BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-27
Company: Credit Management Control, Inc.
State: VA
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:
I disputed the same accounts before. The result was to remove the negative information from my files, and yes it got removed. However, it opens the same debt amount under another name, making my credit score to go down. Im working very hard to have with my credit report and I do not appreciate for this company to make look bad when I working hard to have my record in good standing. 
Please help, these collection companies play with peoples life by doing/reporting whatever they want without knowing the consequences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-03-14
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, I made a purchased with a merchant XXXX The initial amount was for {$150.00} on XX/XX/XXXX up to a year and was withdrawn up to {$2100.00}. Due to Covid money had to be refunded for purchased trips ( cruise/week certificate ). I was told that I would loose my certificates if I requested a refund for the cruise first. I was alright with that, but they gave me a hard time to where I had to get the credit card company involved. Also, prior to that they canceled my insurance for that trip without telling me, charged me for another one that cost more, then closed the account I am reporting telling me that they are no longer part of XXXXXXXX XXXX. I explained to them that I paid for a service that I have not been able to use and it's good u til XXXX. The service consist of getting hotel rooms, rental cars etc. I had to argue them down to get my account back up and running around XXXX or XXXX of XXXX. After I received my payment back from trips and my insurance for the trips middle of XX/XX/XXXX, they had to disable my account because it doesn't allow me to reset my password. Now Navy Federal Credit Union telling me that it's been too long and they can't assist me. I didn't know they were going to take the service away from me. I had it this long haven't used it because of the pandemic and they closed my account for retaliation. I don't have money to give anyone and don't get the service. I paid for a service and have been denied usage. I feel like the both the bank and merchant are the same and make me not want to trust the XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: AMERICAN EXPRESS COMPANY
State: KS
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:
XXXX, XXXX is a corporation. It is an incorporated entity designed to limit the liability of its owners ( called shareholders ). As one of the owners, I am not personally liable for the debts of the corporation. 

XXXX, XXXX was issued a XXXX XXXX XXXX credit card by American Express with account number XXXX XXXX XXXX. American Express National Bank did not make me aware that I would be personally liable for XXXX, XXXX business credit cards debt of {$37000.00} on XX/XX/XXXX at time of its online application website. 

Now, I am XXXX-years old, and have not able to work since my stage XXXX XXXX  XXXX XXXXXXXX in XX/XX/XXXX. 

I was XXXX from XX/XX/XXXX through XX/XX/XXXX, went through XXXX to remove the XXXX. Thereafter, went through XXXX of XXXX cycles, each started with 4-hours XXXX at XXXX center and continued 48-hours XXXX at home from XXXX, XXXX through XXXX, XXXX. 

I had another XXXX  and XXXX on XX/XX/XXXX. Dr. instructed me not doing laundry and hire housekeeper doing house cleaning for next 21-days. 

I have, XXXX XXXX, post-XXXX symptom of XXXX XXXX. I also get tired easily in need of lying down from time to time because of XXXX XXXX. In addition to my XXXX on my knees and on my hands. 

On or about XX/XX/XXXX, American Express retained XXXX XXXX XXXX, XXXX. contacted me to collect the business credit card debt. I called its attorney XXXX XXXX XXXX. It said American Express did not inform it that the debt was a business credit card debt, and it did not contact me anymore. 

I contacted American Express, it said it will report the debt as disputed debt to credit bureaus as my personal credit account. 

On or about XXXX XXXX, XXXX, American express retained XXXX XXXX , XXXX to collect the business credit debt. 

A staff of XXXX XXXX XXXX XXXX called my daughters personal phone number, called my ex-son-in-laws personal phone number to collect the business credit debt. In addition to multiple phone calls to my personal phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
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: Their investigation did not fix an error on your report

Complaint:
I was trying to get a loan to buy a house and when I checked my credit report I noticed a lot of discrepancies and blemishes that might jeopardize my character. It is also a violation of 15 USC 1681g disclosures to consumers.

15 USC 1681 ( a ) ( 4 )

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 2023-03-06
Company: National Credit Adjusters, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
This loan is 9 years old. The money from this loan was taken from my account 8 years ago and this creditor is still harassing me to pay it contacting me pretending to be law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions 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:
There are three collections reporting on my credit file for over many years with. The debt is being bought and resold under other companies, after the investigated under the previous companies and deleted. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and Experian all allowing this to repeat after each bureau has repeatedly removed these collections I have never owed.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a bank with Wells Fargo and was having unfair amounts taken out

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 2022-03-14
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I currently bank with Chase Bank. On XX/XX/XXXX I was notified through my Chase Mobile app that my checking account was overdrawn 5,000 dollars. I contacted Chase customer service to find out why. I was informed by customer service that a check that was written to me i deposited to my chase account through my chase Mobile app on XX/XX/XXXX was cashed a second time by someone else on XX/XX/XXXX. I then go inside the Chase Bank and was able to speak to a branch manager by the name of XXXX XXXX. I explained to him that the second check was fraud and that the check has to have been stolen from me. He informed me that there was nothing he could do. The only information he gave me was that the check was cashed at a XXXX Bank. I filed an police report on this incident and nothing was done due to me not have any information about who cashed the check the second time on the XXXX of XXXX. I'm having a very hard time fingers out who committed fraud on my account. I tried contacting the person who wrote the check to me, He then contacted his bank XXXX XXXX Bank to find out if they could get any information about who cashed the check the second time and it was unsuccessful. I will like to file an complaint against all 3 banks. Chase Bank, XXXX XXXX Bank and XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is claiming that I owe them {$1200.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
EXPERIAN HAS FAILED TO REMOCE THIS XXXX  ACCOUNT EVEN SHOWING PROOF ITS PAID FOR IN FULL AND SHOULD BE REMOVE IM GOING TO FILE A LAWSUIT. I SENT THEM A COPY OF THE LETTER JUST LIKE I SENT IT TO THE OTHER COMPANIES THAT REPORT DATA AND THEY FAIL TO REMOVE IT

