) and was up to date at this time. 
I resumed payments starting in XX/XX/XXXX and have made all payments since then. I requested and was given a deferral for the 3 payments during the forbearance period, moving them to the end of the loan term. 
I was in a bankruptcy at the end of XXXX but did not miss any payments, and entered into a reaffirmation agreement with the mortgage holder in XXXX. 
Since XX/XX/XXXX, the mortgage holder has claimed I am one month behind every month. They have sent me notices of Breach and threatened foreclosure. I have tried more than a dozen times to clear this up with them, and each time the person I speak with gives me a different reason for the problem. No one so far has been able to tell me what month I missed. 
I have provided proof of payments to them, but they have not acknowledged this. I have given the dates of all payments to several people on the phone and all of them have agreed the payments were made, but still insist I am behind, possibly from years ago. No one seems to know. 
This seems to me an attempt to collect a deferred payment in violation of XXXX XXXX rules ( it is a XXXX XXXX  loan ) and the CARES act, as it has been suggested several time by the mortgage holder that paying the deferred payments would solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Franklin Collection Service, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had a history of problems with XXXX XXXX XXXX emailed corporate office several times. This is the final straw, XXXX XXXX XXXX stating I owe them a past due balance when my account was closed at a XXXX balance. I was told over the phone on a recorded line that since I was moving to a area they didnt not cover I did not have to pay a early cancellation fee. My triple plan service was closed and I returned all the equipment back. They didnt even cancel my cable service but I returned my equipment. I explained I was moving and need all services taken care of. 
Now I see on my credit report that I supposed to owe them. I dont owe XXXX XXXX XXXX anything. 
I want this to be removed off my credit report and for them including XXXX XXXX XXXX to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: BANCO POPULAR DE PUERTO RICO
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 we requested to close our Banco Popular Puerto Rico savings account. Was informed that it would take 5-10 days to receive the funds. Have made contact with them on a weekly basis and have been informed that we would be receiving the check shortly. To date, we have not received anything from them. I have documentation from the bank of when the request was done and information they requested from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EQUIFAX, INC.
State: MS
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 have disputed some of the accounts that were having late payments with the credit bureau for several attempts, to no avail. I have paid my obligations on time which is not ..Please CFPB help me out here and remove the accounts, you are my last hope. The following accounts are inaccurate XXXX   XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: EZCORP, INC.
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I took out a payday loan in XX/XX/XXXXXXXX for {$440.00} from EZ Corp. In XXXX XXXX Iowa. This is n't the first call that I have received from this shady collection company. They claimed that their name is XXXX Investigations and that there is a pending criminal case being held against me, and that I will have a warrant issued against me and they will come to my work or home and pick me up and process me at the police station. they also called my XXXX year old grandmother and used the same scare tactic on her about me, she called me very upset and concerned. I called this company back and they said that my balance was {$2000.00} with attorney and court fees. I told them I would try to take care of this even though it was included in my chapter XXXX bankruptcy in XX/XX/XXXX. They said they would contact whoever to see if they could get the charges dropped and get me into a repayment arrangement. They came back with {$790.00} which is still way higher than what I actually owe, they said I have until the end of today to pay that amount or the charges were going to be pursued further. when I notified the woman that I could not afford that amount. and i told her that the call was being recorded she became irate and combative and hung up on me. She also gave me an address of XXXX XXXX XXXX XXXX XXXX Texas XXXX I 'm not sure if that is a good address or not of if she gave me a bogus address. She said her name was XXXX XXXX and the phone number she gave me was XXXX. I believe she now blocked my phone number from calling her because I can no longer reach her and it goes right to voicemail. I contacted the original creditor which appears to be out of business now, which is no surprise if this is how they handle business, but it had a voicemail to leave messages and they said that I will get a call back within 7 business days. When they call me back I will find out exactly who they placed my debt with and the Real name and contact information to the company that is harassing me and my family members. Once i told her i was filing complaints with several offices she said do what you need to and hung up. i said i would pay what i owed if she did n't use these tactics but once i told her everything was recorded she refused everything. She continued to hang up on me.

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 2019-04-01
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:
The facts that I know is that an inquiry was placed on XX/XX/2019 by Equifax Mort. The address that shows up is XXXX XXXX, NJ XXXX and their phone number is ( XXXX ) XXXX. After contacting Equifax Mort on XX/XX/2019, I was informed that XXXX was the one that used the software for this inquiry. I was given a reference number and instructed to call ( XXXX ) XXXX. After doing so and providing my name, it was mentioned there wasnt any information in the system at the time. 
In addition, a person by the name of XXXX contacted me from XXXX and let me know that she sees an application started but not finished. I let her know that I never started anything and that Im working with XXXX to get this fixed. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) :  Transactions Not Initiated by Consumer. 
I called the company on XX/XX/2019 and I called Equifax and XXXX on XX/XX/XXXX and XX/XX/XXXX XX/XX/2019 and they have no been any help at all. They said there is nothing they can do. Except to contact the creditor and ask for a deletion letter which I did and still waiting on but have not heard a Yes or No on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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 have called this company numerous times to get this issue resolved but this company is refusing to assist me during this fraud case of someone purchasing a car in my name. I have asked the company countless times to please provide me with a the exact contract executed so that I can review it and confirm that I was not the purchaser but they never complied. I am now asking for this agency to assist me because this untimely error has caused me a ton of grief and struggles financially please help me with this issue.

