BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: TRUSTMARK CORPORATION
State: MS
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 XXXX, I overdrafted an account, XXXX, with Trustmark National Bank. The ovwrdrafted amount was aprox XXXX dollars. Truatmark aprox. One year later relayed the debt to lawyer, XXXX XXXX. I was sued and the judge awarded in Trustmark National Bank 's favor. XXXX attempted to seize funds from a new account I opened at XXXX XXXX XXXX. XXXX XXXX  did Not authorize the transaction, so the XXXX account was in deficit for days, and then the transaction was revoked and my account went back to normal. Trustmark Bank 's lawyer, XXXX XXXX, still had not received payment. I told her, XXXX, to stop calling my phone number, she was very rude. 
Fast forward from XXXX to XXXX, I check my credit report on XX/XX/XXXX, and Truatmark National Bank has posted a credit inquiry that i DID NOT authorize. I called Trustmark 's 1800 number I was then directed to a XXXX XXXX. I contacted her, leaving voice mail until I received a call back on, XX/XX/XXXX. XXXX XXXX ( XXXX ) asked for my personal info, and after that she directed me to a, XXXX XXXX within Trustmark 's XXXX. XXXX XXXX told me on XX/XX/XXXX that I needed to call XXXX XXXX, in reference to my past due debt. 
XXXX stated that Trustmark can do credit inquiries any time as a stipulation of my debt. I was also told by XXXX that the only way to remove this inquiry was to contact XXXX XXXX. I asked XXXX why wasn't this debt charged to a collection agency and listed, as such, in my credit report. I was told again to contact XXXX XXXX, Trustmark 's lawyer Essentially I have a past debt with Trustmark National Bank. I have verbally stated to not be contacted, I have told lawyer not to call my phone. Each time u speak with a creditor it re-initiates the process of debt, Trustmark National Bank is performing unauthorized credit inquiries using my name and information.

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 2021-06-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX and XXXX some one manage to hacked my bank account with wells Fargo online. 
XXXX the amount of XXXX from 3 different business accounts. 

and the money went to online banks also to other bank with one physicals address in UTAH. 
we are very small companies striving to survive, with all that is going on, 35 families depends on this money including myself a single mother with XXXX kids. 

Wells Fargo has denied the claim stating that the log in and passwords use to do this transactions were mines. 
Please I'm asking for your help to solve this problem thank you in advance

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 2018-07-11
Company: Justice Finance Company
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2018 I applied for a loan with Justice Finance, they took my information and stated I would get a call back. XXXX, the manager ; called back stated that he was not going to loan to me because he knew my coworker and she was in bad standing with the company. XXXX then stated my coworkers name and that the co worker did not pay her existing loan so that why he would NOT he give me a loan. XXXX told me that I was guilty by association and chuckled. To my understanding this is a Act of Equal Credit Opportunity, I feel discriminated against. I was NOT Provided with  a notice of DENAIL.I requested a notice of Denial and they will not give me one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: Midwest Recovery Systems
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: Investigation took more than 30 days

Complaint:
Complaint Details This company is on my Credit report saying I ow them {$760.00}, i called the creditor XXXX says i dont owe them anything. I am on unemployment because of the Covid19, im already stressed out, dont want to be harrassed, and want them off my credit report please. Thankyou very much. And if you find i owe, I can settle for {$300.00}. 


This message originally read on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX THEN I CONTACTED THE XXXX XXXX XXXX, THEY DID HEAR ANTHING AND TOLD ME I ALSO CAN CONTACT YOUR OFFICE. 

Dear XXXX XXXX : Thank you for contacting the XXXX  XXXX XXXX.This message is in regards to your complaint submitted on XX/XX/2020 against Midwest Recovery Systems, LLC.. Your complaint was assigned ID XXXX. 

Now that I have filed, what is the next step? 

We have accepted your complaint and have forwarded it to thebusiness for their response. We have asked the business to reply promptly, butsome disputes may take  longer than others to conclude. Please be patient as we work to ensure thatyour concerns are addressed. 
What if I do not agree with the response from thebusiness? 

It is important for both parties to maintain realisticexpectations and respond in a professional, fair and courteous manner. Our goal is for you and the business to beable to work towards an amicable solution. Should this prove difficult, we mayoffer you and the business the opportunity to participate in mediation orbinding arbitration. More informationabout these options can be found at XXXX What happens if a business does not respond? 