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 2023-01-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In early XXXX, Chase Bank closed four accounts that I had for many years without notifying me. I was humiliated when in line to pay at a store, and was then asked to call my bank. Thats when I found out. It has been almost two months now, and I still have not received the remaining funds from one of the accounts they closed, in the amount of {$950.00}. I have tried over thirty times to contact the bank and escalate the call, to no avail. This is causing me great distress and frustration on a daily basis, and I need the funds. The branch can not help me because corporate is in control of this situation. Nobody at Chase will help me. They mailed out the funds once and they were returned ( so they say ), and were supposed to reissue another check, but have not. They also will not send it with tracking info ( via overnight mail ) as I requested. Seems silly to use regular mail with funds over a certain amount. 

Note - the account number I provide here is the main business account, as I no longer have access to see the other business account to which this claim is being made. Chase can locate it under the main business account, but it was for the other one. I only memorized the account number of the one provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Innovis
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: Account status incorrect

Complaint:
My XXXX  home equity loan was refinanced by XXXX XXXX. XXXX XXXX  sent XXXX Home Equity a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX finally had to reissue the check and send it again to XXXX. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by XXXX. However, XXXX reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo denied a loan modification stating that I did not qualify even though I sent in a expense sheet showing proof of my income and expenses. 

I was also working with a company called XXXX XXXX to try and get a loan modification. I sent in all required documents. I was involved in a car accident and have excessive medical bills because of the accident.

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 2023-03-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was originated with XXXX XXXX on XX/XX/XXXX. The servicing was sod to PennyMac. In XXXX I checked my escrow after receiving my tax statement and made them aware that I had changed to 4 % tax status. At the end of XXXX I received my refund. I received a letter from PennyMac stating I had no insurance on my home and it would be forced by The lender if I did not prove coverage. I called my Insurance agent and we started the process. On XX/XX/XXXX I was notified by my agent that the insurance had to be paid today or coverage would be declined again. I spoke to 4 different people about this and finally XXXX was helpful and called the Insurance company on a 3 way and helped me handle it. 

The complaint is that because when PennyMac took over servicing they did not contact the Insurance company and change the Mortgage E Clause and this caused the insurance to be declined. I have heard this from several people/friends. One of which PennyMac forced insurance and it was because XXXX XXXX sold her loan to PennyMac. I am concerned that this is a pattern. I checked the internet and it is the responsibility of the new servicer ( PennyMac ) to notify the Homeowners insurance company and change the Mortgage E clause. 

I am in the Mortgage industry so I understand where the problem lies. I am concerned with other borrowers that do not know the process having increased premiums/monthly mortgage payments that they can not afford. It took me 1.5 hours to correct this. What about the borrowers that can not take time from work to handle this? 

I appreciate your time and I hope that this will not affect anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
SURPRISE OVERDRAFT FEES, WRONGFUL FEES AND LARGE MODIFICATION FEES. GOT MY LOAN WAS SUPPOSE TO BE 30 YEAR LOAN AND SOMEHOW WELLS FARGO BOUGHT MY LOAN AND TACKED ON 2 EXTRA YEARS! SO NOW ITS 32 YEARS : (

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 2023-03-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a modification due to a COVID-19 forbearance that I was on for 18 months 2 years ago.. I live in New York. I was told once I came off of forbearance that I would not have to fill out a modification package and that I can get a modification without filling out an application and they asked me what terms that I wanted the excess {$19000.00} from the forbearance that was not paid to be put at the back of the loan then they did the mortgage modification and they told me I had to pay it upfront one lump sum, {$19000.00} which I did not have. so back-and-forth back-and-forth make a long story short they told me to resubmit a modification without putting Covid on it and maybe they would look at it to process it did not happen. I called XXXX they looked over my paperwork resubmitted the modification stated that I am more than able to pay the mortgage modification they work the numbers, their numbers are not adding up. No one will talk. All they do is deny the paperwork was sent in by a third-party XXXX and they still did not consider it. I do not want to sell my house I want to stay in my house I want to start paying my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Huntington Bank Calls My Phone XXXX times or more daily. I repeatedly tell them this is not the phone number for XXXX despite that they call again. XXXX may have used this number for a reference I do not know but they refuse to delete my phone number. They refuse to stop harassing my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My XXXXXXXX XXXX XXXX loan was refinanced by XXXX XXXX. XXXX XXXX sent XXXXXXXX XXXX XXXX a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX  finally had to reissue the check and send it again to XXXX. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by XXXX. However, XXXX reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I am challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX ( Original creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation