BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXXXXXX XXXX I noticed money missing from my checking account. I notified Wells Fargo that over {$5000.00} was fraudulently taken using my debit card. Today received a letter stating they could not do anything about it. Submitted a fraud claim with well Fargo XXXX, on XX/XX/XXXX Police report on XX/XX/ with the XXXX Police XXXX. Called Wells Fargo to XX/XX/ to be told the claim is closed.

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 2020-11-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
So a man named XXXX XXXX opened a Chase credit card in XXXX. The card company is reporting it as opened in XXXX which is incorrect and this man put me as a co signer to this card without my knowledge. In XXXX i recieved a letter from Chase telling me that I owed them {$7200.00}. I contacted Chase and told them it was identity theft and after almost a year later I was told that it was my account. I disputed it again and was told the same thing several months later, but was told that I needed to file a police report. I did that and was able to fax and email it to them roughly a month ago. I confirmed that it was recieved and assigned to an investigator. I callled a second time last week to get and update and was told they didn't have the investigators information to conect me to them so they took my number and they would email them my information and tell tell them that I needed to speak with them. I have not received any calls from them and that account has not been removed from my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: V and H Portfolio
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Vance and Huffman LLC has been harassing me and trying to contact me for a collection that is not mine. Its for {$1500.00} and its from the XXXX XXXX which when I looked it up is located in Texas and I live in XXXX XXXX. Ive been dealing with identify theft and credit card fraud from my ex girlfriend XXXX XXXX XXXX and I am sure she did this. The company even somehow got ahold of my dads number ( which is very private ) and asked for my whereabouts and he said it was very threatening. Ive called them to tell them its fraud and XXXX XXXX is the worst and sketchiest salesman.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Bridgecrest Acceptance Corporation
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out a Bridgecrest auto loan XX/XX/XXXX and paid it off in full XX/XX/XXXX. After XX/XX/XXXX, I entered an agreement with Bridgecrest that the phone rep agreed to due to Covid. It was a hard time for everyone and Bridgecrest agreed to follow the CARES Act Impacts Credit Reporting which states that they will not report late payments going forward during the COVID emergency on my account. Now I entered this agreement with the account as current. This agreement was to continue through the pandemic which actually just ended. I never let the car go to crazy past due and always paid but they charged me insane fees along with reporting my car late XXXX times during this period. XXXX 30 days late, XXXX 60 days late, and XXXX 90 days late. Bridgecrest broke their COVID Agreement and I believe violated the above mentioned law and now I am paying for it on my credit. Not only is the closed account current status showing " late 30 days '' but it has those XXXX late payments on it. I am struggling to get back on track because this is holding down my credit score. Since I believe Bridgecrest violated the COVID rules and promises to me I am requesting that either you remove the late payments and also current the current status or you delete the account from all three credit bureaus. I hope this escalation can handle this situation so there has to be no further action taken because I am not satisfied with how I have been treated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Kornerstone Credit,  LLC.
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 is missing that should be on the report

Complaint:
Yes I paid off a lease in the amount of {$3000.00} on XX/XX/22 from Kornerstone credit. It hasnt showed up on my credit report yet.I 've been contacting them since XXXX of XXXX, they haven't resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Was not notified of investigation status or results

Complaint:
This account is reported inaccurately across the bureaus. The payment history does not conform with all the reporting bureaus and the date of last activity as well. I do not want to see this in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have paid my lender for an appraisal and the value came back at {$520000.00} and i have paid down my loan to below 75 % LTV. I have not been late on my mortgage for at least 24 months. I have requested multiple times that my Lender remove PMI since my LTV is 74.85 % now but they are not removing it. They are saying based on the original purchase price my LTV is higher than 80 %. 

My Loan Amount : {$380000.00} My Appraised Value : {$520000.00} I have included a copy of the appraisal as ordered and provided by the Lender and can verifying a property value of {$520000.00}. The Lenders website is also showing a property value of {$520000.00}. 

Please help as the Lender keeps making excuses and not removing the PMI.

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 2023-11-29
Company: Braviant Holdings, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX I contacted, and asked them to take action to get this COLLECTION removed from their records and to erase any record of the collection with all credit reporting agencies if they could not provide Documentation that I had to pay them. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done since it has not been done. Ive received documentation from this company with a letter from account whose name is NOT XXXX XXXX XXXX. They sent me a letter with a company name sun up financial, llc balance credit. XXXX with a signature that is NOT MINE. How are you allow to falsely report something to my credit when I have no legal contract with you. This document Alone with only a signature is not enough to defame my name. I what this account removed and not associated with me. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST PAYMENT : EQUIFAX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX XXXX XXXX XXXX XXXX OPEN XXXX : XX/XX/XXXX XXXX OPEN XXXX : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX OPEN XXXX : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX : XXXX OPEN XXXX : XX/XX/XXXX XXXX OPEN XXXX : XX/XX/XXXX EQUIFAX OPEN DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX : XX/XX/XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX EQIFAX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX EQIFAX DATE OPEN : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX I have already sent letters to the credit bureaus asking them to verify the debt on my report. They have sent back stating that everything is verified. My credit report is still showing inaccurate information. I took a closer look to see that XXXX things were still incorrect. I have pulled my reports and see numerous inaccurate things. As well as saying different dates, and numbers on each credit report. This violates XXXX XXXX. XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My home was permitted by the mortgage servicer to enter forbearance in 2020 because of the public health crisis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
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: Account information incorrect

Complaint:
My only collection account has been deleted and a debt was paid off and my credit score deceased by 9 points instead of increasing. I am working to increase my score, and Experian is the only credit bureau that is decreasing my score and will not explain why.

