BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-12
Company: MONEY SOURCE, INC., THE
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:
The Money Source mortgage company purchased my loan during the 1st quarter of 2018. Between them and the old mortgage company, I was repeatedly contacted about not having homeowners insurance throughout 2018. I've had the same homeowners insurance from my previous home to the new home, during purchase of the new home and supplied to the title company, and that I currently hold today. I myself as well as my insurance agent kept providing proof for every other request assuming the next request was in passing of data filing and was already in the mail. 
Near XXXX XXXX payment The Money Source ignored all our proof of insurance without reason and applied forced insurance. The Money Source rejected all methods of payment except by mail. They took my payment and never applied it to my account. The Money Source tried to force me to purchase their homeowners insurance. After serval months of fighting all while we continued to make our payments The Money Source not only admitted their error but also refunded over charges. After they admitted their error they reported me to the credit bureaus of my failure to pay on time. I asked them to remove it because I proved my prior case and they refuse. This is an illegal report per the fair credit report. I was wrongfully charged, over charged, and illegally reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XXXX 2017 I mailed a check via XXXX. The check was lost in the mail. I went online to PNC Bank and canceled the check. After I canceled the check a " stop payment fee '' for {$33.00} appeared on my account XXXX XXXX, 2017. Prior to canceling the check I was not notified or warned that I would be charged this fee. I had canceled a check a couple months before over the phone and was not charged a fee. I was under the impression that I would n't be charged a fee for canceling a check online. I contacted the PNC Bank branch in XXXX, OH more than 5 times to speak to the branch manager and have the fee removed. I was continually assured it would be taken care of, yet it never was. I have since given up trying to deal with the branch directly as every time I call they tell me the same story about how he 's " working on it '' and needs to contact someone above him at another branch. Given that PNC has failed to resolve the issue for over 8 months, I now must turn to the CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Wells Fargo Banks Has not sent me a Reason why I couldn't open an Bank Account with them. They sent me a Letter stating that they ran my Credit which is weird because I know that there is no law Stating that you have to have a Social Security number in order to open a bank Account I have checked my XXXX  report and there is nothing on it to keep me from opening up a Bank 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 2021-05-04
Company: AXOS FINANCIAL, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I scheduled a single payment thru the Axos Bank portal to pay my mortgage payment of {$2200.00}. The next day I got 5 emails stating that my payment was scheduled. Feeling that this was odd I logged in again and saw that the site had schedule 5 different payments. I called them, waited on hold for over 30 mins, scheduled a callback, called back again an finally spoke to a person who told me I had two options : 1. Wait for the charges to clear and then they'll refund them.

