BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: Experian Information Solutions Inc.
State: NC
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 am a victim of identity theft, My information has been exposed in a data breech. Under FCRA 605B and 609E I am requesting this information to be permanently removed within 4 business days of receipt of this. I opt out of any company policies as this is to be handled directly under the FCRA LAW. 
XXXX ( {$630.00} ) # XXXX, XXXX XXXX ( {$840.00} ) # XXXXXXXX XXXX  ( {$3600.00} ) # XXXX, XXXX ( {$0.00} ) # XXXX, XXXX XXXX XXXX ( {$230.00} ) # XXXX INQUIRIES : XX/XX/XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2018-11-19
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear sir. 
In XX/XX/2018, I made transfer to my son in US through XXXX XXXX in XXXX XXXX. Until this moment the money not arrive to my son. I keep calling my bank and no answer. Please help me. Amount ( XXXX SAR ). Bank swift code ( XXXX XXXX, reference from my bank ( XXXX ), SWIFT no. from my bank (  XXXX ). please please please help me. my bank is not cooperating. my son need the money for school. I keep calling them but no use. I made a complain in XXXX XX/XX/2018 and they gave me a complaint # ( XXXX ). but no use. no body call or tell me what happen to my money I sent to my son. 

My son information is : Beneficiary Nick Name : XXXX XXXX XXXX XXXX XXXX Beneficiary Swift : XXXX Beneficiary Bank Name : WELLS FARGO BANK NA Beneficiary Branch Name : XXXX XXXX Beneficiary Branch Address : ( FOREIGN EXCHANGE SETTLEMENTS ) Beneficiary Branch Country : United States of America Beneficiary Account : XXXX Beneficiary Currency : US Dollar Beneficiary Name : XXXX XXXX XXXX XXXX XXXX Beneficiary Creation Date : XX/XX/2018 Beneficiary Type : International Beneficiary Phone Number : XXXX Beneficiary Status : Active Beneficiary relationship : Relatives / Friends Beneficiary Description : My Son Beneficiary Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX zip XXXX NE my information name : XXXX XXXX XXXX XXXX contact : XXXX e-mail 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 2019-01-11
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for an advance in my employment. When i received the information, my name appeared with a name I have never used. And the use of my name was incomplete on this portion of the report. I have a good idea who is behind this problem. I would like for this information to be considered for fraud. Please contact me for more information at XXXX. 
Just want this expunged so I can proceed with my life, and advance in my current employment. The report was run on XX/XX/2018 Thank you for your time in this matter 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 non-monetary relief
Consumer complaint received 2017-11-16
Company: Experian Information Solutions Inc.
State: MD
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 tried on several occasions to rectify this issue with XXXX.  They are reporting 2 accounts on my credit report as being 120 days past due in 2014. When I contacted them they admitted that they knew the accounts were not past due but due to paperwork and processing times my accounts will be reported as such. This is illegal and fraudulent and I am extremely unhappy about it. I have several other loans with XXXX and none of them have ever been late or delinquent so I am not sure why they are giving me these issues. I want them to report my account accurately by removing these fraudulent late payments immediately. I will not give up until I receive justice. I work really hard to keep my credit clear and this issue is so upsetting.