The XXXX  will make every effort to obtain a response from thebusiness, but some businesses simply do not ever contact us. The XXXX  is not an enforcement agency. Wecannot compel a business to respond. However, failure to do so may result in anegative impact on their XXXX  rating, which may drive away future customers. TheXXXX   can also refer you to other agencies that may be able to assist you, depending on the specific nature of your complaint. 
Feedback from consumers is vital to XXXX. We appreciate yourwillingness to report this information to us. We look forward to helping youand the business work toward a resolution. Please do not hesitate to contact mewith any additional questions or concerns. 

Sincerely, Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX Fax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX co and XXXX XXXX XXXX broke law andfair debt collections practice they said i was served with court documents but i was not uneven in town i sent demand letter asking for all negative reporting and court documents to be removed they agreed. Credit bureaus have failed to remove from report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Live Well Financial, Inc.
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Reverse Mortgage Livewell Financial XXXX Mi. Money I got advanced for equity was used, owed some county taxes that did n't get paid. They said sent notices about them, and then sent notices for foreclosure, didnt receive. They fore closed XXXX,2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was paid off XX/XX/2020 and when refunding my escrow they deducted an additional PMI payment for XXXX. As per my previous complaint, by their very response the XX/XX/2020 double payment covered XXXX and XXXX. The other PMI payments were as follows : XX/XX/2020 for XXXX, XX/XX/2020 for XXXX and XX/XX/2020 for XXXX. As with previous complaint in addition to this one, I have requested a full audit of my escrow account, they only provided through XXXX and it was in a statement form. Additionally, they answered in an email without documentation. On XX/XX/2020 I requested information on why there was a XXXX PMI disbursement when the loan was paid off in XXXX. Finally, on XX/XX/2020 they responded with a document date XX/XX/2020 which does not account for XXXX whatsoever. I also requested a full accounting of my entire mortgage payments etc and those requests have been ignored. The account was paid in XXXX, they can and should provide a full escrow accounting through the end of the account. Lastly, they now state that PMI is paid in arrears. This was never disclosed and there have been many questions and email which they barely, if at all, answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Each charge off and collection account was paid balances are {$0.00}. In addition the collection agencies sent payment confirmation letters to the bureaus requesting the removal of the collection accounts. It has been over 45 days and the accounts have not been removed from my credit profile nor has the balances been updated.

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 2020-12-15
Company: Credit Plus Inc
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, CREDIT PLUS, on XXXX. XXXX, XXXX, XX/XX/XXXXand on XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage made a mistake servicing my loan, the problems were resolved, Freedom mortgage admitted that they made an error servicing my loan but in the process they negatively marked my credit history. Calling them, sending them the requested documents has not resolved the issue of the credit damage. They have refused to remove the mark on my perfect credit history.This effects my clearance for my government contracts, and also my financial future

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 2019-03-03
Company: CITIBANK, N.A.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CitiCard/CitiBank : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!

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 2018-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 settled debt with 2 credit cards capital one, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX had purchased the debt from lender ( XXXX XXXX XXXX ) so this one is reported to the credit reporting agency. 2 times for the same debt to XXXX and XXXX. I have been in touch with all three Company 's they all said they would contact the agency 's to correct the problem. one of them sent in.some information to fix it, but 4 days later they re reported it to XXXX and XXXX that its a new account in collections. i put a dispute with all 3 of the credit agency 's they have not fix it as will they said we will looking to it and investigate it. It could take up 90 days. it only took 4 days to add it back on. why would they tell me they can help me. they can look at the report and see it was removed than added back on. they are playing with my life. I was going to apply for a home mortgage by now but i'm not able to receive a mortgage now and have to wait until they do some thing to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This occured on XX/XX/2020 in the amount of {$180.00}, I had sent a payment via XXXX  and it went to an inactive hacked account. As soon as I realized the issue I called my bank immediately since the funds were still on hold on XXXX  and hadn't been accepted so there was still time to do a chargeback. But I was told by my bank I would just have to wait until it falls of XXXX and return to my account. I was very frustrated not knowing who to seek because it is hard to get in contact with a XXXX   rep, I finally got in contact with XXXX  and all they told me was they can't access any of their accounts and reverse any transactions. Well today XX/XX/2020 whom ever had access to that account realized there was money pending, denied my refund and took the money that didn't belong to them! Nobody did anything but tell me there was nothing they could do!

