BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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:
There are 5 accounts appearing on my credit report from all bureaus that are reporting incorrectly since they do not belong to me. I have tried to dispute these items since XX/XX/2020 but each time they have no answer for me I opened an FTC report and reached out to the bureaus via phone calls but I am getting the run around and I feel like they are working on convenience and will not help me. I am at my wits end with this. 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2200.00} XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$2700.00} XXXX CARD - Acct # XXXXAmt {$3900.00} XXXX XXXX - Acct # XXXXAmt {$12000.00} XXXX XXXX XXXX - Acct # XXXXAmt {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
when i bought this vehicle and good a loan from crystler capital I paid for GAP insurance and that means that the loan would be paid off if something ever happened to the vehicle. and it was totaL LOSS ON XX/XX/XXXX 2016 no regular insurance I have GAP insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dovenmuehle mortgage has been reporting erroneous and inaccurate payment history to all 3 credit reporting agencies. On XX/XX/2021, sent two separate formal emails per their protocol asking them to remove derogatory and inaccurate reporting and they promised to conduct investigation and remove if erroneous, but no investigation has been completed and we are passed statutory 30 days. 
They are in violation of Federal law and need to be reprimanded. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
fraudulent withdrawl that chase refuse to fix please refund the XXXX unauthorized FDIC will be filed if not fixed will File FTC violations also if need to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Franklin Credit Management Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have lived in my home for several years. I initially had XXXX mortgages ( $ XXXX and $ XXXX XXXX but they were ultimately combined to XXXX lender, as a part of the nationwide foreclosure fraud finding matter. My mortgage was modified and I have paid XXXX note for over XXXX years to XXXX lender. In the last year, I started receiving notices from different lenders advising that I was behind on the $ XXXX mortgage. Ultimately those lenders morphed into XXXX XXXX XXXX XXXX XXXX, as Certificate Trustee on Behalf of Bosco Credit XXXX. When I advised that I knew that there was only XXXX mortgage because it had previously been combined by XXXX, they could offer nothing to support otherwise. I confirmed the same with XXXX, where a supervisor advised that the loans were combined. They still however took me to court where I appeared pro XXXX and a XXXX XXXX Georgia XXXX XXXX awarded them by home, I have appealed. The court never allowed me to present evidence from XXXX that would have supported my assertion. But I have researched them and this appears to be their modus operandi all over the country, swooping in claiming that homeowners have defaulted on loans that were modified and they have done nothing to collect on said loans or contact the consumers for many years. It appears to be the second wave of unscrupulous and predatory mortgage lending and collection practices. I suspect that XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX XXXX Bosco Credit XXXX bought the paper for my mortgage from a seller who no longer owned it. I am scheduled to go to court on Tuesday to determine the rent I will pay for my home. I need help ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
A XXXX  prepaid card account was opened in my name without my permission or authorization. The physical card was delivered by XXXX on XX/XX/21. I called XXXX on XX/XX/21 at approximately XXXX EST, and spoke with representative named " XXXX ''. I informed XXXX that I did not open a XXXX account and that the card was likely an attempt at fraud and identity theft. I asked XXXX to ensure the account was not activated and to investigate the facts and circumstances of how the account was opened. XXXX provided a case number ( XXXX ) and advised me to call back in 24 to 48 hours for more information. 

I called XXXX on XX/XX/21 at approximately XXXX EST and spoke with a representative named " XXXX ''. She advised me that the facts and circumstances around the opening of this account were " in review '' by their " back office '' and could not provide any additional information. She suggested I call back in 24 to 48 hours.

I need to understand how this account was opened and what information was used to determine if I am the potential victim of an identity theft attempt or other fraud. 

XXXX is unable to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I was a customer of Bank of America. I closed this account in 2012. I went into the Branch in XXXX XXXX XXXX  and closed my acct. a bill was coming through and I couldnt stop it so I left {$50.00} in the acct and the Bank Representative would final the close Monday. I signed everything. 
Well I also moved to XXXX. 
I dont have the acct number now because I haven't used this acct since 2012. 
So time went on and years went on and I opened another acct with another bank. No problems. 
I went to use a bank check from the new bank and the store said I had issues with a diff acct. I was suprised. I never wrote a bad check. 
I then after years got a email saying my statement was ready ... This was probably 3 years later. They said I owed almost {$700.00} because of maintenance fees and maybe overdraft fees I dont know. I never over drafted. A BoA rep also thought it was strange they kept charging me fees for years on a inactive account which to my knowledge was closed. 
I do not feel responsible for these fees and now they tell me they cant close the acct. 
I actually had {$50.00} positive balance. The bill never went through even though it was pending. 
They never sent me anything that they were gon na start maintenance fees and I never thought the acct was still open. 