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 2018-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called my parents house number on a Sunday on XX/XX/18. I don't even live at this house anymore. Their phone number wasnt even listed on my XXXX XXXX account ( which is where this account originated from ). They called this house about once a day. They call from different numbers. They have more than 20 phone numbers under their company name and they dont even call my cell phone anymore which is the proper number that they should be calling. They called me 3 times on my cell number and that was it. The other times, they try to call my parents house number that I dont even live in anymore. They even have my proper house address that they've sent mail to before. I do not want them to send mail or contact this XXXX number ever again. I even just made a payment with them last week too online. Their website even says " dont feel like talking to us? Settle your debt by paying online ''. Okay, so I did that and I'm still getting phone calls only 3 days after I just paid them some money and they called a WRONG NUMBER on a SUNDAY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: AZ
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 2020-09-25
Company: Affiliated Management Services
State: MO
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:
Affiliated Management Services ( AMS ) posted two collection accounts to my XXXX credit report. One was for XXXX  XXXX {$61.00}, the other was for XXXX XXXX Specialists {$76.00}. First, the {$76.00} the reported was incorrect and under FCRA Section 607 I'm entititled to the maximum accuracy. I only found out about these by pulling my credit report. XXXX failed to issue me notice pursuant to 15 U.S. Code 1692g. On a RECORDED phone call, XXXX agreed to PAY FOR DELETE the {$61.00} with MAWD Pathology even though I had no idea what the debt was or even had it validated. I didn't accept this debt as mine but since it was a low amount I paid it anyway. For the {$76.00} charge with XXXX XXXX XXXX, I sent them a letter revoking any authorization which allowed them to contact a third-party regarding my personal health information ( PHI ). The lettter also stated that I demanded they instruct AMS to DELETE the collection and the check the cashed clearly stated in comments " by cashing you agree to terms of letter dated X '' This was followed up by a call from XXXX in their billing department confirming everything. I also do not have proof a XXXX is on file between XXXX and AMS or XXXX and AMS. I sent XXXX, management at XXXX an email on XX/XX/20 asking for details and he confirmed that they " tried to call me '' before sending to collections but no notice in compliance with 15 U.S. Code 1692g was sent. He did not confirm which number or address they were using. These medical practices and debt collection companies have caused me severe emotional and financial harm by reporting erroneous and inaccurate information and " verifying '' the status with the credit reporting bureaus. They have violated Federal and State statutes in my opinion, as well as XXXX, HIPAA, FACT, XXXX laws. These are predatory practices, as I never received any bills or notices for either of these and the original companies received reimbursement from my insurance for at least 80 % of services. While sending billing information to a third party is a permitted business purpose, it should follow the minmum necessary standard and unfortunately in these cases I don't believe this standard was followed. A XXXX  complaint has also been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert from XXXX about a credit inquiry and simultaneously received an email allegedly from Bank of America to verify my email addressthere was a link to click to verify but I did not click on it because I do not have an account with B of A. There was an XXXX number to call which I did. The recorded message ONLY wanted my account number. I took a screen shot of the email if you need it. 
This whole thing seemed fishy to me so I XXXX  the customer service number for B of A and called them. They verified that someone did in fact open an account with them TODAY with a credit limit of {$10000.00}. They closed the account and flagged 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 non-monetary relief
Consumer complaint received 2021-10-19
Company: JPMORGAN CHASE & CO.
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:
RE : XXXX Chase Card Services replied to my complaint referenced above and I have contacted XXXX and furnished a police report. XXXX has agreed to refund the fraudulent charges Chase Card Services supposedly investigated. Some charges were refunded by Chase while others were not leading me confused when I thought my account was closed with a XXXX balance. 

What will Chase do once charges are refunded back to account? Please explain the process once refund is received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
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: Information belongs to someone else

Complaint:
To Whom It May Concern, The reason for my dispute is XXXX. XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX. XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809, 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX. XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX   XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX  XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Premier Student Loan Center
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I received a call from Premier Student Loan Center for a forgiveness program with Dep of Education. I  think this is scam .I want to stop and report this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2017-11-18
Company: EQUIFAX, INC.
State: MI
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:
On or about XX/XX/XXXX, an open collection appeared on only my Equifax credit report. The collection is allegedly for a medical bill of {$270.00} that I got charged on XX/XX/XXXX from XXXX XXXX XXXX. On XX/XX/XXXX, I was XXXX to XXXX. I am an XXXX XXXX XXXX XXXX. My healthcare is free. There is no possible way that I incurred this debt. I made a complaint with Equifax. They investigated it and said that is was a legitimate debt and kept it on my credit report. I never incurred this debt. It is not possible. This erroneous report will cost me money because it has dropped my credit score over 50 points from my XXXX credit score, which does not have this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: NAVY FEDERAL CREDIT UNION
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
NAME OF MORTGAGE LENDER : NAVY FEDERAL CREDIT UNION CONTACT : XXXX XXXX, Resolution Processing Officer ( XXXX ) XXXX Ext.XXXX  XXXX, Loan Officer/Loan Package Processor ( XXXX ) XXXX ear Sir/Madam : I am an XXXX XXXX Veteran. I have applied in XX/XX/2021 to refinance my VA XXXX XXXX  loan with tNFCU. My loan was approved and scheduled for closing today, XXXX XX/XX/2021. The Escrow is being handled by XXXX XXXX XXXX XXXX in Texas. My property is located in XXXX XXXX XXXX, Utah. 

In spite of repeated requests for my lender, NFCU to send me copies of my Closing Documents, I was denied of my request.I was advised in writing that Loan Closing documents are not sent to Member-Borrower. 