2. Call my bank and stop payment.

I asked to speak to a manager. They told me they could get someone to call me back in 24-48 hours. I've called XXXX  ( my bank ) and put a stop payment in and was charged for doing so. I'm asking for compensation for all charges related to their website error. They don't seem to be bothered at the financial or time implication this has caused my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: WV
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: EQUIFAX, INC.
State: TX
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:
In 2017 my wallet was stolen. It contained my drivers license, social security card, credit cards and other information. I have contacted the companies, filed a police report, and contacted all of the credit reporting agencies. I placed an extended fraud alert. The other 2 agencies removed the fraudulent inquiries. Equifax removed some but not all of the fraudulent inquiries. I have sent the required information to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Continued phone calls about missed payments before the due date and letters being sent to only one of my co-signers about missing payment for {$67.00}. My co-signer receives this letter almost monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Monarch Recovery Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, I contacted XXXX XXXX, Manager, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, PA, XXXX via email at XXXX. I informed her I was ready to settle and pay the {$190.00} this Friday, XX/XX/2018 but my credit report will need to mention " Paid '' as oppose to " Settle ''. She told me she couldn't do that and XXXX XXXX needed to make this decision. I asked her to forward my request to XXXX XXXX but she refused. I contacted the collections department at XXXX XXXX over the phone and the representative told me that the collection agency needed to do enter the " PAID '' on my credit report. I attempted on multiple occasions to talk to a manager but no help from XXXX XXXX XXXX XXXX. nor XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/XXXX, I made a transfer of {$1000.00} through Online Banking using my Chase account. Chase uses XXXX to transfer funds. On the day of the transfer, the recipient, who uses telephone number XXXX XXXX XXXX and is also a Chase customer, received a text message regarding the funds. This transfer had been successfully processed in the past to the same person. The next day the intended recipient advised me that the money was not in his account. The funds should have been immediately in the account since the transfer was already on file. After a few days of nonreceipt of funds, I initiated a claim with Chase and was provided with a provisional credit. On XXXX XXXX, my Chase account, to my surprise, was showing as overdrawn. Chase had debited the {$1000.00} and sent me a letter indicating that they had completed the research for the transaction reported on XX/XX/2019 and that the claim is now closed. That same day, I went to a Chase branch ( XXXX XXXX XXXX., XXXX XXXX, FL XXXX ) and was advised that there was nothing they could do for me since the transaction was completed through XXXX. The staff at the branch was not helpful at all. As a matter of fact, the Branch Manager kept looking at me as if I was lying. You don't know how frustrated I felt at the moment, not knowing what to do. No one was providing solutions nor suggestions. It seemed like everyone was so careless. I spent the entire night trying to contact someone higher than a representative at XXXX but they told me they couldnt assist me. I ask them to connect me to their Claims Department. They indicated to me that they didnt have one. The only thing that I know is that the funds were sent to an account holder at XXXX who has the same number as the intended recipient at Chase and no one seems to know how that happened. The intended recipient has not changed his cellular number and in the past, the same transaction was completed successfully. I need someone to assist me and/or guide me in the right directions and what actions, if any, I need to take. It appears to me that Chase nor XXXX are taking any responsibility on this matter, in accordance with the terms and conditions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-27
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I sent out debt validation letters to EQUIFAX, XXXX, XXXX XXXX and XXXX requesting validation on a reported bankruptcy on my credit report. I received a follow up letter stating the bankruptcy was verified, in return I followed up with a second letter requesting documents/proof used to validate the bankruptcy. The credit bureaus never responded to my second letter. However, I have submitted proof that they have violated the FAIR CREDIT REPORT ACT. Equifax, XXXX and XXXX   uses XXXX XXXX to obtain information pertaining to public records, but the Bankruptcy Courts do not provide information to resort reporting agencies and my XXXX XXXX file has been frozen since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has post XXXX collection accounts to my credit report and I have not received any written notice or correspondence, which violents my right and timeframe allowed to dispute validity of the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: NY
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:
Although receiving a result to resolve the dispute based on a previous complaint, the credit reporting bureaus have not updated my credit report at all in a timely manner. The XXXX XXXX account for the amount of {$960.00} was a result of identity theft. Both police and FTC XXXX were filed accordingly over a month ago. Police reports XXXX and XXXX and FTC reports number 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 2021-09-10
Company: EQUIFAX, INC.
State: PA
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've been repeatedly disputing this account with XXXX and Equifax, and I do not believe they have conducted a proper investigation into this account. I have also disputed this account directly with the collection company as well. It is my understanding that the FCRA states that an account that is in dispute can not be reported. It is also my understanding that the credit bureaus have 35 days to conduct a reasonable investigation, and I have waited that time period out several times, without anymore than a verification of the account. They have never told me how they verified it, why they did, or any of the information that they collected during their investigations. I am entitled to information. I am entitled to a reasonable investigation. I am entitled to these things within a timely manner! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verification and they refuse to speak just saying that the account is mine and that I must pay it, I have been disputing this account for over a year, and Experian only says that the XXXX XXXX XXXXn says the account is correct, without asking or verifying if the account is correct, XXXX XXXX XXXX must provide correct account verification to Experian and the other credit bureaus, and only report false information and the Experian only accepts what they say, unverified, I have had an excellent payment history in the last 6 years, and XXXX XXXX XXXX XXXX is damaging my credit with false information, Experian is part of the game of XXXX XXXX XXXX they just believe what collection agency says, Experian asked me verified the account like not mine, but there is no way i can proof sometime is no mine.