Now Ive called many times and spoke to a few different people and they said they would look into it and help and get back to me and I never hear from them. The emails stopped so I thought maybe they fixed it ... I just got a new email my acct is ready to view ... I called and I get the run around. I go from one dept to another ... No help. 

I told them I dont even care to get the {$50.00} back but I dont owe these maitenence fees on a inactive supposedly closed acct. Not my fault..Bank Error I cant afford this. This isnt fair. No one will help or fix this. Its been years and It has embarrassed me with writing checks I have called many times over the last few years and they said they would get back to me and never do. 
Please help me resolve this. 
They can not keep charging someone maintenance fees on a inactive/closed acct. And then they didnt stop charging the fees after 90 or 180 days they kept charging for years. 

I do not feel I owe any of these fees. 
Please help. 
Bank of America is no help and wont remove the fees.

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 2017-09-15
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:
I filed a complaint on XX/XX/XXXX against National Credit Systems for trying to collect on a debt that I do not owe. The collection company is alleging that I owe a debt that they are collecting on. I have disputed it several times but they keep verifying it. I requested debt validation and they sent me a statement. A statement is not debt validation. I requested a signed contract or legal document with my signature stating that I agree to pay their company.
When they responded to my previous dispute, they stated that the property manager emailed them and said that I was an applicant and that I placed a stop payment on the checks that I allegedly paid with. I believe that information is false. Their response also " respectfully requests the XXXX XXXX sends them additional information so that they can do further research ''. I know no one by that name and believe that their response was a blanket response to their complaints.
On XX/XX/XXXX at XXXX XXXX, I went to the said property and spoke with XXXX. She searched their system and could not find a XXXX XXXX as an applicant or a resident. Her number is XXXX and fax # XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company is listing old and inaccurate information. there has been no credit report sent to me since I submitted a dispute in the past few months. it has been past 30 days without any actual updates.

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 2019-12-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE SOME INACCURATE INFORMATION SHOWING ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XXXX THE FOLLOWING ADDRESSES ARE NOT MINE NEVER LIVED AT THESE ADDRESSES PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
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:
My name is XXXX XXXX XXXX I was the victime of identity theft and wells fargo denied my claim i reported it immediately and did everything they asked me to my account was used by someone else i did not give anyone permission or access to my account but i was missing {$5000.00} i want to file this suit immediately to get my money back you can reach me at 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 2019-08-29
Company: Velocity Portfolio Group
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I knew nothing until I received a summons, suing me and my supposed spouse, " XXXX XXXX '' ( I am not married ) for " breach of contract '' in the amount of {$10000.00} by an attorney, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, il. XXXX on behalf of plaintiff, Velocity Investments , LLC XXXX I have never heard of any of these people. The only time I owed that much to a credit card was when I was first terminated from my job for being XXXX which was 2005. Those debts were long written off of my credit report. 

Can anybody Sue me for any length of time?? 

Thank you

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 2018-04-15
Company: Chrysalis Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Thursday - XX/XX/XXXX -- In response to a direct mail invitation, I contacted XXXX XXXX XXXX about the possibility of securing a loan. I voluntarily gave the Account Executive background information that would have been needed to apply for the loan. 

At the end of the conversation, I implicitly told the Account Executive that I did not want to proceed any further than the phone conversation at that point. Before advancing any further, I wanted to talk to my husband. 

That evening I discovered that a credit inquiry was made on our credit reports. This was done even though I specifically requested no further action. In addition, one of their statements on another website : " New Day is required to reach out to the spouse, as well, in order to confirm their intent to be part of the application. '' At no time did they reach out to my husband, yet they did pull his credit report. 

I immediately contacted the Account Executive and he said I had given them approval to pull a credit report. I firmly told him that my request to hold everything until further notice at the end of our conversation was proof that he should not have proceeded any further with our application process. 