On Monday however, ( XXXX XX/XX/2021 ), I received an email from First Am Escrow Asst. an email with 3 separate attachments consisting of Closing Documents. One attachment has approximately 142 pages of documents. On each page marked DO NOT SIGN FOR REVIEW ONLY. I am unable to read most of the documents because of the markings that covered words and numbers. 

By law, mortgage Consumers must receive the Closing Disclosure no later than three ( 3 ) business days before consummation of their loan. The forms use clear language and design to make it easier for consumers to locate key information, such as Terms of the Loan, Detailed Fees, Interest Rate, costs to close the loan, etc. The Deed of Trust is approximately a 15-page documents. It is so difficult for me to read the fine prints with markings on each page that read DO NOT SIGN FOR REVIEW ONLY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16
Company: Midwest Recovery Systems
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX ALOTTED ME A LOAN IN XXXX, I THOUGHT I PAIA IN FULL THE BALANCE! 

XXXX XXXX SOLD THE DEBT TO MIDWEST RECOVERY SYSTEM IN XX/XX/XXXX AFTER SOL EXPIRED IN ILLINOIS. 

ALSO WENT ON MY CREDIT REPORT W/O VALIDATION AND CALLED MY DAD 11 TIMES OVER 45 DAYS.. 

THE COLLECTOR VIOLATED FCRA, FDCPA AND TCPA ALONG WTH COLLECTING ON A ZOMBIE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: CL Holdings LLC
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:
JEFFERSON CAPITAL SYSTEMS , LLC is falsely requesting that I owe them {$130.00} and has added a derogatory collections account on my credit reports. I don't know who they are and do not owe them a single dollar. I tried reaching the company but they are not willing to help and remove off the inaccurate information from my credit report. this is damaging hurting my credit score and ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX I have been a costumer of Capital One Credit cards since XXXX and have been in good standing for the entirety of this period. I paid off the remaining balance of debt in full online last month ( XX/XX/XXXX ). This month ( XX/XX/XXXX ) I received additional interest fees of that previous balance which came to the amount of, {$11.00}. 

I called and spoke to 4 separate employees on XX/XX/XXXX in which 2 of them were Senior Account Supervisors, XXXX # XXXX and XXXX # XXXX. I asked that they remove the {$11.00} interest fee as a courtesy. This was denied. They advised me that I am not " eligible '' for this because I would have had to make 2 full balance account payments consecutively. I asked how this could be the case, how could they have offered customers payment deferments without paying for interest due to COVID. I was advised that they did offer this in the beginning, but they are no longer offering this now, so they could not help me. When I asked about speaking with anyone else, above them, they both advised that their position is the highest rank and that there was no one else that could help me. I asked XXXX, the last supervisor I talked to, to place a complaint. He said he made a note of the complaint. I asked if I would receive some sort of confirmation, letter in mail, or follow up. He stated, " No. '' So, Capital One also has a policy according to XXXX that complaints are collected for better assistance but you as a customer will never hear about whether your complaint was reviewed and our even filed! How is this even a way of running a company that is customer based!? 

As a longstanding customer since XXXX I am appalled that the one time I ask for a courtesy of a fee to be waived at the mere dollar amount of {$11.00} after paying off my debt in full could not be granted. Not to mention the unprofessional attitude of the last Supervisor, XXXX. He spoke to me as if I were incompetent and in a condescending tone. I will no longer utilize this card and do not plan to ever be a customer of Capital One again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-26
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:
I have sent in multiple dispute and fraud reports to Equifax and the collections agency. I have yet to receive any documents from Equifax or the agency furnishing the results of the dispute. They have not sent back anything paperwork/documents verifying that this is my account. They only close my dispute and say they verified that it is my account without any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I SUBMITTED ALL INFORMATION REQUIRED TO RECEIVE A LOAN ESTIMATE ON XX/XX/21 TO XXXX XXXX XXXX XXXX XXXX ) AND AS OF XX/XX/21 I HAVE NOT RECEIVED MY LOAN ESTIMATE. I BELIEVE I AM BEING DISCRIMINATED AGAINST DUE TO THE LOW PRICE OF THE HOME I CAN AFFORD. I ASKED A SUPERVISOR THAT I WORK WITH ANOTHER LOAN OFFICER BUT I WAS DENIED.

Company response to consumer: Closed with explanation