BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: Navient Solutions, LLC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last Wednesday XX/XX/2019 I started receiving calls on my cell phone (# XXXX) from a company  named Navient (they are apparently debt collector for student loans). I blocked the number immediately after the second call received Friday  XX/XX/XXXX. During this last call I told then that they have the wrong number (in fact I got this number only a few months ago) and to quit calling me. Obviously they did not. This morning XX/XX/2019, they called me for maybe the 10th time, at XXXX XXXX. After a few minutes (at XXXX XXXX) I called them back and told them to quit calling and harassing me, because:
1) It's not my debt
2) I never had student loans. By the way I am XXXX and moved to the US at the age of XXXX, took some classes in college for FREE because my ex wife was a teacher at that college, but I did not tell them this detail
I was pretty upset and told them TO NEVER EVER CALL ME AGAIN, or I would file a complaint with the FTC and the Police for harassment. The person on the phone assured me that my phone was removed from their list. Guess what? They called again at XXXX XXXX Now it's about XXXX XXXX (Central time) and I guess they are going to call again. I am also ready to file lawsuit in state court asking for XXXX for EACH call after the one I have received at XXXX XXXX today, as statutory damages

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Equifax has committed numerous violations of the XXXX the rules, orders, standards and prohibitions governing consumer complaints adopted by the CFPB 's jurisdiction. As a result of this cyber theft my identity was stolen. I have had issues when applying for loans, or trying to purchase a vehicle. To date I have paid over {$1600.00} out of pocket for credit monitoring/ ID protection. To make matters worse I was NEVER contacted by Equifax to make me aware of the situation. I found out via XXXX XXXX XXXX XXXX XXXX and has to utilize my time and money to gain more information regarding this breach. It is utterly disgusting to know such FRAUD has taken place without the consent or knowledge of the people they are impacting such as myself. If Equifax was seeking money from me I can guarantee you they would've made every attempt to contact me. They must be held accountable! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rushmore loan servicing is refusing to work with us during the pandemic. Rufuse forbearance for our hardship. Sent us into foreclosure. Now what?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I deposited XXXX $ in atm machine but after that atm machine took all my money and said error and then never give me back my 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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

ALL INFORMATION THAT MUST BE DELETED IS LISTED IN THE ATTACHED IDENTITY THEFT REPORT 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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm continuously having issues with Transunion and XXXX removing inquiries that they're inaccurately reporting. I've going back and forth with them about inaccuracies they're reporting and am fully aware of they're violation of my consumer rights. These fraudulent and predatory practices are a hinderance to my credit worthiness and outright wrong.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2020-02-09
Company: JPMORGAN CHASE & CO.
State: NJ
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:
i have received a letter on XX/XX/2020 from Chase Bank saying they were closing all my personal credit cards. I reached out to the number listed on the letter but despite being a supervisor the lady could not provide more information than the letter had. which is nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I previously sent a written request to the credit bureaus to block or remove all erroneous and fraudulent item. However, the request was never granted, and no feedback was ever provided by the agencies involved. Now, I'd like to ask for your assistance in getting rid of this item or having the credit bureaus contact me about the problem. Here is the issue that bother me : XXXX XXXX Bankruptcy Reference # : 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 2019-11-21
Company: Fay Servicing, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been waiting for the short sale of this property to be approved and Fay servicing kept on telling us that sale date is on hold. on XX/XX/19 they told us that the bank foreclosed on the property and on XX/XX/19. They lied to all of us. Please investigate this matter ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: FL
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:
I got my free credit reports from the XXXX XXXX XXXX website and after looking through everything, I still see a ton of major errors. Ive disputed these errors myself since XX/XX/XXXX in last year and the credit bureaus failed to delete this wrong information. I sent disputes myself directly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and attached proof of my ID and proof of my address. Theyve had ample time and Its unacceptable that even after these reporting companies supposedly did an investigation of these inaccurate and fraudulent accounts, these blatant errors are still sitting on my reports and affecting my ability to purchase a home. Something has to be done and that is why Im filing a complaint. Ive never received any correspondence or proof of verification from the bureaus. I can only see the notes under these inaccurate and inconsistent accounts on my free credit reports The addresses reporting with all 3 credit bureaus are inaccurate. Its really scary to me that theres all this information like addresses that arent mine on my credit reports and the bureaus refuse to delete it. There are multiple inaccurate collection accounts and activity being reported that I know nothing about with company names I know nothing about. ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or even XXXX  XXXX XXXX that reports an undesignated owner ). This is extremely frustrating and I dont see how the bureaus can claim to have investigated these errors but cant provide any verification or proof of how/where theyre getting this information from and they arent deleting this fraudulent and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a Bank of America Rewards Card. I have had this card for more than 15 years and stopped using it regularly because of Bank of America 's frequent arbitrary credit limit decreases to right above the then existing balance. This unfair and deceptive business practice artificially makes it appear that I have charged the card up to my credit limit. This practice is intentional and causes my FICO score to drop. This has occurred three times during the time I have had the card with Bank of America. My credit limit has been {$5000.00} for several years. My payments are made on time and I have never been over the balance. My current balance is approximately {$2700.00}. In XXXX of XXXX, I received a notice that my credit limit has been again decreased to {$2800.00}. Just less that {$100.00} from my then exiting balance. They might as well have closed the card. More recently, on XX/XX/XXXX, Bank of America closed my Credit Card shortly after I paid off my balance. The card at the time had a {$2800.00} credit limit with zero balance and had never been late. This unfair and deceptive trade practice by Bank of America will cause my credit score to be artificially lowered because my credit profile will now show a credit card that has been " closed by grantor. '' B of A did this intentionally to harm my credit and punish me for filing previous regulatory complaints, and because of my Race-XXXX American.

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 2020-12-09
Company: Paramount GR Holdings, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an escrow analysis from LoanPal that is based on an incorrect real estate tax amount. My loan payment was increased to {$5000.00} of which {$2500.00} is the escrow amount. At this payment amount, I will be paying {$30000.00} to escrow for the year when my total taxes and insurance will be {$19000.00} for the year. I reached out to customer service on XX/XX/2020 to rectify the situation. I was told that I could not speak directly to the tax department as they do not take phone calls. Instead, I had to email my current tax bill to XXXX. I sent the email and received an automated response that my email had been received. I was told that the issue would be resolved well before my XX/XX/XXXX payment needed to be made. On XX/XX/2020, I had not received a response, so I again called customer service. They told me they had no record of the XX/XX/2020 email, even though I had received an automated response. I resent the email and was told it would be 48 business hours before I would receive a response. I asked to speak to a supervisor to expedite the response as I had already inquired about this on XX/XX/XXXX. The supervisor told me that there was nothing she could do to alter the process. I called on XX/XX/XXXX and was told that a resolution was expected XX/XX/XXXX and that the investigation was still open. I asked to speak to a supervisor XXXX XXXX XXXX and was told that nothing was being done, because a request for an escrow analysis was never sent to the tax department. She asked if I wanted to do that and I asked what have I been asking for since XX/XX/XXXX??? She put the request in. Since that call it was obvious they needed to be contacted everyday to make sure they were actually working on the case, I called again XX/XX/XXXX, XXXX and XXXX. I was told today to call back Thursday morning XXXX XX/XX/2020 XXXX to find out if the request has been completed. At this point, I have no faith in their system and have a payment due by XX/XX/XXXX for the incorrect, fraudulent amount. I have been asking since XX/XX/XXXX what my correct payment amount is. I also sent a XX/XX/XXXX package ( XX/XX/2020 ) with a letter and all the details to XXXX XXXX, CEO. As of XX/XX/2020, I have not received any response from XXXX nor do have answer to what my correct payment amount should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Consumer law stays that all consumer should have a equal and fair credit report, ,I paid for service and my credit score should be equal to rapid rescore,,, I have children and need a home for mortgage and also as well as a business, my score should be up by 100 or more, XXXX,,, please update my rapid rescore for credit for mortgages and business,,

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 2023-08-05
Company: SYNCHRONY FINANCIAL
State: SD
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:
I just seen on XX/XX/XXXX the jvoennys is reporting that I opened a new credit card. I DID NOT