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 2018-10-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Well fargo customer service keeps calling my work several times harassing me to pay my personal loans of amount of {$8500.00} on XX/XX/XXXXPlease tell them to stop calling my work and exposing my issues to my company. XX/XX/2018. If I'm not there whoever answered the call from work, Well fargo will reveal the reason of the call. That's very embarrassing and also is affecting my work. I'm working with XXXX XXXX XXXX for negotiation. I have informed them to call them instead of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 me and my wife { XXXX XXXX XXXX & XXXX XXXX XXXX } open an checking account at Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX after three day later XXXX XXXX tried to conduct banking business on Monday XX/XX/2018, XXXX XXXX was then informed by the teller that our checking account was suspended. she { XXXX XXXX } then consulted with XXXX XXXX Assistant Branch manager for further information regarding the account, XXXX XXXX reach out to account recovery department, and they informed her that " XXXX XXXX XXXX have a XXXX XXXX dollars that have been charge off by the bank '' XXXX then informed me { XXXX XXXX XXXX XXXX I then reach out to account recovery and branch manager XXXX XXXX they informed me " we can not give you that information and we can close your account without given any reason 's " Account Recovery Department informed me that " if you removed your self from the checking account XXXX XXXX XXXX can continue to have her checking account " on XX/XX/XXXX XXXX we have received letter by mail stating ; " We have blocked the accounts ( s ) above and will close it soon. We're doing this because of recent activity on the account ( s ), or because you didn't provide information we requested " reason 's  given by the bank was not accurately given. there was no fraudulent activity on the account and we have provided all the information requested, Chase bank is continually refusing to address my concerns first, XXXX XXXX dollars was included in bankruptcy eight years age, secondly, refusing to give reason 's why Chase Bank does not want me on the account. It appears that Chase Bank is engaging unfair discriminatory practices and mistreatment, this is violation of my civil rights Title 18, United States Code, Section 242

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
I have been asking this CRA to provide a consumer credit report since XX/XX/2021. With each request, I provided my Identification, a current utility bill and also my social security card. equifax continues to IGNORE my request. I have sent in a request 4 times with identifying information only to be denied my consumer report. Also, they will not allow me to access my consumer report online. I also provided proof to this CRA about the numerous unauthorized inquiries on my report only for them to tell me, inquiries are a factual report, which we all know is another LIE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I submitted a letter to my mortgage company requesting the removal of PMI due to me reaching 20 % equity in my home. On XX/XX/XXXX a home inspection was performed by the mortgage company and paid for by me to assess the value of my home. I receive numerous emails from the mortgage company indicating the " new value '' of my home is {$390000.00}. My current mortgage balance is {$230000.00}, resulting in an LTV ratio of around 60 % ( or 40 % equity ). Despite this, the mortgage company continues to deduct PMI from my escrow account every month. I reached out to the mortgage company on XX/XX/XXXX seeking explanation of the status of the removal of my PMI payments. I received no response from the mortgage company and PMI continues to be deducted every month form my escrow account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-07
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called and spoke with a representative about a {$460.00} loan that with interest currently is over {$800.00}. I asked if i pay {$500.00} can they forgive the rest. They replied No, they weren't ready to make a settlement offer. The next day they called that afternoon twice. On the second time i asked them not to call again. They responded by they will continue to call because i owe them. All calls should be recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Care credit claims I owe {$1500.00}. I have requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have requested competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. They stated I have made payments towards this account. I've ask them to send me a copy of the account payments where taken from. Whom the payments where being made from. They said they verified and confirmed my identity over the phone but if I am being threaten or scared into a debt, I am not sure what other information they could have received from me. I am requesting documentations

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 2019-02-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo did not allow me to access my funds this is the second time it has happened causing me great harm because I was not able to do things I wanted with my funds. In addition today I had a very important business meeting. I went to the bank to access a transfer which was sent to me to only find out that it was denied in addition I can not access any of the money in my account or use any of their banking services. I could not even put gas in my car and go to work. I could not purchase lunch once I did get to work

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 2020-05-07
Company: Experian Information Solutions Inc.
State: CA
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:
My Car loan was extended/deferred because of the Covid 19. A statement was placed on my credit report and it dropped my score 52 points and caused me to get denied for a personal loan.

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 2020-06-24
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$160.00} XXXX  XXXX {$64.00} XXXX  XXXX {$590.00} XXXX  XXXX {$340.00} XXXX   XXXX {$1200.00}

Company response to consumer: Closed with explanation