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 2020-08-21
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX, while logged into my Visa card account, I looked at my credit report from Experian. I noticed on XX/XX/XXXX, a Hard Inquiry was done from " XXXX  XXXX XXXX XXXX ''. I looked this up, it is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I phoned them to ask what they are doing with my credit report. Spent about 1/2 hr on phone, they took my info and said someone from their fraud dept would get back to me. Three weeks later and still no call. I am a retired person, never had a small business and di not apply for any funds. Someone would have to have my Social Security number to do this. My internet searches show this is where a small business applies for money due to Corona Virus relief. I tried calling them back at XXXX, on XX/XX/XXXX but that was not successful. I did an online complaint at XXXX on XX/XX/XXXX. ID # XXXX. No response received. Tried calling Experion today, XX/XX/XXXX to do a dispute. Their site directed me to file a dispute online. I tried that but when I got to the screen showing the Hard Inquiries, it said I CAN NOT file an online dispute. The XXXX ph number given for help was a joke and still could not speak to someone. Called Consumer protection Bureau today, Also submitted a report to Identity Theft.gov, ref XXXX. I downloaded a mail in Dispute from Experian and will send in. I really dont know if someone has my idenity or not. I show I was breached from XXXX. I have not seen any other issue?

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 2018-05-07
Company: Experian Information Solutions 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:
After sending information to verify myself with my disputes, including their internal file number, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XX/XX/XXXX and XXXX   have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XX/XX/XXXX XX/XX/XXXXunauthorized

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Credit score with Transunion, LLC decreased by 35 points between XXXX, XXXX and XX/XX/XXXX. I have tried on 2 occasions to get an explanation by phone as to why it decreased and how I can improve it. Both times I was unsuccessful as the first person had no explanation and the second person said the only issue that he could see was that my balances were too low on my 2 credit cards. In response, I asked the question if I should in increase my credit card debt and he responded that they do not give advice and that i should speak to credit score advisor which he could or would not provide.

As these Credit companies control our financial destinies as it relates to the interest rates we are charged on loans, the cost of automotive and homeowners insurances and array of additional financial tools, etc, they should be held accountable as to how they handle their algorithyms. There is something very wrong with the way these credit scoring companies ( Trans, XXXX, XXXX ) are allowed to operate.

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 2021-06-02
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25
Company: L.B.Gray LLC A Debt Collection Agency
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I co-signed a rental agreement for my daughter XXXX XXXX in XX/XX/XXXX. She lived at the property the term of the agreement and moved out on XX/XX/XXXX. Landlord had agents present when we vacated the property and no problems were identified. There had been no damage, just normal usage, normal wear and tear.. XXXX called multiple times about getting our deposit back and was told it would be mailed but it never was. 

We then hear nothing until XX/XX/XXXX when a collection agency mails me saying we owe {$1900.00}. I replied on XX/XX/XXXX and again on XX/XX/XXXX ( certified # XXXX ). My letters specifically stated we disputed the debt and they were not to contact us again. I have received harassing phone calls in XXXX and continuing into XX/XX/XXXX. ( The XX/XX/XXXX call was around XXXX. ) These calls are from an automated system giving a call back number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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 don't belong to me. please remove them from all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft HSBC BANK Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXXThis is not mine.

4. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
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:
I am having difficulties trying to get some things resolved on my credit report. There are a few things that the bureaus are not investigating otherwise they would have been resolved. When I pulled up my XXXX XXXX they don't even show payment histories. I can not afford to belong to a monitoring site which takes XXXX a month so I have to relay on this site. What they are reporting are accounts which they indicate last payments in the year XXXX and I know for a fact that I had to stop making payments on accounts back in XXXX due to loss of income. I'm not proud of it but I was struggling to keep a roof over my head and that was something beyond my control. However, I have been penalized for over 7 years now and I am trying to get my life back in order but the information they are reporting isn't correct.

Company response to consumer: Closed with non-monetary relief