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 2019-01-10
Company: BB&T CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I purchased/financed a XXXX XXXX XXXX XXXX XXXX through XXXX XXXXl for {$21000.00}. On XX/XX/XXXX I place the XXXX for sale on the internet. On XX/XX/XXXX I was contacted via phone/text by a person claiming to be XXXX XXXX from XXXX XXXX LA. After agreeing on a sales price of XXXX XXXX XXXX advised me that all he needed was the VIN # of the vehicle and his bank can wire the payoff to XXXX XXXX. A few moments later I checked my XXXX XXXX account and it reflected a {$0.00} balance and that the loan was satisfied. That night XXXX XXXX set up a transporter to pick up the XXXX. I called the next morning on XX/XX/XXXX and spoke with a XXXX XXXX  representative and she confirmed the payment and advised me that the Title would be available in 20 days and confirmed my automatic payments where discontinued. On XX/XX/XXXX I was contacted by XXXX XXXX and was advised that it was a scammer and a false payment and that the full amount of {$17000.00} was still due and I would be responsible for paying it. XXXX XXXX has a legal responsibility to protect there consumers from fraud and recognizing false routing numbers and account numbers. I have filed a report with my local law enforcement and I am seeking for the loan to be forgiven and satisfied.

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 2020-10-28
Company: WELLS FARGO & COMPANY
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Yes on XXXX I purchase a car XXXX XXXX XXXX, on XXXX I purchase a house maybe when I move the mail get lost and I did not get my title when I paid so at this time when I want to sell my car I look for the title and I remember that I never got it so immediately I when to motor vehicle on the beginning XX/XX/XXXX so I found out when the agent told me that lien release was never send it to them they provide me the wellfargo financial so they can faxed to them and get my title but was not provided because when I called the bank told me that my social security is not the same I provide all the papers including the driver license when I purchase the car the bank account with the amount I was paying I email on XX/XX/XXXX and almost every day I call to see if they need some more information or requirements but every day is something new either don't find me neither with the vin # i feel that I paid my car a XXXX XXXX really very frustrated situation because my car been paid in full.all I want is my tittle something that I paid for.

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 2020-10-28
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The agents at IQ Data reached out to me at my place of work on Wednesday, XX/XX/2020 for a contested debt amount of XXXX, and when I told them I can not take calls from work and I need to speak to them after I get off of work, the agent repeatedly badgered me about why I wasn't able to just transfer funds. When I explained that I was the only one at work and I can not have my phone out at work, the agent stated he found it hard to believe I was the only one at my place of employment and that he doesn't understand why I won't just take care of the debt right then and there. He repeatedly raised his voice and talked over me, even though I asked multiple times to talk later since I was at work. I told him it was inappropriate to take up phone time at my job, especially when I am not to be conducting personal business at work, and that I had patients in the lobby to attend to, as I work at a chiropractor 's office. I am the only front desk and the doctor is the only other employee at this location. I eventually had to hang up as the agent refused to listen to my requests to not be called at work and continued to raise his voice and argue with me. He also asked why I had to wait until I got home to transfer the money since they close so close to the time I would get home.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX {$600.00} I have not lived at these apartments and I have been disputing these charges for years since COVID 19. I need for these to be deleted off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
NAMES: I need names deleted that I have never used: XXXX XXXX and XXXX XXXX.

ADDRESSES: need old addresses removed: XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX

EMPLOYER:  Remove " XXXX XXXX" and add Current Employer: 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 2019-08-20
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Discover Card called me to say that they had a clerical error when my resolution of debt was paid off that resulted in me owing $XXXX extra. Discover calls daily 4-5 times a day and leaves a voicemail at XXXX:XXXX   every day. I've told the supervisor who I originally spoke with that I'm available around XXXX:XXXX for lunch to talk. The numbers they call me from are XXXX-XXXX-XXXX and XXXX-XXXX-XXXX. They called me today (XX/XX/19) at XXXX:XXXX XXXX and left a voicemail, and again at XXXX:XXXX. Yesterday (XX/XX/19) I received a call at XXXX:XXXX that left a voicemail and then called again at XXXX:XXXX, XXXX:XXXX, XXXX:XXXX, and XXXX:XXXX. Additionally, I've received NO physical notification to indicate what the debt actually consists of.

Company response to consumer: Closed with monetary relief