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 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX and XXXX XXXX for {$660.00} Credit Collection I Sent letters requested the credit bureaus Transunion, XXXX, XXXX as well as the creditor to provide me the documentation of the proof of verification of investigation that they was suppose to did that they was able to determine account was in fact mine. I have not business with company and unaware of the debt. I also reached out the creditor as well and no response from them or the credit bureaus. And requested the account to be removed from my report if not able to verify it's still reporting on my report negative, and no response from bureaus

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 2018-05-23
Company: The Schreiber Law Firm, PLLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The XXXX XXXX XXXX is the company in question. I had been receiving calls from a XXXX number asking to collect a debt for weeks. In the call in prompts you to dial 9 to be connected with a representative.Every time I pressed 9, the call was never answered. I would attempt to call the number directly and they never answered either. Finally on Tuesday, XX/XX/18, when they called again I pressed 9 and after several rings someone answered. The person who answer asked me for a case number. I informed him that his company was calling me. He interrupted me and said you need to listen to the instructions on the call. He was rude and very short with me but soon after told me that they were going to subpoena me if I didn't pay the debt owed and levy a judgement on me. I informed him that I have perfect credit and don't have any outstanding balances. He said that is not what he has in the system and if I want avoid them coming after me, I better pay the debt. He did not explain where the debt originated from and only antagonized me to pay up.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account number XXXX ARS ACCOUNt RESOLUTION is reporting false information on my credit report this debt does not belong to this identity theft I did not do any business with XXXX XXXX XXXX XXXX please remove this account else I wouldve to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank Of America once again STOLE {$500.00} from my account. I deposited a XXXX XXXX Money order in my account and Bank Of America accepted the deposit but then debited my account. They just say refer to Maker, I contacted XXXX XXXX but they say it is a Money order and was paid and they can not reissue the money order. This is not the first time it happened with Bank of America and unfortunately the only way these crooks refund the money the steal from us is by filing this complaint. Their toll free number is part of their fraud while you hold for long time and then they say they can't do anything. 
Attached is sufficient information to confirm that Bank of America Stole this money and as always they will delay the answer for a while the send a computerized answer and then refund the stolen money. I believe this criminal practice should be investigated as Bank of America has doe it to me before and probably there are more victims of these 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 2019-08-13
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have first and second mortgages with a credit union taken out in XXXX and XXXX respectively. 
I filed a Chapter XXXX bankruptcy in XXXX that was converted to a Chapter XXXX in XXXX. I also had a car loan and 2 installment loans with the same company. Upon converting to Chapter XXXX, I reaffirmed the car loan and the installment loans. These loans have subsequently been paid in full. Payment history was given to the credit bureaus each month. 
Virginia bankruptcy law does not allow the reaffirmation of mortgage loans, therefore, I was unable to reaffirm those loans. I have paid these loans on time every month, before and after filing the Chapter XXXX. My payment history for the mortgage loans is not being reported to the three credit bureaus. 
I was told that they choose not to report because I am not " truly obligated '' to pay because the loans were discharged. I can continue to make the payments and when the loans are paid in full the deed will be released. 
I get mortgage statements every month, pay the bill via bank transfer, my homeowners insurance and taxes are paid from an escrow account, and I receive documentation for tax purposes at the end of the year. Everything is handled by this credit union except the bureau reports! This is arbitrary and capricious and disparate treatment. I pay my bill on time like other customers who have not found it necessary to file for bankruptcy protection. Why are my payments not reported? 
I was told that I could always refinance with another institution. I currently have a 4 % first mortgage. 
Not having my current mortgage payments reported, has had a detrimental impact on my credit score.  Therefore, refinancing will cost me thousands of dollars and add years to the loan. This is not fair! Why does a non-reaffirmation of a mortgage prevent the reporting of my true and actual payments to the credit bureaus?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Self Financial Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been disputing this account information with Self and XXXX XXXX and XXXX. This account information is completely wrong. It is directly violations my consumer rights. I pulled my credit report with annual credit report and 2 credit bureaus are showing this account as open and one credit bureau is showing closed. I sent this info to Self Inc and they are saying the info is correct. It is also saying my last payment date was XX/XX/2023 for two credit bureaus and XX/XX/2023 on another. For example, I attached my XXXX credit report that I pulled from XXXX XXXX XXXX today. The this closed account is still showing open. It also shows the last payment of {$500.00} was on XX/XX/2023. Please see pages 18 and 19 of this document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Zions Debt Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Zion debt holdings informed me that they purchased an old account from XXXX that was opened by a roommate/tenant of mine back in XXXX. 
I previously spoke with XXXX XXXX  in XXXX  and explained that I had not opened this account for a home alarm system, and was assured that the problem was taken care of. 
Before ever contacting me Zion holdings proceeded to put this on my credit report, ruining my score and causing my credit to be damaged severely. 
I disputed this with the credit bureau, letting them know that this fraudulent debt was not mine and was over 15 yrs old. 
I recently received a text from Ziondebtholdings saying, theyve purchased this account from XXXX and would be willing to settle the balance owed from {$910.00} for {$690.00} if paid by XX/XX/XXXX with full deletion from the credit bureaus.They also included an account # XXXX. 
I was never notified before they reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2023-07-19
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
on XX/XX/XXXX i received a call that stated i needed to provide a copy of my lease, or a utility bill to verify my address. They would not accept the business license, they let me open the account with. So they have frozen the funds. I provided them with the information they required to unlock the funds. they are telling me now today, XX/XX/XXXX, that it will be up to 2 weeks untill my funds, are unlocked. These are business funds, I am unable to work untill this account is unlocked. I have been a customer at the bank for 10 years. I am not a criminal. I provided them with all the information they requested.

Company response to consumer: Closed with explanation