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 2020-10-11
Company: EQUIFAX, 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 paid {$4000.00} to pay off in full a XXXX XXXX credit card debt with XXXX XXXX XXXX. Anytime I pay off a huge derogatory account like this my credit usually jumps up 30 points or more but this one only went up three points and I want this to be reevaluated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone must have gotten a hold of my card and cloned it. then from the span of XXXX to mid to late XXXX were using this clone to make transactions. I was sick in bed at home with XXXX but as it persisted and XXXX became more known they approached it as that and I was housebound and barely functional. I then got better and came too and started to do my taxes and when I did I noticed that I was taken for close to XXXX dollars by someone ordering things, meals and such to a home I don't even reside in a town I don't live and a state I am not near especially while in bed. My claims are not being taken serious and I am getting terrible advice on how t proceed. I am dealing with chase and they don't care about me at all. 

I have to claims in well one was closed today despite e asking for the research evidence and them not providing it The claims are : # XXXX # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-30
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I XXXX in a Title 1 school for a period of time in excess of 5 years. According to the XXXX Loan Forgiveness program, I was eligible to have up to {$17000.00} of my student loans forgiven due to this work experience. I was eventually ( it took a tremendous amount of time ) approved for the forgiveness, only to have my loans transferred to a new company before the forgiveness was applied. The forgiveness was never applied to my loans and the new company has refused to honor the previous approval. Also, due to my financial status I have had to keep my loans in forbearance, accruing more and more interest charges for amounts I likely will never be able to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: MID-ISLAND MORTGAGE CORP.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
i had trouble with getting a mortgage broker in new york state to comply with the transfer of my FHA case # to my new choice of a FHA XXXX XXXX XXXX XXXX. 

I XXXX XXXX would like to cancel my loan with Mid Island Mortgage. I would like the FHA case # XXXX assigned to my property transferred to XXXX XXXX Mortgage ( ID # XXXX ) Please advise once this transfer has been made. 
Thank you XXXX XXXX, XXXX & XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DP OF EDUC XXXX {$12000.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$200.00}

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 2019-04-12
Company: Experian Information Solutions Inc.
State: CT
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 applied for a credit card from XXXX XXXX on XX/XX/2019, Reference number XXXX. 
I received a letter dated XX/XX/2019 from XXXX XXXX XXXX stating that my application has been denied for reasons such as no having enough credit references, etc. 
They provide a phone number that I can get a free report. I call the number but after entering my information it says I do not have a recent denial of credit. 
I have an excellent credit and my credit score is about as high as it can be. This is not the first time I am applying for XXXX XXXX credit card and be denied while having excellent credit. 

I called the XXXX XXXX XXXX located at the address of this letter : XXXX XXXX XXXX XXXX, XXXX, NC XXXX but their system does not allow me to talk to a human. Also I called the credit agency Experian at XXXX and they do not give me any option to report this issue. 
I need help. 

Thanks

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 2021-05-24
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection agency name Convergent outsourcing Inc. supposedly a credit card was opened at the first premier bank card which I have also contacted and fax them. This account was never opened in the first place theyre saying that it was open XX/XX/2018 this is the first bill weve ever received. The amount was {$450.00} and now Old {$750.00}.

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 2018-09-07
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted the credit bureau 's on XX/XX/2021 and XX/XX/2021 in regards to some accounts either placed on my account in error or as a result of identity theft it is XX/XX/2021 and the accounts continue to report on my credit report. I went to the police department and advised that I may be a victim of identity theft but the officer stated that I should write the creditor and request additional information in regards to the account however I have not received any response from the credit bureau or the the furnishers. I submitted an identity theft affidavit, identification, and proof of address with no response and the bureau 's have failed to respond so I sent a follow up letter on XX/XX/2021 in which I still haven't received a response. I have since spoken to an attorney who states if I hire them they feel confident that they can obtain the deletion and compensation for damages.

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