He also wrote back a sarcastic email ( almost bullying ) that : " Hopefully you will be able to address your current $ xx, xxx of credit card debt on your own and avoid another short sale situation. '' This was unnecessary harassment. My application was withdrawn and his manager called me. 

Friday - XX/XX/XXXX -- I told the same thing to his manager that the process should not have proceeded to a credit report. He insisted that I gave my permission to do so. He also told me that the hard credit inquiry was no big deal, unless we were going for an auto loan. I immediately told him that was exactly what we were planning to do on the following Sunday, which is why I specifically told them to HOLD the application. After a brief conversation, he said I would be contacted by a Compliance Officer. I am still waiting for that to happen. 

Saturday - XX/XX/XXXX -- Sent a Certified Letter to New Day asking them to withdraw the credit inquiries. 

I feel the company should be marked as one that is dangerous to deal with since their Account Executive wrote an email that was high pressure and belittling. In addition, the manager I spoke with tried to trivialize the fact that a hard inquiry was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: IL
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 deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2020-12-13
Company: Experian Information Solutions Inc.
State: UT
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:
I send a dispute XX/XX/XXXX to Experian to do and investigate via letter to investigate an alleged late on the XXXX acct that says that I was late on XX/XX/XXXX. I was never late on this account. The letter asked for them to correct the information. They dis not respond and they are non compliant. By law they are suppose to respond in 30 days and it now XX/XX/XXXX with no response to my investigation. I send out a letter of Non compliance XX/XX/XXXX. I was never late on this account and I want it updated to reflect never late and remove the alleged late payment on XX/XX/XXXX and to reflect a positive never late on this account

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 2017-09-15
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient is reporting one private student loan to the three credit bureaus as a " charge off '' with a balance and an amount past due when it can not report this way. Furthermore, they have attempted to have three different collection agencies collect from me even after repeated written requests to Navient and each agency ( XXXX, XXXX, and XXXX ) for debt validation. None of the companies have provided debt validation or accurate reporting of supposed debt and yet Navient continues to attempt collection and report the debt. I am requesting a full deletion of this account from all three credit bureaus for the aforementioned reasons. I am requesting that they cease any and all communications or attempts at collecting a debt that has not been properly validated or reported.
Furthermore, there are two other private student loans that they report as joint with XXXX XXXX. They are reporting these inaccurately and have also failed to provide debt validation or accurate reporting of supposed debt. I am requesting that they cease any and all communications or attempts at collecting these debts that have not been properly validated or reported. I am requesting a full deletion of both of these accounts from all three credit bureaus for the aforementioned reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received credit fraud alerts from 2 paid subscriptions. I called equifax, ran a credit report and found the following 4 unauthorized, fraudulent hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the FCRA, I'd like these 4 fraudulent hard inquiries removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Professional Finance Company, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 usc privacy 1681 602 state i have a right to privacy. Also 15 usc 1681 604 it also state a consumer reporting agenay can not furnish a account without my written statement .professional finan XXXX

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 non-monetary relief
Consumer complaint received 2019-08-29
Company: F.H. Cann & Associates, Inc.
State: MO
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:
XX/XX/XXXX @ XXXX, I contacted F H Cann & Associates to make arrangements to pay my student loans. The representative who answered the call stated, I couldn't make arrangements to pay my student loans because I had made arrangements in the past with the past servicer. He then asked if I could pay XXXX to pay my loans off. I informed the gentleman that I didn't have XXXX. The gentleman said we'll I didn't qualify for any other program, I could only do the program 1 time. My only options were to pay over XXXX a month or settle for XXXX. He stated his computer shut down and he could no longer assist me. I hung up and called again at XXXX, spoke to another representative he stated again I didn't qualify for any programs and I can only do the program once and he could settle for XXXX and close the account. I asked could I apply for financial assistance and originally he said I couldn't. He then stated that he'll mail the form to me. I then called back at XXXX to request a deferment till I recieve the forms and they are processed and the representative said they couldn't give me a deferment. I called XX/XX/XXXX because I never received the financial forms I requested and asked for a deferment the representative said she sees where the forms were mailed out but still refused to give me the deferment.

Company response to consumer: Closed with explanation